Ningún negocio puede comenzar sin capital. Pero el capital no solo significa dinero. Incluye otros activos como inversiones, maquinaria, software, marcas y propiedades. Iniciar un negocio por su cuenta puede ser difícil, especialmente financiando su propio capital para su inicio. Las empresas más grandes tienen inversores y accionistas. Cuantos más inversores tengan, más empresas comerciales podrán crear. Las empresas más pequeñas deben confiar en préstamos personales, ahorros o empresas de capital riesgo que requerirán una participación en su negocio a cambio de su inversión. En esta lección aprenderemos vocabulario en inglés relacionado con el capital social y deuda en inglés
Tabla de contenidos
¿Qué es el capital social y deuda en inglés?
| Términos | Traducción | Significado |
| capital | capital | money that is used for investment or starting a business |
| share capital | capital social | money invested in a company in the form of shares rather than bonds or other forms of lending |
| loan capital | capital en préstamo | money that a business borrows from banks and other lending organizations for an agreed period of time and on which it pays interest |
| investment | inversión | the act of putting money or effort in the business to make a profit or achieve a result |
| dividend | dividendo | the profit of a company that is paid to the people who own shares in it |
| shareholder | accionista | a person who owns shares in a company and gets part of the company’s profits and the right to vote on how the company is controlled |
¿Qué es el capital social y deuda en inglés y el capital en préstamo?
| Términos | Traducción | Significado |
| lender | prestador | person or organization that lends money, especially a large institution like a bank |
| borrower | prestatario | a person or organization that borrows something like money from a bank |
| principal | principal | an amount of money that is lent, borrowed or invested apart from any additional money such as interest |
| interest | interés | money that is charged by a bank or other financial organization for borrowing money |
| indebtedness | endeudamiento | the condition of owing money, or the amount of money owed |
Fianza y apalancamiento en inglés
| Términos | Traducción | Significado |
| bond | bono | an official paper given by a company or a company to show that you have lent them money that they will pay back to you at a particular interest rate |
| debenture | obligación | a type of loan, often used by companies to raise money, that is paid back over a long period of time and at a fixed rate of interest |
| collateral | garantía | valuable property owned by someone who wants to borrow money, that they agree will become the property of the company or a person who lends money if the debt is not paid back |
| security | fianza | the property or goods that you promise to give someone if you cannot pay what you owe them |
| leverage | apalancamiento | the amount of loan capital that a company has in relation to its share capital |
| gearing | apalancamiento | another term for leverage |
| highly leveraged | altamente apalancados | also known as ‘highly geared’; used to describe a company that has a large amount of debt compared to its share capital |
| overleveraged | sobreapalancamiento | a situation where a company has borrowed too much money in relation to their ability to pay it back |
Ejercicios sobre Capital social y deuda en inglés
Elige los términos correctos para completar el texto.
I started my restaurant business ten years ago with $10,000 in (1) capital / dividend. We had a small restaurant in city center. My (2) borrowers / shareholders were my family: my parents and younger brothers and sisters who all put up money. They didn’t receive their (3) interests / dividends for the first three years. Now we want to increase our (4) equity / dividend, so we are looking for outside (5) borrowers / lenders.
(6) Lenders / Shareholders have been very helpful in our startup. We were able to obtain a $10,000 (7) loan / share from a financial institution when we started. Now, we have already paid off the (8) principal / dividend together with its (9) interest / shares after five years.
- capital 6. lenders
- shareholders 7. loan
- dividends 8. principal
- equity 9. interest
- lenders
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Ejercicios de Speaking
- Would you like to start a business? What kind of a business?
- How will you make sure that you will get the return on your investment?
- If you wanted to start a business, how would you get or secure your capital?
- In your country, where do most business people get their capital?
- What are the advantages and disadvantages of the different methods of getting or acquiring capital?