The loans capitals are resources put forward by loaners which are usually banks to an individual or a company which has to reimburse and remunerate the sum borrowed irrespective of the evolution of income or exploitation.

Therefore the term loan means money borrowed from the company which supplies it. For the loaner it is a credit, and for the borrower it is a debt. Loans are nowadays ways or possibilities to find modern financing solutions. This aspect is associated with the acquisition of goods, with holding the property right of the borrower according to possible guarantee conditions, which are for example foreclosure ones, according to the nature of the good purchased. The integration in a professional patrimony of a good involves capital depreciation.

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