Me and two partners started a company earlier this year. Each of us owns 33.33% of the shares. Right now we are generating enough income to cover our monthly expenses, but we have already signed new clients that will allow us to turn some profit soon. We don't have employees and we have no debts.
The work we do requires us to regularly pay a few thousand dollars to service providers upfront. These costs are transferred to our clients (plus our commission), but in our line of service clients pay 30 to 60 days after billing, so we must be able to withstand a few months without receiving income. We have determined an injection of around $15K would allow us to achieve this.
I (personally) can provide this money from my savings, and to me it sounds like a better alternative than taking a loan from a bank or looking for external investors. My question is: would this be a loan to my company? If so, what parameters can I use to determine a reasonable period and interest rate? Should I be looking at this from another angle?
This is not in the U.S. by the way. The company is registered in Central America.