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UNIVERSIDAD AUTÓNOMA DE NUEVO

LEÓN
FACULTAD DE CONTADURIA PUBLICA Y
ADMINISTRACION

LIC. NEGOCIOS INTERNACIONALES

Subject:
FUENTES DEL FINANCIAMIENTO CAPITAL

PRODUCTO INTEGRADOR DE APRENDIZAJE

Group: 4CI

Name and mat. :

Karen Rocio Ornelas Cruz 1953482

Regina Vega Hennings 1946975
Nubia Ximena Calderón Pérez 1946307
Norma Lizbeth Miranda Hernández 2000698
Victoria Chávez Garza 2016703
Ruben Carrillo Gonzalez 1951192
María Dariela Vélez Flores 1944775

January-June 2023
San Nicolás de los Garza, Nuevo León
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Table of Contents
Assignment overview .............................................................................................................................3
Project Introduction ...............................................................................................................................4
SUBPROJECT 1. LEGAL TERMS .............................................................................................................4
SUBPROJECT 2. BUSES-BANK LOAN ...................................................................................................7
SUBPROJECT 3º: GASOLINE (TRADE CREDIT) .................................................................................8
SUBROJECT 4º: LAND (COLLATERAL) ........................................................................................... 10
SUBPROYCET 5°: DRIVES (PLEDGE ACCOUNTS RECEIVABLE) ................................................. 11
FINANCIAL ASSESSMENT .................................................................................................................... 13
FINAL THOUGHT ................................................................................................................................... 14
Appendix ................................................................................................................................................. 15
REFERENCES .......................................................................................................................................... 16
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Assignment overview

In this paper, we will explain in depth our pia, addressing our business idea called UNI-BUS, we

will briefly explain this business idea as well as our financial needs to ensure the best

performance in our company.

Our objective in this work is to find the best financial source for each of our subprojects needed

to properly develop the UNI-BUS project, evaluating different proposals. In this way, doing our

best to adequately select for each of these subprojects the best financial resource to achieve

their development.

Thanks to the knowledge acquired regarding financial resources, we will be able to evaluate the

best options according to our needs and possibilities.

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Project Introduction

UNI-BUS is a company created by and for students. Our business idea is to improve public

transportation for university students, they will be trucks exclusively for university students and

will have technological improvements and convenient benefits for all of us.

How we have said our goal is to improve public transportation for university students by creating

different bus routes, offering better technology and benefits for all of us when it comes to

transportation to our homes. Our service is based on transporting students to their destinations,

in exclusive buses by and for them, from strategic points of the UANL, where through an app

schedule your trip in advance allowing this way to separate their seats, likewise this app will

facilitate the control of making it exclusively for students of our university. For us our main

objective is to satisfy the needs of our clients, the students, and provide them with the best

quality service. During the development of our company, we realized that we would face

different challenges to start operating, so we decided that our first task as a team would be to

find the best sources of funding to finance each of the subprojects of our project.

To achieve this, we delimited which are the main subprojects for the best development and

fulfillment of our objectives, thanks to this we evaluated the different possible sources of

financing and selected the most convenient for each of our needs.

The subprojects we selected are:

1. Legal Terms

2. Buses

3. Gasoline

4. Land

5. Drivers
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SUBPROJECT 1. LEGAL TERMS

This subproject addresses all the documents and permits that we need in order to get our

business running and how we plan on covering those costs. Because we are a transportation

company, we need several permits and licenses since we will be interacting with and

transporting passengers, people, in this case students. The authorization we will need is for

private transportation since these buses will only be available to UANL’s students; this

authorization gives us a particular private transportation card, a particular private transport

satisfies the transportation necessities derived from the business’ main economic activity, in this

case the UANL’s main economic activity is offering education and students paying for this

service, so the buses will satisfy the need students have of arriving on time to their classes

without extra people in the bus or extra bus stops.

In the transport industry other permissions are needed besides the authorization to transport

people, some of these can be commercial driver’s license, commercial vehicle registration for

fleet vehicles, fuel transportation license, cargo or heavy load permits, and insurance coverage

for drivers, passengers, or goods. In our case, we will need the following licenses and permits:

1. Circulation permit – $311 MXN

2. Type C driver’s licenses – $1700 MXN (10 licenses for 10 drivers we’ll hire)

3. Trademark – $2,457.59 MXN

4. Operations permit – $800 MXN

5. Uniforms - $500 MXN (30, 3 for each bus driver)

These 5 permits, which are the main ones we need just to start operating, sum a total of

$35,568.59 MXN, this without considering extra costs that we don’t know yet, these could be

how much the UANL charges for using their image, brand, mascot, etc., insurance cost for each

bus, how much an engineer or programmer charges for the development of our app, giving it
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maintenance, etc., costs of cleaning and giving maintenance to the buses, among other legal

issues.

We plan on covering this cost with a commercial paper that we’ll sign with the UANL, this is

because we will be providing a service for its students and is a trustworthy partner since we are

studying with them. We will start paying our debt as soon as we start operating and have an

income, and there’ll be 12 installments in the course of a year, each of these installments will be

of $2,964 MXN.
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SUBPROJECT 2. BUSES-BANK LOAN

The buses are the part of the project most expensive and most important, with them we are

going to transport of all students.We do a quotation that we are going to explain: First, to choose

the model of the bus we did a student survey, they choose the bus most comfortable with

qualities better for them benefits.

For the project we will need buses, which we will start with 5 buses, the students decided that it

will be the OF Model Chassis model of the Mercedes-Benz brand.

We will use a credit plan to be able to pay them with the BBVA bank with an Interest Rate of

10%. BBVA offers us a fixed and low I.R., an estimated price of $1,578,049 per bus with a term

of 24 months, which would remain to pay $58,216.62 per month giving an initial payment of

$344,744.58.

PER UNIT PER 5 UNITS

PRICES WITH I.R. OF 10%

INITIAL PAYMENT $344,744.58 $1,723,722.9

COST PER MONTH FOR 24 $58,216.62 $291,083.1

MONTHS

TOTAL PRICE $1,,578,049 $7,890,245

In this subproject we use bank loan because was a very high price that we don't have on hand

so is better to use the bank for pay the buses, the bank allows this because there are a very big

quantities of money and we are UANL so we have good credit for payment in months the buses.
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SUBPROJECT 3º: GASOLINE (TRADE CREDIT)

For our next subproject we want to fund the gasoline. We want to use this subproject to get a

trade credit so we can fund another little subproject..

We needed to review our balance sheet to know if we were in the desirable po to ask the

gasoline company for a trade credit.

After we review our balance sheet we confirmed that we were able to do a trade credit with the

gasoline company because the numbers on our accounts receivable are bigger than the

numbers in our accounts payable, so that put us in a net credit position, which is the necessary

for a company to give another a trade credit position.

Each of our buses will cost $ 5,860 MXN per day. We will pay the gasoline company monthly $

175,800 MXN per bus.

We chose Oxxo Gas to make an agreement for the Gasoline because they have an app called

EOX, where they give our drivers a digital card that they will use to recharge gasoline for the

buses. Our drivers will go to the gasoline station and scan the card to be able to recharge the

gasoline, or give the card to the gasoline station employees and let them do the same process.

Normally, Oxxo Gas asks their companies for a weekly payment, and even sometimes they ask

it before the use of the gasoline, but we showed the deal we wanted, and they accepted. We

asked them for an extension of said date and they agreed for us to pay them every 15th of each

month and also they gave us a payment condition of 30 days after the payment date, but if we

pay them in the first 5 days after the payment date we are receiving a 3% off because of an

early payment.

They agreed to give us the trade credit because we compromised that we were going to get the

money in time to pay them.

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With the money obtained from the trade credit we want to sustain the maintenance of the buses.

We want to send the buses to their service frequently because we need them to be in excellent

conditions, so the students feel secure and safe.

Also, with the trade credit money, we want to sustain personalized uniforms for our drivers.
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SUBROJECT 4º: LAND (COLLATERAL)

We chose a land located in San Nicolás de Los Garza, centro. It is a large piece of land,

measuring one thousand four hundred and eighty square meters. Its price is 4 million pesos.

The credit option that we chose was the collateral financial source. As we saw the collateral

source is an Asset offered as additional collateral, in a loan or bond issue.

● Collateral is an object of value used as security for a loan.

● Collateral reduces the creditor's risk. If the borrower defaults on the loan, the lender can

foreclose the collateral and sell it to recover the loss.

● Mortgages and auto loans are two types of secured loans.

● Other personal assets, such as savings or investment accounts, can be used to secure a

secured personal loan.

That means we will give our buses as collateral in case payments are not made on time or not

made at all.We chose the option of financial collateral to provide security to our creditors, since

we are a startup business, we saw it as unlikely that another means of financing would suit us,

and requesting another loan was not a viable option, that is why we We prefer to request a loan

from the bank for the trucks and basically use our business as collateral, although it is a risk for

us, according to our statistics, we have a good prognosis in favor with this innovative idea.

Description of the land.

On the corner, after blocks from the municipal presidency, is an excellent location, very close to

Av, Universidad, Calle Juarez, and Bernardo Reyes.

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SUBPROYCET 5°: DRIVErS (PLEDGE ACCOUNTS RECEIVABLE)

As a financial source we choose accounts receivable to be able to pay to the drivers, what we

need is to cover these payments every month because the drivers is one of the important things

in this project just as the other ones too. We decided to use the pledge accounts receivable

because the UNIBUs will have enough money to cover these payments and the other one that

the project might have. UNIBUS will have two accounts to get the money. The first one is the

membership, the membership that we will have is one that a UANL will give to the students

obviously with a payment. We decided to create this membership to help the students to make

this method more easy so at the moment when you pay you semester to the UANL you can

decide to buy this membership or not so when you buy the membership you will have access to

all the buses that you want wherever you want only for one semester the next semester you

need to buy this membership again so we did some research about how many students take the

bus in the UANL so the 69% of the students buy the bus so we think that the 10% will buy the

membership and the other ones are going to pay directly the bu, the cost of the membership will

be $500 pesos per 10,000 students who buy this will be 5,000,000 another account receivable

that UNIBUS will have is the bus the people who use it and pay, we decided to have ten drivers

so it will be a job with 2 rounds the morning round and the evening round also every bus will

have a capacity for 41 seats and we divided the hours the STUDENTS hours and the normal

hours in the rush hour only the students will be able to use the bus and in the normal hours

every people will use the bus we make this because no always the students will take the bus in

every hour so to no lose money in the time that is calme every person in the city can use it and

in this way we will not going to lose money, the buses will work to 5:00am to 11:00 pm and one

of the mos important thing about the UNIBUS is to make the students safe in the night when

things are more delicate. About numbers we will have 5 routes, every route will generate $5,528
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per 5 buses will be $27,640 per day and this number per 6 for the six days that will work the bus

is $138,200 and per four weeks $552,800 per month that will be our accounts receivable.
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FINANCIAL ASSESSMENT

In this conclusion I will talk about how we summarize the projects and the way we cover them

after deciding the five subprojects of the our main project we decided to divide then in five of

them , the first one that you saw was the legal terms we decided to do it with the commercial

paper we know that the commercial paper is with trusty partners so UANL is one of them after

concluding that we started with the Buses it was a smart decision to ask a loan to the bank so in

this way we could bought in in our name so the only debt is with the bank, the gas another

important thing that we needed in this project to make the buses alive and functional the

financial term that we used was trade credit because we have 30 days available to pay the bill

also our buses has an autonomy to 6km per liter every bus has a tank of 260lts that means

1560km per tank, The routes that we choose is about 80km per route we are going to do 19

rounds per day that means 1520 km so every day we are going to fill the tank and today the

price of the diesel is 22.54 so every day it will cost $5,860 per bus. The fourth project is the

land we decides to use collateral so if we fail to pay the land we can pay it with a bus the land

will be paid in 2 payments one each six months that means we will have enough time to get the

money and pay them without losing a bus and finally we have the drivers with the pledge

accounts receivable and we contacted a human resources to be more easy and we do not have

to deal with the drivers and their payments and that is UNIBUS your next favorite bus to use
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FINAL THOUGHT

UNIBUS can be a great opportunity for students, today it is very difficult for a student to take

the bus in the best conditions since we are too many people as students and as a city, this

project will benefit all students who travel by bus and that they work long hours in it and not

only that is that many even have to go all the way on their feet. This opportunity will help all of

them to go home safely since in the busiest hours only UANL students are able to use them.

Also, thanks to technology today, it will help us create a membership so that students can obtain

an exclusive card and never have to pay again, just that membership, which will work per

semester and for students it will save money in a very big way.
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Appendix

(Table of the gains per month of UNIBUS of the bus only)

Graphic 1: The drivers payments against other companies

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REFERENCES

LEÓN, C. (2022, JULY 20). EL 67 POR CIENTO DE LOS ESTUDIANTES DE LA UANL USAN

TRANSPORTE PÚBLICO. POSTA MÉXICO. HTTPS://WWW.POSTA.COM.MX/NUEVO-

LEON/EL-67-POR-CIENTO-DE-LOS-ESTUDIANTES-DE-LA-UANL-USAN-TRANSPORTE-

PUBLICO/592503#:~:TEXT=EL%2067%20POR%20CIENTO%20DE%20LOS%20ESTUDIANT

ES%20DE%20LA%20UANL%20USAN%20TRANSPORTE%20P%C3%BABLICO,-

AL%20MENOS%20EL&TEXT=MONTERREY%2C%20NUEVO%20LE%C3%B3N.,A%20SUS%

20CENTROS%20DE%20ESTUDIOS

UANL. (2023, APRIL 28). LA UANL - UNIVERSIDAD AUTÓNOMA DE NUEVO LEÓN.

UNIVERSIDAD AUTÓNOMA DE NUEVO LEÓN. HTTPS://WWW.UANL.MX/UNIVERSIDAD-

AUTONOMADENUEVOLEON/#:~:TEXT=LA%20UNIVERSIDAD%20AUT%C3%B3NOMA%20

DE%20NUEVO%20LE%C3%B3N%20ACTUALMENTE%20OFERTA%20360%20PROGRAMA

S,POR%206%20MIL%20894%20DOCENTES

OXXO GAS | VAMOS JUNTOS POR MÁS. (2023). OXXOGAS.COM.

HTTPS://WWW.OXXOGAS.COM/EOX.PHP

EOX. (2022). WWW.EOX.MX. HTTPS://WWW.EOX.MX/SERVICIOS.HTML