Enquanto financistas, sempre procurarmos melhorar o retorno de nossos investimentos sem elevar, proporcionalmente, o risco. Não é uma tarefa fácil, pois, via de regra, quanto mais estamos dispostos a ganhar, mais risco devemos correr. Ai que a alavancagem financeira entra em ação.
Alavancagem financeira é o conceito utilizando que, no bom português, significa “fazer mais com menos.” Na prática, é a utilização de outras fontes de capital para complementar o investimento feito pelo empreendedor, notadamente, os empréstimos e financiamentos.
Assim, se um projeto prevê investimento total de $1,000,000.00 e o investidor dispõe de $600,000.00, ele vai “alavancar” o seu capital disponível com o banco. Ou seja, assim como no conceito de “alavanca”, o empreendedor buscará ajuda de bancos para completar o montante, pagando pela parcela que lhe cabe, o juros da operação.
Devido ao custo astronômico do dinheiro no Brasil, muita gente quer ver o diabo na frente mas não toma dinheiro emprestado no banco. Com taxas de juros que supera os 20%, é praticamente impossível pensar em ter o banco como sócio apenas para as coisas boas (lucro/juros), já que se o projeto der errado, ele receberá (muito) antes do que você.
Porém, em economias desenvolvidas como nos Estados Unidos, Europa Ocidental e alguns países asiáticos, é normal ver linhas de financiamento com taxas de juros razoáveis, de apenas um dígito. Nestes casos, como o retorno do projeto é, provavelmente, maior do que o custo do capital, é positiva a utilização de fontes alternativas para o desenvolvimento de projetos.
Voltemos ao nosso exemplo: um projeto com $1 milhão de capital necessário, sendo que o investidor dispõe de $600 mil e precisa levantar $400 no banco. Suponhamos que o lucro deste projeto, sem juros, seja de $200 mil, em 12 meses.
Em uma análise de investimento bem simples, ao se investir $1 milhão, e receber 200 mil de lucro líquido após um ano, temos uma taxa de retorno sobre o capital investido de 20%, considerando que não se utilizou financiamento bancário.
Vamos incorporar o capital de terceiros nesta conta. Suponha que o empreendedor tenha tomado os $400 mil no banco, a uma taxa de 8% ao ano. Neste caso, o custo do dinheiro será de $400k X 8% = $32 mil.
Sendo assim, o lucro que antes era de $200 mil caiu para $168 mil. O apressado diria “não vale a pena, para que pegar dinheiro emprestado e reduzir o lucro.” O financista faria outra conta.
Ao utilizar recursos bancários, o investimento do empreendedor deixa de ser $1 milhão e passa a ser $600 mil. Com isso, o novo lucro, que incorpora o custo do capital, representa um percentual maior em cima daquilo que foi efetivamente utilizado. O Retorno sobre o Capital Investido, agora, não é mais 20%, mas sim 28%. Ou seja, o retorno para o investidor foi 40% mais eficiente utilizando o capital do banco, mesmo pagando juros.
Nesta conta, não consideramos que os outros $400 mil poderiam estar aplicados em um título de renda fixa, que renderia juros; ou em outro projeto, que poderia trazer um resultado ainda maior.
Se você entende os riscos do seu negócio e como mitigá-los, a utilização de capital de terceiros é um excelente instrumento para você melhorar o retorno sobre seus investimentos e dar mais eficiência para seu capital.
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