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... swimming is easy, if You already know how...
Our advice are cost efficient, since we are
experienced and use well tried methods and
models.
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Credit Analysis
With a solid credit analysis in Your pocket, You will maximize the potential for receiving financing on good terms for Your business. All credit facilitators make their own credit analysis, however many will not find the time necessary, to reach positive conclusions. If the bank's client executives estimates credit committee approval to be uncertain, and other, perhaps more straightforward proposals are on the table, You risk being turned down, without case even being put to stand. A professionally performed and transpararent analysis will make work at the bank considerably easier and bring You first in line.
The credit analysis consists of several parts: a proposal regarding estimated borrowing amount needed, loan term conditions and securities.
The analysis will strengthen Your bargaining power and open for negotiating the loan structure. The business is being described regarding ownership, management, company structure, history, business idea, financials and key ratios. The analysis
outcome is conclusions regarding financial projections, strengths, weaknesses, options and threaths, special conerns for the lender and a credit rating. The rating will have substantial impact not the least for interest margins.
The work we perform when helping You with a credit analysis is performed according to standard templates, checklists and financial models. These are Basel2 consistent and is applied by the major banks and rating institutes. Thus our work is cost efficient and credit facilitators will recognize the product as familiar to their own.
The credit analysis is a complex product however.
It is always easiest to handle creditors' demands and concerns in an interactive discussion.
Therefore we always recommend that we are present when the analysis is being communicated. |
