A series of articles entitled "Commercial real estate in the context of" Author – Victor A. Hudson. (Present understanding is indispensable, hence the advice to the reader: read the articles in chronological order and clarifies the obscure words in the glossary below article or a dictionary. Myself so I'm doing. SH) Article number 7: "How to start homeland? – The main action, which makes it a real success in selling your facility, "" In principle, there is nothing too … For a man with intelligence … Ray Kurzweil wanted to know more. "- Vera, a secretary, "Office Romance" It turns out that most people do not like to write! No, I am not of those who can not. I'm talking about literacy.
You know why? Interested? Atozh, as they say in the Ukraine. Well, let's see. There is a nasty little trend: the world's population is growing every year and falls in proportion to this (!) the percentage of people for whom the transfer of ideas to paper is a normal and routine business. A parallel to this reduction, there is (among and active working population) reduction in the number of people who have intelligent recruitment agencies and recruiting firms even have a special term – they call that person Performer (Russian pronunciation – performer). Surround the notion that the English word sparingly of the dictionary as a performer.
Very sparse, primitive. The initial value is wider. It's creator, a man who can take personal responsibility for his range of activities to do everything necessary (including the establishment of ideas and ways) and bring it to the end, the planned outcome, without any coercion from the outside.
Briefly – a profitable operating business in the absence of baseline risk, to the extent that business can serve today. 1) profitable – is the profit in the balance sheet (line 470, Form 1). At any rate, but the profit. In one quarter was a loss – well, enough to give the bank a full understanding of the causes and low probability of loss in the future. 2) Action – the presence of "non-zero" reporting for 2 quarters. Banks do not fund ideas and business plans, if it just is not Gazprom or not the solid support. Business has to take place: to have a market, revenues, assets, profits.
For new projects operating business level of own participation should not be below 25%. 3) Business – firstly, no "technicals": a director, an office, employees, customers, suppliers, phone, website, etc. But seriously, the business – it's purpose and quality control to achieve the goals. Requires a written presentation of the business. I recommend to look Questionnaire in the study of e-Lend. Non-financial indicators – are essential in lending to small and medium businesses! 4) Lack of basic risks – no negative credit history, no files (overdue arrears to the budget, workers on wages), the absence of other signs of possible bankruptcy.
5) Today – Banks professional pessimists in the evaluation of plans. Begin the relationship with the size monthly earnings. Consistency in the implementation of the stated objectives and perfect payment discipline will allow for a quarter at times to increase the limits. The most interesting thing that the demands of the bank match your interests. After Bank shares the risk with the business owner and interested in the profitability and sustainability. The exception – the optimization of taxes, which often negatively affects the financial statements, which is the main tool decision by the bank. Source: Financial System Communications e-Lend
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