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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