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Credit Cluster and Professionals



What Refinance for Professionals?

What Refinance for Professionals?

When I am having difficulties repaying my loans, I examine the accounting of my company and I check some “key” positions. Is the cash flow regular? Have monthly payments evolved?? Has my turnover changed? Is my industry affected?

This is a reflection that the head of business addresses quite regularly. Sometimes, consulting dashboards and profitability indicators justifies calling into question the financing plans.

Alleviate the cash flow of the company

Alleviate the cash flow of the company

When I study the financing and depreciation tables related to tax depreciation, I can make the observation that the charges are no longer bearable. Is it a transient or recurring problem at certain times of production, or seasonal events?

At this moment, I can:

  • > either turn to the accounting firm and make me specify the different options to consider
  • > meet the broker who will make me a proposal consistent with my problem. Indeed, strong of all the data that I can provide (mentioned above) the professional loan buyback broker will be able to find the ideal Varendas Tarrant.

The different loans involved in the loan buyback

The different loans involved in the loan buyback

The repurchase of professional loans concerns various forms of credit such as the purchase of artisan credit, merchant, or liberal. The buy-back or credit consolidation operation is an opportunity to recast cash flows in relation to production cycles, but also to update credit rates, which may have changed.

In this transaction, the credit union may propose greater flexibility in the new financing, a restructuring of the current assets, or even better an adjustment of working capital requirements, if that were the problem.

Problems can be private

Problems can be private

The analysis of professional status can be an opportunity to find connections with private wealth. The car purchase, the change of residence, the realization of work in the house for example, interfere can be in the budgets. Sometimes purchases are made with sell-off credits, which are mostly made over periods consistent with the normal amortization of the good. However, the analysis of the balance sheet refers to the ratios of balance, autonomy, independence, indebtedness, etc. which are all important criteria. Variations in working capital requirements weaken the company’s rating.

A reminder, however; the repurchase of credit corresponds to a financing transaction like any other. It is not necessarily excessive indebtedness but often a combination of circumstances that only the entrepreneur apprehends quickly.

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