S.B.S. Consulting - Strategic Business Solutions

BUSINESS INFORMATION - CREDIT REPORTS: WHY REQUIRE THEM?


Companies Profile Evaluation:    according to Basel agreements, for credit requirement to banks and for granting credit of supplying (solvency degree), for evaluating the own trend and economic-financial situation and provide improvements, to establish business relationships, cooperation, partnerships, merger-acquisition, to evaluate competitors, their positioning on the markets and management. It is an invaluable tool for supporting strategic decisions but also the daily ones in an organization.

The service applies to start ups companies, micro-enterprises, medium, big sized companies; it includes collection of official and not official data, the analysis of the latest balance-sheets, indexes and ratios use and analysis to perform a final rating (an evaluation with a suggestion for granting credit of supplying or a guide related to the own credit request to banks)


Credit Risk Analysis (credit line or credit of supplying): this is  an important and efficient tool which allows companies a better management of the own liquidity level and the own resources financing themselves and therefore without asking for finance to banks or limiting its usage. The analysis of the balance-sheet of the company through indexes and ratios is only part of the enterprise evaluation, because many are the details which contribute to outline the whole picture of a company or of an enterprise. Moreover, this is an important tool because allows the enterprises to know better the own business partners, to have better relationships with them and to grant opportunities to both parties and to “benefit” one counterpart about products, services in advance and  get the payment (the other counterpart) not immediately but any way potentially for sure even though later. The company’s evaluation for granting credit is an important tool for companies because it allows “respite” and dynamism. In business relationships a certain acquainted and trust which increase gradually are fundamental for business and for co-working together in peace, by using resources and energy in the own business more peacefully.

The analysis might also be applied to evaluate the own “capability” according to the Basel agreements to get credit by banks, in order to feed up the own enterprise through capital flows and power to invest in the own business. In this case the requiring enterprise is supported in those delicate and important steps about organizational, administrative and technical levels before applying to credit institutes so that the enterprise is better prepared to face with specific consulting meetings at banks by using specific and appropriate tools.

The service is addressed especially to start ups, or new businesses, or to micro-enterprises, to self-employed, to those ones, who facing a(n) (re)organizion phase, need a guide, suggestions or a simple but technical support in (re)setting up the own business.

- Consulting especially concerning the organization, especially addressed to “start-ups” and small sized companies

- Consulting/Support in Business Plans drafts; the service is especially addressed to “start-ups”, micro-enterprises, medium sized companies