Business Information or Economics Information - Credit Risk Analysis and Management - S.B.S. Consulting - Strategic Business Solutions. Internationalization - Strategic Marketing -Corporate Competitive Strategy - Marketing and Communication, PR and Digital Marketing - Management Consulting - Credit Risk Evaluation - Business Information - Credit Reports - Outsourcing Services. Integrated Business Solutions for microenterprises and Mediu-Sized Companies

                                                                       

Go to content

Business Information or Economics Information - Credit Risk Analysis and Management

Business Information - Economics Information - Companies' Profiles Evaluation

Company's 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 and the 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):

Credit Risk Analysis: this is an important and an 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 company's balance-sheet
through indexes and ratios is only part of the enterprise evaluation, since 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 companies' profile evaluation for granting credits is an important tool for companies because it allows liquidity and dynamism. In business relationships a certain acquainted and trust which increase gradually are fundamental for business and for co-working together in smoothness, by using resources and energy for the own business more peacefully.

An 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.

This 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)organization phase, need a guide, suggestions or a simple but technical support in (re)setting up the own business.

- Consulting especially concerning organization, especially addressed to " start-ups " and small, medium-sized companies.
- Consulting/Support in Business Plan drafts; the service is especially addressed to " start-ups ", micro-enterprises, medium sized   companies
- Consulting about Internationalization, Development of Commercial Networks, Distribution channels abroad.
- Corporate/Competitive Strategy - Strategic Marketing                                             



STRATEGIC CREDIT RISK ANALYSIS AND MANAGEMENT

In more and more complex market conditions the control of management and credit become levers more and more important and fundamental for enterprises.

Unfortunately, the scientific and correct management of commercial credit is very often little considered, particularly by Micro and Small Enterprise, but also by SMEs; this is for different reasons and also for the lack of possibility to have a department or a manager dedicated to it.

The management of Credit is a complex activity, moreover there is a lack of culture about the activities related to the management, the control, the monitoring of credit or about the credit lines usage. These activities, furthermore, contribute widely to the improvement of cash-flow and to the achievement of positive results.

Big-sized companies and especially those ones having business at high-flow customers, generally, have dedicated Credit Departments, other big-sized companies manage credit activities differently, often sharing them among Finance/Accountancy/Commercial departments.

In a long-term vision for the enterprise and also for the small one, the Credit Risk Management has not to be considered a cost, but in the trade-off the possibility to still survive in the future in international markets more and more highly competitive through the correct logic sequence of organization of processes, activities and management of credit, further to timely communication and actions inside and outside the enterprise.  

The development of a scientific correct approach to the management of credit and in particular to the risk of credit gives the opportunity to lead with efficacy the decisional processes, allowing a competitive advantage to the enterprise and to create profit.

S.B.S. Consulting offers Advice and Support about Credit Risk Analysis and Management, and in the implementation of processes and activities also as Temporary Management.


Back to content