BANK FINANCING. BANK REFINANCING. HOW TO OBTAIN FINANCING BANK. HOW TO SOLVE BUSINESS FINANCING IN TIMES OF CRISIS.
HOW TO OBTAIN FINANCING BANK. MAKING REFINANCE EXISTING BANK DEBT.
In these times of general crisis and crisis in the banking sector in particular, getting bank financing is a vital element of business strategy. More than ever before bank financing can be much more crucial for many companies to achieve business goals of profit, sales and growth.
Surely a company with problems already have resorted to traditional financing resources: inventory reduction, delay payments, funded providers, adjust the template, make money, etc.. But after that the company may no fixed your problem having to resort to banks.
Not only is it important to properly manage this problem for the company but is also critical to the employer. If improperly handled the issue of liquidity can be ruined because he may lose not only the company but their own personal assets present and future.
Getting bank financing of the banks is very difficult, especially if the company is performing well and the banks have not borrowed money before. However, if a bank has already provided a lot of money to the company, and this is likely to continue with certain guarantees, the bank, if you know how to manage, you can help the company if only to save the company.
In many cases the bank is the main “shareholder” of the company. If the company is sinking investment bank loses its shareholders as shown in the writings of society. The bank was not much consolation that the employer has personally guaranteed and / or their property. This may reassure him a bit and perhaps will serve to pressure the employer, but ultimately knows that collect in this way will be difficult and costly.
Normally the employer, so good and so clever as to create a company and make it grow, so extraordinary as an entrepreneur and business manager, is usually very incompetent to manage the bank financing. It is also very likely to be too inclined to give too many guarantees.
As consultants we have a hard time when employers obtain bank financing. They lament and are content to say that banks do not pay. They note that the only alternative offered by banks is to pay little or renovate something at the expense of putting endorse and guarantees in excess.
But nothing so far from reality. In Arriaga Associates, as consultants, we have made significant financing and refinancing without the owners have had to personally endorse.
Arriaga Associates has used different techniques. Since the preparation of business plans and cash to help branch managers that may arise with the proposed credit risk committees. Occasionally banks has suggested a proposed bankruptcy. Sometimes even what has been presented and removed in time a meeting of creditors (in Arriaga Associates are experts in bankruptcy). Other times we have sought and found many small banks with financing and refinancing that saved the company.
Ultimately, each case is different and the prescription was also different. However, we have achieved the goals frequently.
Very often planted our fees based on the objectives to obtain an appraisal of the potential of the project.
Therefore, if your situation is complicated for liquidity reasons, nothing to lose by contacting us. We are experts in bank financing. We are specialized in bank refinancing.
Jes√ļs Mar√≠a Ruiz de Arriaga
Lawyer, economist and consultant. Associate Director.