Denver Used Cars . foro boda . Bank may refuse or grant a loan application, either individual or corporate. poker cash online . Then what is the bank’s consideration? What type of business affect the assessment of the bank?
Any business can get loans from banks, the important thing is there is a good business plan, complete with long-term planning studies, who his target market, and so forth.

Assessment criteria of the banks include five things called 5c:

# Character
Regarding your commitment as a party applying for a loan, how your track record, how your management style (if one man show, family, or partnership).

# Capital
How much of your personal funds out, because it is not possible all the capital came from banks, the capital structure (how the amount of initial paid-up capital and accumulated profits into capital), the ownership composition of capital (capitalists anyone who guarantees investors, and whether investors also take charge of the company), and capital assets, which consist of tangible assets (land, buildings, machinery, stock, etc..) and intangible assets (brand, goodwill, reputation, etc..).

# Capacity
Assessed, among others: how the sales trends (up, down, or stagnant), the cost structure (fixed cost, variable cost), comparative costs and income, debts and bills (larger, smaller, or the equivalent), cash flow projections (surplus or deficit), workers (permanent or contract, how the skills and experience), so the production capacity (the amount of production per day, whether in accordance with the sale).

# Condition
Includes licensing, industry conditions similar ( little risky, medium, or high), business prospects, competitive situation (whether it was the market leader, market follower, niche market, or a single fighter), and this is the most important: what, or unique selling point (if easy to imitate, or difficult to imitate, and to any place).

# Collateral
Is there any guarantee, whether they are tangible (cash, stock, equipment, vehicles, and that nature does not move like land and buildings), intangible (personal guarantee, company guarantee, credit insurance, association / cooperative insurers, etc).