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Credit
1.
Credit, a mission
impossible? www.fincoach.be Slide 1
2.
3.
More uncertainty
4.
More volatility
5.
More regulation
6.
More highly demanding
customers
7.
More (financial) pressureThus:
financial figures tend to be worse/more irregular which makes banks less willing to support www.fincoach.be Slide 2
8.
9.
Improvement of
balance sheet
10.
More important
role for compliance
11.
More efficiency
12.
13.
14.
Banks facing themselves
liquidity problems
15.
(New) credit only
for prime customers
16.
Economic crisis
17.
Makes banks more
cautious and more careful
18.
Procyclical: the credit
policybybanksin itself is sharpeningthe cycle (upward and downward)www.fincoach.be Slide 4
19.
20.
More information on
past, present and future
21.
Stricter criteria, higher
margins, more collateral and guarantees, shortening of loan periods
22.
More equity requiredOverall,
banks are demanding a more professional approachfrom their customers! www.fincoach.be Slide 5
23.
24.
Pay-back capacity, improved
with guarantees
25.
But: banks still
base decisions on the past!
26.
Clear business plan
/strategy
27.
Proof of how
the business can generate margin
28.
Strategy, markets, competition,
swot-analysis,…
29.
Track record“ Failing
to plan is planning to fail” www.fincoach.be Slide 6
30.
31.
They think it’s
the economic crisis
32.
Finance often delegated
to accountants or book-keepers and thus no feeling with banking attitude
33.
SME’s and traditional
financial advisors underestimate the consequences of the new credit policy www.fincoach.be Slide 7
34.
35.
Balance sheet, P/L
not enough management figures
36.
Budgets and forecast
cash planning
37.
Focus on cash
flow operational cash flow
38.
Sensitivity analysis
39.
Cost analysis and
cost control
40.
Objectives!
41.
Follow-up and monitoring
are importantwww.fincoach.be Slide 8
42.
43.
The company is
the ‘instrument’ that generates the cash, but:
44.
Banks want the
company to be in a healthy financial position and try to limit the transfer of cash out of the company
45.
Accountants advising on
optimisation should be well aware of the dangers. www.fincoach.be Slide 9
46.
47.
Don’t use the
maximum of tax possibilities (might bring more harm than benefits)
48.
Don’t mix company
assets with personal assets
49.
Keep things separated,
so no personal guarantees !!www.fincoach.be Slide 10
50.
51.
The book also
gives a complete overview on the tools the governement provides to facilitate and to help the companies in their financing needs
52.
There is a
new role for the financial advisors!
53.
Make sure your
company is financial fit and implement a strategy
54.
Improve your relationship
with banks by using a professional approachwww.fincoach.be Slide 11
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