Ratings

SME consulting Untersberg from Oberhausen informed comply with the Basel II guidelines below, must deposit banks for each allocated credit equity and a rating of the credit would end. The Bank rating is a measure of the risk of the loan and influenced its grant or refusal. The SME consultation Unterberg describes what factors you should be aware, to increase the probability of a positive Bank ratings. Relationship management affects conducive a good relationship with your bank Advisor in each case on the lending. You should spend so time and effort in taking care of your banking relationship. Show initiative: submit documents, before they are requested, find the conversation and convince with latest annual accounting documents. Claims pending the management your account compared to sales has a high proportion of outstanding receivables, this adversely affected the Bank rating.

An effective management of your assets has therefore great importance for the Lending. Invoicing should be done consistently and promptly for your services. Shorten the payment terms of your customers as much as possible. Their accounting should be updated with latest! Explain your bank, how to control the payment power of your business partner. The installation of an effective Dunning with short Dunning levels improves the effectiveness of your Receivables Management. Requesting a promptly a collection agency with the recovery, once the third Dunning level is reached. Effective stock-holding an excessive stockpiling binds balance capital and reduce the liquidity and profitability of your company with a negative impact on Bank ratings.

Take therefore appropriate measures to ensure an effective, neither over – nor understated stocks permanently. In case of doubt, you could reduce Overstock sale. Use convenient payment for many suppliers, it is possible to by immediate payment or direct debit accounts receive, reduce your total cost. Opt for the use of this favourable circumstance, however, to bear in mind the impact of immediate payment on the liquidity of the company! Plan your liquidity! The continuous liquidity of your company is absolutely necessary for Bank ratings as well as the success of your business commitment! Monitor your liquidity through regular, at best weekly bills, into which all liabilities! You are experienced in the financial statement you should make a long-term, rolling financial planning. Use long-term loans convert to loans with a short term in the long term, this has a positive effect on the balance sheet liquidity and plant cover. Your bank rating also benefits from complying with this golden rule of balance sheet”. Manage risks and contingency plans set up any entrepreneurial activity brings risks. Natural disasters, litigation, economic Framework conditions, personnel fluctuations, an unexpectedly necessary corporate succession or other factors can negatively affect your company. Of course, these risks are known to the banks. To achieve a good rating of the Bank, you should prepare yourself for any eventuality well documented and provide your detailed contingency plans your bank Advisor. Press contact SME consulting Unterberg contact person: Ursula Unterberg Wegener Klosterhardter str. 25 46119 Oberhausen Tel. + 49 (0) 208 6 25 61 45 mobile + 49 (0) 208 6 25 58 59 E-Mail: Homepage: