Running a Business From Your HomeAuthor: Alex Weidmann
Businesses and the self know the game with the banks: a loan is required, have been recently introduced such high security demands that would meet the credit needs can be almost of it. At fault are mainly associated with the introduction of the Basel II policy conditions attached to the banks.
Of which is in the lending to deposit demanded by the more equity, the worse the Estimated creditworthiness of their customers. This has meant that have been grown especially in the lending business with the reins and is now considered in more detail before a loan is granted for self-employed.
As an entrepreneur, helps here one thing above all: to improve key financial ratios. Among others, indebtedness, accounts payable for goods and services, the equity ratio and liquidity of the key performance metrics that are used to assess the creditworthiness of the customer.
So if you plan to apply to your bank or other credit for self-employed, then you check in advance, as it is with these figures.
To improve in general, taking into account one alternative financing instruments such as leasing and factoring. From these two results in a reduction in total assets, which had a direct, with a constant equity in a higher equity ratio. A former cash flow from sales to claims by a factor improves liquidity and helps to reduce the wider borrowing needs.
Leasing instead of conventional financing also leads to a condensed balance sheet and a higher equity ratio, since the balance sheet the leased object is not recorded and activated.
Through use of such alternative forms of financing you can on the one hand to reduce your credit needs improvement and second, the figures for a credit rating with a credit application and meet the increasing demand for lending to the self-employed.
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