Registrato: 09/07/19 10:49
|For a startup venture , challenges are galore whether it is building up a team, cracking up that first order or staying afloat till the first round of payments are received. In either of the cases, finance availability for either working capital or capital expenditure needs to be arranged. Post recession, banks and financial institutions have incorporated stringent policies for the loan disbursement.
Banks check borrowers’ credit history on various criterions to ensure that their money is going into safe and well planned proposals. In order to acquire small business loan Wollongong businesses need to be well prepared before they apply for a loan to ensure that they stand full chances of getting an approval.
Small business loan Wollongong credit eligibility and corresponding terms depend on the type of loan and the amount required. Here are the four common things that you must prioritize in your checklist before you start looking out for a loan, irrespective of the amount and the type:
a) Have your personal and business financials ready of the last two years: As the rating of your credit worthiness depends on your timely filing of income tax, corporate tax and various other state-revenue generators. This will go a long way to reflect your transparency and credit worthiness.
b) Clearly spell out business plan indicating profitability: For any business loan, the lenders or the bank need to understand how their funds will be utilized and whether the venture in which the money is being put will be able to sustain itself or not. Banks generally look out for a good business plan with clear indication of the profitability of the business during the loan period.
c) Check your business credit rating: Ensure that credit rating whether personal or business is maintained and does not impose a hitch while sanctioning of a loan. The system of credit rating is well established on the basis of complex statistical model and rating agencies give a comprehensive report indicating all risk factors. Factors considered by credit bureaus include - company size, industry, business model, outstanding balances of open accounts, payment patterns, credit utilization, length of credit history, public records (judgments, liens, bankruptcies) etc. A good credit rating ensures an easy access to funds from the marketplace at times lower than the prime rates.
d) Consistent Payment History: Last but not the least, a good payment history creates a positive reputation in the marketplace, which acts by a word-of-mouth and can go a long way in creating positive vibes during the negotiation while securing a loan. A good payment history would also ensure some attractive benefits.
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Posted by TariqueHafeez on September 26th, 2018
“Wilderness is not a luxury but the necessity of a human spirit”
Most of us get bored with our daily routine and we often feel like quitting our chaos and escape outside somewhere close to the nature of reliving our spirit.