Medium-sized firms are experiencing more difficulties in obtaining external financial resources since larger capital holdings have better access to capital markets and are less reliant on bank credits.
The rating of a bank and thereby generated overall credit rating is a decisive factor in determining credit eligibility and costs.
The systematic preparation for such a rating process is important for negotiating with banks and will certainly influence your financial opportunities in the future.
Prof. Dr. Thomas Obermeier,
Certified Rating Advisor,
Member of the Bundesverband
der Rating Analysten und Rating Advisor
(BdRA) e.V.
• Financial resources
• Financial situation
• Sales
... of the business using the last three annual reports.
At this point we can often already identify initial optimization opportunities in the financial infrastructure, its liquidity and return on investment.
• Market position
• Business strategies
• Internal value creation
• Planning and controlling
• Financial politics
to assess future developments of the business and its credit rating.
By determining this set of qualitative criteria through
a questionnaire, new starting points and potentials for optimization often reveal themselves.
• Analysis of the current economic context and future
development of your business with the help of a
certified rating-software.
• Identification of improvement potentials including
perfecting and implementing concrete measures
• Evaluation of alternative methods of financing
• Optimal negotiation settings
• Improved terms and conditions
• Increase in business value
• Future security
• Basic analysis
Determination and evaluation of all quantitative data (2,0 consulting days).
• Professional Analysis
Additional identifications of qualitative data, evaluation and composition of a measure proposal to identify optimization potentials
(2-4 consulting days)
• Implementation
Support in implementing measures
(consulting days depending on need)