presented by October France
lent to this project, means…
paid back in total
taxes not includedCreate your account
Warning Lending money to SMEs presents a risk of capital loss and requires your savings to be immobilised.
Information & Communication
Created in 2009, CG Pub Media is active in the advertising display sector. The company, managed by Guillemin Christian, has 6 employees and is based in Venissieux.
The company’s main activity is providing advertising displays in commercial areas
The company works with more than 800 professional clients.
The company requests a loan of 65 000 € over 36 months to finance and refinance acqusitions of advertising displays. This project will be realised this quarter.
As a reminder, the Lendix lending community supported the company in 2017 with 260 000€ to finance tangible and intangible assets from the company Central Park
The amount offered on the platform is limited to 31 850€, which is in line with the regulatory limits.
Like all projects presented to individual lenders on Lendix, it is co-financed with institutional investors, sophisticated investors, and Lendix management, subscribers to the Lendix Fund.
With a turnover of 1 160 000 € in 2018 and an experienced team, the company has a good track record combined with a two-digits operating margin.
Since the first financing in 2017, the variation of profitability is related to the level of remuneration of the manager.
The forecast is based on the performance of last year’s activity
The borrower has a correct repayment capacity with a forecasted FCCR (Fixed Charge Cover Ratio *) at 1,14 and a strong financial structure, with a forecast net debt / ebitda ratio of 1,1 and a net debt / shareholder equity of 184%.
The analysis of the project leads to a credit rating of B and a 6,05% annual interest rate.
Points of caution:
*The multiple of FCCR at 1,14 means that the company has a safety margin of 14% relative to its ability to repay its credit maturities.
The expert opinion is given as an indication on the basis of the elements provided by the project holder and information from our databases (Scores & Decisions, Corporate Banking File). This opinion is only an element of reflection in the decision making of a lender to participate in the financing of a project.
*The multiple of FCCR at 1,2 means that the company has a safety margin of 20 % relative to its ability to repay its credit maturities.
The expert opinion is given as an indication on the basis of the elements provided by the project holder and information from our databases (ModeFinance, Crif, Cerved). This opinion is only an element of reflection in the decision making of a lender to participate in the financing of a project.