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24 months


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Paris, France



Marketing surveys & consulting

Presentation of the company

Created in 2010, Cliveman is active in the consulting sector. The company, managed by Lancien Bruno, has 2 employees and is based in Paris 11. 

The company’s main activities are:

  • Advices in management
  • Information system transformation
  • Advices for public actors

The company works with more than 15 clients per year and a community of 80 external consultants.

Project Description

The company wishes to borrow 50 000 € over 24 months to finance the improvement of the Customer relationship management software. This project will be realised this quarter.

This project is a Flexible Bridge Loan, an amortizable loan with a standard commitment for the first 9 months and the possibility of early repayment at no cost for the remainder of the loan term, even in the event of refinancing by other financial institutions.

The amount offered on the platform is limited to 24 500€, which is in compliance with regulatory limits

Analyst’s Opinion

With a turnover of 433 215 € in 2017 and an experienced team, the company has a good track record combined with a two-digits operating margin.

Over the past three years , profitability increase is linked to higher level of activity with new clients combined with cost reduction strategy . The forecast is based on the performance of the last two exercices

The borrower has a solid repayment capacity with a forecasted FCCR (Fixed Charge Cover Ratio *) at 1,82 and an excellent financial structure with a positive cash balance.

The analysis of the project leads to a credit rating of B and a 5,4% annual interest rate.

Strong points:

  • Good historical performance based on a diversified client base.
  • Excellent repayment ability with a forecasted FCCR of 1,82
  • Longstanding relations with consultants and clients

Points of vigilence:

  • Highly competitive market

*The multiple of FCCR at 1,82 means that the company has a safety margin of 82% 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.