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La Cellera de Ter, Spain
Created in 1998, SALA D’ESPECEJAMENT J SAGUE SL is active in the meat deboning sector. The company, managed by Issac Brusi Estebanell has 12 employees and is based in Gerona.
The company’s main activity is:
The company works with important meat industry actors in the area.
The company wishes to borrow 250 000 € over 48 months to finance the acquisition of new industrial freezers to be installed in their plant of La Cellera de Ter (Girona). This project will be realised next month.
The amount offered on the platform is limited to 122 500€, which is in line with the regulatory limits.
With a turnover of 9 727 643 € in 2017 and a renewed management team, the company has confirmed the turnaround on sales.
The increase of profitability is related to a wider range of products offered. Forecast based on first semester of 2018 performan
The borrower has an correct repayment capacity with a forecast FCCR (Fixed Charge Cover Ratio *) at 1,04 and a good financial structure .
The analysis of the project leads to a credit rating of B and a 6,50% annual interest rate.
Points of vigilence:
*The multiple of FCCR at 1,04 means that the company has a safety margin of 4% 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 (Informa, Asnef). This opinion is only an element of reflection in the decision making of a lender to participate in the financing of a project.