presented by October Spain
lent to this project, means…
paid back in total
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Warning Lending money to SMEs presents a risk of capital loss and requires your savings to be immobilised.
Created in 2003 TROFEOS Y MEDALLAS DEPORTIVAS SL is a company active in the metalwork sector, managed by Jorge Diaz, has 18 employees and is based in Alicante.
The company’s main activity is:
The company works with a diversified client base with more than 9500 clients between private clients and public entities.
The company wishes to borrow 60.000 € over 48 months to finance the acquisition of machinery and import of raw materials to expand its business. This project will be realised next month.
The amount offered on the platform is limited to 29400€, which is in line with the regulatory limits.
With a turnover of 1 237 672 € in 2016 and an experienced team, the company has a good track record combined with a two-digits operating margin.
Over the past years, increase of turnover and profitability is related to the development of the engraving of medals in the sporting events. The forecast is based on the performance during 2017.
The borrower has an excellent repayment capacity with a forecast FCCR (Fixed Charge Cover Ratio *) at 1,57 and a good financial structure with a positive cash balance.
The analysis of the project leads to a credit rating of B and a 6,75% annual interest rate.
Points of vigilence:
*The multiple of FCCR at 1,57 means that the company has a safety margin of 57% 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.