Economy and Business Info

Archive for the ‘Corporate Credit’ Category

The power failures have become one of the greatest threats to productivity and security faced by businesses. According to a report from IBM, computer systems deal with about 120 monthly anomalies in electricity, which include power outages, power surges and power spikes that can lead to data loss, low productivity, degradation of the devices or damage severe equipment.

In today’s corporate environments, a cut in energy not only affects the work of those who remain ‘tied’ to their offices, but also to employees who use collaboration tools for remote working, who can not access the servers of the company through their smart phones or laptops. That, excluding organizations that require electricity to key business functions and customer service, such as banks, hospital and offices for collection.

With this scenario, power protection solutions are a basic need to protect the assets of any organization. “While today’s computers and computer systems are becoming cheaper, information and value that represents access to it has grown exponentially. Therefore, even for an SME, ensure the integrity of the information is determinant and cannot be postponed, “said Hector Martinez, manager of business development for APC business.

The foundation for these solutions are electric power systems (UPS, for its acronym in English), similar devices, but power regulators that integrate internal batteries: When a power outage, automatically deliver emergency electric power, which translates in valuable minutes for employees to terminate their sessions properly (without loss of information) or system administrators to launch electric generators to ensure continuity in the operation.

Even the most advanced UPS include software applications that allow them to turn off computers and save changes to open files automatically, if the electrical damage occurs at a time when staff is not present, as at dawn or weekends.

How lenders decide to give or not to approve your credit application? They don’t have all the information about your company, but they will at least search for three factors. If you know these factors, you will understand how to make a better profile as borrowers. Borrower with better profile is always the one who gets favorable financing rate and flexible term and condition.

The factors are as follows:

Asset to review your company credit worthiness
This is the central measurement of your credit worthiness. The profile of your balance sheet, the level of operating capital you have, the liquidity of your company is the factor they are looking at. Your company’s fix asset is also vital as they might need securities.

Repayment capacity
Lenders will see how your company is able to repay the loan. Your credit history for prompt or default payment will affect their approval decision. The more you are granted credit by other lenders, the more they will see you as trustable party. They will check for your outstanding amount and unused credit to see the potential amount of debt your company will carry. They don’t want to give you credit more than you can handle.

Business Condition and Expertise
If you propose for credit to invest in real estate construction company during the crisis, your lender will absolutely reject you. The type of economic condition is other point to review by lenders. They will put an eye on how long your business has been operated. An established business for more than five years will gain more trust than a new one year established company. The experts in industry may be granted with unsecured business credit line, while a new comer is only given secured credit line.

These three factors are the basic risk management in corporate credit concepts. In summary, lending providers, banks and your potential vendors will collect information about your asset, repayment ability and the economic conditions affecting your business.

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