By David Munro (auth.)
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Additional resources for A Guide to SME Financing
The technology cannot aid the banker in assessing how much to lend—what scenarios (expanded sales) will enable the borrower to repay and the likelihood of these scenarios taking place. Having read of the program’s success, one nevertheless wants to know what the default rate was—in other words, how “success” is defined. For many banks, particularly in the developing world where high volume lending is not possible, a double digit default rate is simply not an option. All new lending protocols should be tested not only in periods of economic growth, but in periods of economic downturn as well.
Com, February 22, 2013. com, February 22, 2013. 1057/9781137373786 5 Streamlining and Templatizing the Credit Analysis Process Abstract: A model credit score card is discussed in detail, followed by an item-by-item discussion of elements in the credit application, analysis, and approval form. Instructions in this chapter are meant to complement instructions embedded in the template itself, which appears as an appendix. The two basic types of SME loan, fixed asset loans and revolving credits, are dealt with in detail.
Staff (whether family members or not) may lack functional titles, and generally do not possess experience outside the firm itself. 1 shows how these reasonable perceptions may be countered or ameliorated and their associated risks mitigated. 1057/9781137373786 All of the risk factors described above Solution Application/analysis form (Analysis of available data and projection); Credit Scoring; account turnover analysis Cash-flow lending; collateral as security and not source of repayment; taking whatever collateral is available Semi-automated application, analysis and approval process; templatedriven solutions; no follow-up visits Credit scoring; credit reports; enterprise track record; initial interview; trained bank staff; Key Man Insurance; short loan tenor Well-trained credit staff A Guide to SME Financing Let’s now look at the proposed solutions one by one.