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Waarschuwing Het uitlenen van geld aan het MKB brengt financiële risico’s met zich mee. Door geld uit te lenen aan het MKB staat uw inleg voor langere tijd vast en loopt u het risico op verlies van (een gedeelte van) uw inleg.
Cologno Monzese, Italië
Created in 2008, C.M.C. Rail is active in the metal works sector. The company, managed by Claudio Cinquetti, has 47 employees and is based in Cologno monzese. The historical foundation dates back to 1963.
The company’s main activities are:
The company works with international clients such as prominent train manufacturers or airport service companies.
The company wishes to borrow 400 000 € over 48 months to finance the acquisition of a laser cutting machine. This project will be realized by the end of the year.
This is a Flexible Bridge Loan, which offers the applicant the possibility of paying in advance and without commission after the first 9 months, even in the event of refinancing by other financial institutions.
This project is not covered by the Italian state guarantee.
The amount offered on the platform is limited to 196 000€, which is in line with the regulatory limits.
Like all projects presented to private lenders on Lendix, it is co-financed with institutional investors, sophisticated investors and the management of Lendix, subscribers to the Lendix Fund.
With a turnover of 3 140 000 € in 2017 and an experienced team, the company has a good track record combined with a two-digits operating margin.
Increase of revenues is also related to the gradual merge of the activity of 2 other small companies related to the same shareholders
The borrower has a correct repayment capacity with a forecast FCCR (Fixed Charge Cover Ratio *) at 1,18 and a good financial structure, with a forecast net debt / ebitda ratio of 0,44 and a net debt / shareholder equity of 21%.
Taking also into consideration the shareholder loan injected in 2017 on which a blockage agreement will be signed.
The analysis of the project leads to a credit rating of B and a 6,25% annual interest rate.
Points of Caution:
*The multiple of FCCR at 1,18 means that the company has a safety margin of 18 % 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 (ModeFinance, Crif, Cerved). This opinion is only an element of reflection in the decision making of a lender to participate in the financing of a project.