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Created in 1992, Filati Biagioli Modesto S.p.A. is active in the Textile sector. The company, managed by Franca Biagioli, has 78 employees and is based in Montale (Italy).
The company’s main activities are:
The company works with textile distributors and well known fashion companies.
The company wishes to borrow 500 000 € over 36 months to finance the renovation of the production plant. This project will be realised by the end of the year.
This project is not covered by the Italian state guarantee.
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.
The amount offered on the platform is limited to 245 000 €, in line with regulatory limits.
As closing date changed , turnover of 2015 represents 18 month of activity
With a turnover of 33 047 000 € in 2017 and an experienced team, the company has a good track record combined with a strong operating margin.
The forecast is based on the performance of 2017.
The borrower has a correct repayment capacity with a forecast FCCR (Fixed Charge Cover Ratio *) at 1,14 and a good financial structure, with a forecast net debt / ebitda ratio of 4,99 and a net debt / shareholder equity of 114%.
The analysis of the project leads to a credit rating of B and a 5,70% annual interest rate.
Point of Vigilence:
*The multiple of FCCR at 1,14 means that the company has a safety margin of 14 % 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.