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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.
Created in 1975, L.A.M. S.p.A. is active in the automotive sector. The company, managed by Giovanna Gozzi, has 42 employees and is based in Spilamberto (Italy).
The company’s main activity is the design and manufacture of roller blinds and trapdoors.
The company works with a diversified client base with more than 200 business to business customers.
The company wishes to borrow 250.000 € over 36 months to finance the R&D costs related to the improvment of the production process and the development of new products. This project will be realised by the end of the year.
This project is not covered by the Italian state guarantee.
The amount offered on the platform is limited to 122 500 €, in line with 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 8 269 000 € in 2017 and an experienced team, the company has a good track record combined with a two-digits operating margin.
Turnover growth has been driven by the recovery of the automotive sector and by the ability of the company to innovate and develop new products for different market segments. The forecast is based on the performance of 2017 and interim 2018.
The borrower has a correct repayment capacity with a forecast FCCR (Fixed Charge Cover Ratio *) at 1,16 and a good financial structure, with a forecast net debt / ebitda ratio of 1,41 and a net debt / shareholder equity of 93%.
The analysis of the project leads to a credit rating of B+ and a 5% annual interest rate.
Points of Vigilence:
*The multiple of FCCR at 1,16 means that the company has a safety margin of 16 % 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.