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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.
La Puebla de Alfindén, Spanje
Created in 2007, Loalco S.L., is active in the logistic sector. The company, managed by Santiago Calleja, has 24 employees and is based in Zaragoza.
The company’s main activities are:
The company works with important manufacturers and retail corporations in the area.
The company requests a loan of 75.000 € over 48 months to finance the acquisition of a new vehicle. This project will be realised next month.
The amount offered on the platform is limited to 36.750€, which is in line with the regulatory limits.
With a turnover of 1 586 154 € in 2017 and an experienced team, the company has a good track record combined with a strong operating margin.
In 2016, increase of turnover is related with the opening of the Express Courier office and decrease on margins with the incorporation and training of new employees. In 2017, increase in sales is related with the acquisition of new customers The forecast is based on the performance in 2017
The borrower has an excellent repayment capacity with a forecast FCCR (Fixed Charge Cover Ratio*) at 2,31 and a good financial structure, with a forecast net debt / ebitda ratio of 3 and a net debt / shareholder equity of 63%.
Half of the market value of the owned fixed assets of the company considered as quasy equity.
The analysis of the project leads to a credit rating of B+ and a 5% annual interest rate.
The loan is personally guaranteed by the sole administrator Santiago Calleja Moreno.
*The multiple of FCCR at 2,33 means that the company has a safety margin of 133% 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 (Informa, Asnef). This opinion is only an element of reflection in the decision making of a lender to participate in the financing of a project.
Points of caution: