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Unfortunately, you cannot lend to this project.
Why? Why? This project* does not fall within the regulatory framework of Lendix IFP, defined by the ordinance of 30 May 2014 (ordinance on participatory financing). It is therefore not offered to individual lenders as part of participatory financing.
According to the Ordinance of 30 May 2014, a project consists of a purchase or a set of purchases of goods or services contributing to the completion of a predefined transaction in terms of purpose, amount and timetable.
Created in 2013, Optimyse is active in the Optical sector. The company, managed by Laurent Sebbagh, has 3 employees and is based in Lyon.
The company’s main activities are:
The company works with the clients of the city.
The company is independent and has a large variety of glasses frame : from high ends to more budget friendly. The shop is new, arranged in a clear and warm style.
The shop is open from monday to friday and sunday.
The company wishes to borrow 50 000 € over 24 months to refinance the renovation of its selling space. This project will be realised next month.
With a turnover of 268 000 € in 2017 and an experienced team, the company has a good track record combined with a two-digits operating margin.
The increase in revenue is driven by the good reputation of the company and a great after care services. The decrease in profitability is explained by the hiring of an employee and important end of year inventory order. The first months of 2018 confirm the increasing revenue. The forecast is based on 2018,
The borrower has a correct repayment capacity with a forecast FCCR (Fixed Charge Cover Ratio *) at 1,3 and an excellent financial structure with a positive cash balance.
The analysis of the project leads to a credit rating of C and a 6% annual interest rate.
Point of caution:
*The multiple of FCCR at 1,3 means that the company has a safety margin of 30% 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 (Scores & Decisions, Corporate Banking File). This opinion is only an element of reflection in the decision making of a lender to participate in the financing of a project.