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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 1997, Tomasi Auto S.r.l. is active in the Automotive sector. The company, managed by Franco Tomasi, has 68 employees and is based in Guidizzolo.
The company’s main activity is the sales of new vehicles with zero kilometer or semi-new cars.
The company works with private customers and brokers mainly in the North of Italy, being one of the main indipendent car dealer with about 11 000 vehicles sold in a year.
The company requests a loan of 500 000 € over 24 months to finance start-up costs of a new warehouse. This project will be realised by the end of the year.
This project is a Flexible Bridge Loan, an amortizable loan with a standard commitment for the first 9 months and the possibility of early repayment at no cost for the remainder of the loan term, 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 245 000€, which is in line with the regulatory limits.
Like all projects presented to private lenders on October, it is co-financed with institutional investors, sophisticated investors and the management of October, subscribers to the October Fund.
With a turnover of 91 990 873 € in 2017 and an experienced team, the company has a good track record combined with an acceptable operating margin.
The forecast is based on the performance of 2017 taking into account forecast of 2018
The borrower has a good repayment capacity with a forecast FCCR (Fixed Charge Cover Ratio *) at 1,36 and a good financial structure, with a forecast net debt / ebitda ratio of 0,06 and a net debt / shareholder equity of 3%.
The analysis of the project leads to a credit rating of B+ and a 4,5% annual interest rate.
*The multiple of FCCR at 1,36 means that the company has a safety margin of 36 % 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.
Points of caution: