The point that needs to be submitted to a simple proposal is as follows:
1. Date of credit application / Unsecured Loans.
2. Subject letter of credit without collateral loans, Loan Guarantee, Loan Money, Money Loan & Credit Guarantee
3. Letter addressed to the Branch Head
4. In the opening of the letter delivered on the business type and business field of what has been going on for how long.
5. Unsecured loan financing request to finance anything. Working capital, investments or consumptive.
6. The purpose of such credit Guarantee Credit, Unsecured Loans, Unsecured Money, Credit Loans, Credit Loans, Loans & Credit Money Money later how. That is with no credit we can improve sales target of how much (percentage / MLP numbers), can reach the profit targeted how many, or any addition of assets that can improve business performance, or etc..
7. State the amount of funds requested and do not forget to tell us how much equity there, so banks will only give the deficiency. Usually, banks give a maximum of only 80% of project cost, 20% are from our own capital. Illustration is say to the fulfillment of PT SPK computer procurement. A, we require funds amounting to 100 million, then that can be petitioned to the Bank a maximum of only 80 million, the rest is from our own funds.
8. Give credit schemes that fit the pattern of our business will be financed by the bank. When businesses get a steady income, the monthly installment scheme can be used, if its in the form of project finance scheme, then better use of working capital with profit-sharing system or pay in installments of principal and interest when the project is completed then the Collateral Loan, Loan Guarantee, Loan Money, Money & Loans Credit guarantees can in return. It’s good to discuss with the bank officer, skim what exactly, if necessary grace period etc.. Remember the consequences of the credit scheme, its implications for interest expense and lack of liquidity that must be borne.
9. Closing. To report that we are ready surveyed by a survey team of the Bank.
Looking at my shelf above may not be too difficult to make a letter of credit application to bank especially Guarantee Credit, Unsecured Loans, Unsecured Money, Credit Loans, Credit Loans, Money Loans & Credit Money. Wong was just one sheet only and anyways you will be interviewed by officers of the bank.
But it should also know, the more information received by officers of banks and they understand your business the faster approval also will be given. For bank credit terms, the standard course but in order to more clearly you can get through the bank website, or brochure bank or even better direct telephone to Customer Service and His bank officer. Simple right?
Need money, try to get personal loans to help you.
Tags: Loan Money