1. Character.
Your commitment as a party concerned requesting capital loan, how your track record, how your management style (whether one-man show, family, or partnership).
2. Capital.
How much you spend personal funds, “Because it is impossible all the capital came from banks, ‘said Ayu. Then the structure of capitalization (the number of total initial capital paid up, and profits that accumulated into capital), the composition of capital ownership (anybody owners of capital, investors who guarantees, and whether investors also become members of management), and capital assets, which consist of tangible assets (land, buildings, machinery, stock, etc..) and intangible assets (brand, goodwill, good name, etc..).
3. Capacity.
Assessed, among others: how the sales trends (up, down, or stagnant), cost structure (fixed cost, variable cost), comparison of costs and revenues, accounts payable and receivable (bigger, smaller, or the equivalent), cash flow projections (surplus or deficit), employment (permanent or contract, how the skills and experience), to the production capacity (amount of production per day, whether in accordance with the sales).
4. Condition.
Include business licenses, the industry conditions (whether the risk of small, medium, or high), business prospects, competitive situation (whether it be a market leader, market follower, niche market, or a single fighter), and this is the most important: what is its unique selling point or (is easily imitated, or difficult to imitate, and until when progress).
5. Collateral.
Is there a loan guarantee of capital, both tangible (cash, stock, equipment, vehicles, and that nature does not move, such as land and buildings), intangible (personal guarantees, company guarantees, credit insurance, association or cooperative insurers, etc..).
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