Dernière modification le 01/09/2022 à 22:32 par Kate Griss

by Erwan COATNOAN DE KERDU

Intangible Capital Value

Our core business: intangible capital valuation

FINANCING OR GRANTS

A company’s debt capacity (or “borrowing capacity”) corresponds to its ability to take out new bank loans without jeopardizing its financial equilibrium and therefore its profitability.
It therefore represents the maximum amount that the company can repay to the bank each month. It is therefore one of the essential criteria taken into consideration by a banking establishment to determine the amount and duration of any new credit requested.



    WHY

    Debit ratio calculator

    How to calculate the debit capacity of a company in order to validate the financing strategy?

    Equity (amount of share capital on balance sheet )

    Financing needs

    Outstanding loans

    Debt capacity

     

    DETAILS AND CALCULATION OF FINANCING NEEDS

    Details of the composition of the share capital

    Partner 1

    Partner 2

    Partner 3

    Details of the costs of incorporation

    Lawyer's fees

    Accountant's fees

    Online platform fee

    Total fees

    Details of the acquisition of the business or the commercial lease

    Security deposit

    Rent advance

    Total

    Details of the work and improvements

    Rehabilitation

    Stock

    Store renovation

    Furniture

    Miscellaneous improvements

    Details of equipment investments

    Office equipment

    Computer equipment

    Activity-specific equipment

    Total investments

    Detail of the stock

    Inventory write-back at the inventory date

    Working capital

    Total stock

    Working capital requirement

    TOTAL FINANCING REQUIREMENTS

    Impossible to determine and need assistance
    Contact

    The calculation for a company

    1st method: cash flow Some banks calculate the cash flow of the company:
    MBA: net income of the company "Amount" + depreciation and amortization "Amount
    In principle, the MBA must be able to pay the company's debts for at least one year and the debt must not exceed four years.

    2nd method: the debt ratio of a company
    It is also possible to use the company's debt ratio to determine its ability to take out a new loan. In this case, the formula for calculating the debt ratio of a company is :
    Debt-to-equity ratio: (total debt" Amount "/ equity" Amount) x 100.

    3rd method: the company's debt ratio
    To go further, some people also calculate the company's debt ratio by taking into account only the financial debts:
    Debt-to-equity ratio: (financial debts "Amount" / equity "Amount") x 100.

    RESOURCES

    Free contribution: intangible capital I want to value my contribution
    Contribution of the partners

    Grants

    Send contract for grant

    Professional loans

    Send loan contract

    CALCULATOR OF FUNDING NEEDS

    The calculation of the financing needs is mainly based on the following elements :
    Company formation costs and, if applicable, contributions to the share capital;
    Product and service development;
    Search for a place and fitting out work ;
    Material investments (furniture, computer equipment, tools, etc.) ;
    If applicable, stock ;
    Working capital requirements (also known as WCR), i.e. the sums needed to pay the company's current expenses (payment of salaries, rent, suppliers, etc.).

    The most important investment items include

    Replacement of existing equipment;
    Acquisition of new tangible assets (new machines, etc.) and intangible assets (patent, brand, etc.);
    Investment in research and development of new products and services.

    The debt ratio is therefore : receive the answer OR receive a table to calculate alone .

    Calculation of your ratios to prepare your financial file with your "trusted third party".

    Do you need a guarantee : after the analysis of the flows, the bank or the lender will ask for a guarantee and we can assist you

    Do you have a financing request to make:

     

    Send documents

    Loan agreement 1

    Loan agreement 2

    Loan agreement 3

    Button reserved for customers
    Ratios

    Do you need a guarantee?

    I already bring all the necessary grace to have a favorable opinion

    I need >

     

    Comments

    Drag To Verify

    Mieux vous connaitre en 1 clic