PreRating
Would you like to play it safe and know in advance how you would perform in the next rating? Would you like to know exactly how our pre-rating works? Please get in touch with us.
How companies optimize their rating with the bank
Do you have any major investments planned in the near future? If so, you will most likely need to rely on a lender. However, SMEs in particular often find it difficult to obtain a loan. In recent years, the regulations that apply to banks have become more and more strict. Consequently, they are checking the creditworthiness of companies more meticulously when granting loans. Banks determine creditworthiness by means of ratings based on the latest annual financial statements.
Are you facing the challenge of acquiring a loan for your company? Are you unsure whether your credit rating is sufficient? Ask our experts!
Better prepared for the credit process – thanks to a pre-rating
Your entrepreneurial flexibility, the future of the business, its prospects of success – a lot can depend on a loan. That’s why obtaining a loan should not be a matter of luck. We support you with our pre-rating tool. This tool allows us to simulate the bank rating in advance using key parameters from your annual financial statement documents. Thanks to our forecast of your creditworthiness, you can see what your potential credit prospects are even before negotiations begin.
Among other things, the bank rating determines this:
- Whether a loan is granted at all
- How high the loan is
- What the conditions of the loan agreement are
- What collateral is required
- How high the fees are
- What information an entrepreneur must disclose
Optimising the annual financial statements for the rating
If the pre-rating shows that the financing you need is on shaky ground, we can help you develop your annual financial statements in collaboration with ABG Steuerberatung. On request, ABG Consulting can also support you with specific appointments with the financier. We prepare the necessary documents and support you in negotiations.
How we prepare you for the rating
- Detailed analysis of key performance indicators
- Comparison of your figures with the industry average
- Determination of your pre-rating score
- Identification of areas for improvement
- Strategy development for an optimal bank rating
- Preparation of documents, support during financing discussions
Further services for
corporate management
Further services for
corporate management
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