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Articles on financial health, payment terms and credit decisions

Practical articles on keeping track of the companies you work with, raising your company's score and preparing a loan application.

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Which documents are required for a company loan application?

Representation, ownership and financial documents required for a company loan application, how to build a repayment plan, and checks to make before submitting.

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Which documents are required for a company loan application?
Does a rejected credit application lower your company's score?Credit ApplicationDoes a rejected credit application lower your company's score?The impact of a rejected business credit application on the Firmaskor Credit Score and company records, initial steps after rejection, and what to change before reapplying.How to compare business loan offers: interest, fees and early repaymentCredit ApplicationHow to compare business loan offers: interest, fees and early repaymentHow to compare business loan offers on total cost across interest rates, allocation and disbursement fees, valuation expenses, and early repayment terms.Who applies for a company loan, and must shareholders be guarantors?Credit ApplicationWho applies for a company loan, and must shareholders be guarantors?Who can sign a loan agreement on behalf of a company, conditions for guarantees required from shareholders and directors, spousal consent, and how leaving the company affects a guarantee.How does a new or low-collateral business prepare for a loan application?Credit ApplicationHow does a new or low-collateral business prepare for a loan application?Application preparation for businesses with a short track record or limited collateral: records to build, guarantee schemes, receivables financing and alternatives.What is a commercial credit score?Credit ScoreWhat is a commercial credit score?What a commercial credit score is, how it is determined, how to check it, and what it means for your business.Corporate credit scoreCredit ScoreCorporate credit scoreHow a corporate credit score is calculated, where it is used, and how often it should be checked.What is a risk score?Risk ScoreWhat is a risk score?What a risk score means, how to read it, and what determines your company's score.Risk score bands: what do the bands mean?Risk ScoreRisk score bands: what do the bands mean?What the Risky, Watch and Safe bands mean, what you should do in each band, and why a company that pays on time can still see its score drop.Company risk scoreRisk ScoreCompany risk scoreWhat a company risk score shows, who looks at it, and how to improve it.Checking your credit score: how to see your company's scoreCredit ScoreChecking your credit score: how to see your company's scoreSteps to check your company's credit score, how it differs from a personal score, and what to do once you know your score.Why does a credit score fall?Improving Your ScoreWhy does a credit score fall?The factors that lower a company's score, why businesses that pay on time can still see their score drop, and how to stop the decline.Raising your credit score: how to improve your company's scoreImproving Your ScoreRaising your credit score: how to improve your company's scoreThe steps to raise your company's score, the adjustments that show results quickly, and what does not work.Why are credit applications rejected?Credit ApplicationWhy are credit applications rejected?Common reasons company credit applications are rejected, early warning signs, and steps you can take before applying.Credit approval criteria: how is your application assessed?Credit ApplicationCredit approval criteria: how is your application assessed?Key factors evaluated in business credit applications, preparations that increase the likelihood of approval, and a pre-application checklist.How is a company credit limit determined?Credit ApplicationHow is a company credit limit determined?The factors determining a company credit limit, why limits can be lower than expected, and how to prepare for a limit meeting.Credit freezes and limit reductionsCredit ApplicationCredit freezes and limit reductionsWhy limits are reduced, the early warning signs you can spot in advance, and the steps to follow to restore your limit.Liquidity and ability to pay: your short-term breathing spaceFinancial HealthLiquidity and ability to pay: your short-term breathing spaceWhat ability to pay means, how liquidity squeezes happen, and how to increase your company's short-term breathing space.How collection periods affect your credit scoreFinancial HealthHow collection periods affect your credit scoreHow late collections affect a company's score, what areas they drag down, and the difference shortening collection periods makes to your score.Rebuilding your commercial reputationImproving Your ScoreRebuilding your commercial reputationSteps to rebuild your commercial standing if your company's financial outlook has weakened, and when the improvement feeds through.What is an industry credit score?Financial HealthWhat is an industry credit score?What industry comparison means, why the same score is interpreted differently across sectors, and how to see where you stand.How your financial statements affect your scoreFinancial HealthHow your financial statements affect your scoreHow your financial statements translate into a company score, the areas assessed, and the impact of data quality on the result.What is company valuation?Financial HealthWhat is company valuation?What company valuation is, which questions it answers, and how it differs from a financial outlook assessment.The written assessment in your reportFinancial HealthThe written assessment in your reportWhat the written assessment in the Firmaskor report says, what it does not say, and how to use it when reading your result.What should your commercial credit score be?Credit ScoreWhat should your commercial credit score be?Which range your company's score should be in, what the bands mean, and what you need to check before applying.How your debt burden affects your credit capacityFinancial HealthHow your debt burden affects your credit capacityHow a heavy debt burden impacts your company's score, when it creates pressure, and how to ease it before applying.What is a risk report?Risk ScoreWhat is a risk report?What a risk report shows, why it can turn out negative, and where to start to improve your company's profile.

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