Worthiness is the key to bank finance

Article Abstract:

Franchise operations in Great Britain can be financed by franchisees who approach lending banks and use personal creditworthiness to obtain a loan, or by franchisors that assist franchisees by directing them to clearing banks with which the franchisor already does business. In either case, loan applicants should prepare business plans that focus on the economic aspects of the franchise location (or market segment served, in the case of job franchises) and the credit history of the franchisee. Business plans must also project operating revenues, and itemize start-up costs (including leasing expenses, shoplifting shrinkage, inventory costs, franchising fees paid to franchisors, and necessary working capital levels). Loan considerations for franchise financing are discussed from the lending institution's viewpoint. These considerations include: franchisees should be prepared to supply 30 percent of the operation's financing; the loaned financing will generally have to be repaid within five to seven years; and bank borrowings will have to secured by business or personal assets.

Economic aspects, Retail industry, Retail trade, Retail stores, Small business, Stores, Franchises, Exclusive dealing agreements, Bank loans

---

A corporate finance model for the decentralised company - 1 (an interactive management model to measure overall and divisional company performance)

Article Abstract:

A simple and flexible interactive finance model is provided for British companies that have decentralized their business operations. The model's main purpose is to distinguish between investment decisions and financing decisions. The model is organized in four sections (cash flow, performance analysis, corporate decisions, and funding - gearing) and measures operating and production efficiency, return-on-sales percentages, and tax and interest factors. In order to work, the model needs to be explained, understood, and become a part of the corporation's management information system.

Analysis, Usage, Profit, Accounting and auditing, Profits, Mathematical models, Decentralization (Management), Profit centers

---

An on-screen LINK to help finance exports

Article Abstract:

The LINK data base from London and International Networks assists British exporters to ensure that earnings from overseas sales are fully realizable, by converting proposed exports into cash transactions and evaluating the importer's ability to meet contractual obligations and pay for the goods prior to shipment. LINK services also include underwriting of the planned export transactions, which allows exporters to realize immediate cash payment for exports and avoid financing such transactions themselves. LINK covers the 50 major markets of the world, by country risk.

WHOLESALE TRADE--DURABLE GOODS, Services, Marketing, Export marketing, Export credit, London and International Networks, LINK (data base)

Similar abstracts:

• Abstracts: R&D intensity and corporate financial policy: some international evidence. Professionalism vs commercialism: the association between non-audit services (NAS) and audit independence
• Abstracts: A risk minimizing strategy for portfolio immunization. Risk management with derivatives by dealers and market quality in government bond markets
• Abstracts: Pointers in the pursuit of excellence. How we should cope with the winds of change. Registration and unity - issues on par with Tricker
• Abstracts: Real accounts on the Sinclair QL - can it be true. A new computer system for R.S. Clare Ltd. True 16-bit PC that outstrips IBM compatibles

This website is not affiliated with document authors or copyright owners. This page is provided for informational purposes only. Unintentional errors are possible.