The process of obtaining a loan in banking institutions has become particularly acute, and has also become a matter of survival for many enterprises. At the same time, many banks are very careful when issuing loans. In turn, the most important requirement is the ability to repay the debt by the potential borrower himself. At the same time, not the least role is played by the ratio of the company's provision with circulating own funds.
Instructions
Step 1
Calculate the value of the ratio of the security of working capital, which refers to the indicators of the financial stability of the company. It characterizes the amount of the company's own circulating assets, which are needed for its financial stability. Calculate this ratio using the following formula: subtract the ratio of current assets to non-current assets from the amount of equity.
Step 2
Please note that when your home equity ratio is low, your chances of getting a loan will be low. However, there are various ways to make changes in the structure of the accounting report in such a way as to achieve the growth of this ratio.
Step 3
Decrease the value of the ratio of current assets in order to increase the working capital. It will also help you increase your equity capital and reduce the size of non-current assets.
Step 4
Use other methods to increase the company's own funds. To do this, you can write off all the existing or a certain part of the accounts payable to income. In this case, the amount of equity capital will increase significantly. However, such a method can only be tolerated in relation to debt on loans, for which the limitation period has expired.
Step 5
Enter into a contract for the sale and purchase of shares with deferred payments. Such an agreement will help you reduce the amount of non-current assets and increase the amount of current assets. If in practice it turns out that the company does not intend to dispose of its own shares in favor of other persons, then it is necessary to include additional conditions on the deferred payment in the specified documentation and indicate that in case of non-payment of the purchase price of these shares in a certain (established) term they will be subject to return to the seller.
