Company 5c

5c шинжилгээ гэдэг нь Capital буюу өөрийн хөрөнгө, Capacity буюу зээлээ төлөх чадвар , Collateral буюу барьцаа хөрөнгө, Conditions буюу зээлийн зорилго, Character буюу байгуулагын нөхцөлийг/удирдлага ажилчидын чадвар, туршлага, бололцоо/ харна. 5С нь зээлийн шилжилгээний энгийн арга юм. Энэ зээлдэгчид байгууллагын байр суурийг ойлгуулах санхүүгийн байдлыг тодорхойлох боломжыг олгодог.

5 C’s of Credit Analysis

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MBDA

Regardless of where you seek funding - from a bank, a local development corporation or a relative - a prospective lender will review your creditworthiness. A complete and thoroughly documented loan request (including a business plan) will help the lender understand you and your business. The "Five C's" are the basic components of credit analysis. They are described here to help you understand what the lender looks for.

The 5C's

Capacity to repay is the most critical of the five factors, it is the primary source of repayment - cash. The prospective lender will want to know exactly how you intend to repay the loan. The lender will consider the cash flow from the business, the timing of the repayment, and the probability of successful repayment of the loan. Payment history on existing credit relationships - personal or commercial- is considered an indicator of future payment performance. Potential lenders also will want to know about other possible sources of repayment.

Capital is the money you personally have invested in the business and is an indication of how much you have at risk should the business fail. Interested lenders and investors will expect you to have contributed from your own assets and to have undertaken personal financial risk to establish the business before asking them to commit any funding.

Collateral, or guarantees, are additional forms of security you can provide the lender. Giving a lender collateral means that you pledge an asset you own, such as your home, to the lender with the agreement...