CREDIT FOR SMEs

The introduction of the New Accord on minimum capital requirements (Basel II) led banks and financial institutions to reengineer their risk management structures and the related tools.

For this reason, the employment of clients’ rating as weighting method of activities with credit risk has become of high importance. Therefore, it comes the need especially for small-medium enterprises (SMEs) to submit to the banks a documentation that shall be the result of a flawless financial management in order to obtain a credit, either short, medium, or long-term.

Considering the complexity and relevance that a forecasting financial analysis might have on a company’s sustainability, FPM decided to specialize in this domain so to improve the credit score of a SME and facilitate the access to loan. A deep understanding of the valuation methods for credit risks used by the banks, as well as a consolidated network, give to FPM Group a remarkable competitive advantage.