Financial Managing Essay

Caselet 1

Case1: Credit Decision - Agarwal Case

On August 35, 2006, Agarwal Cast Firm Inc., applied for a $200, 000 bank loan from the primary office from the National traditional bank of New York. The application was forwarded to the bank's commercial loan department. Gupta, the President and Principal Stockholder of Agarwal cast, sent applications for the loan face-to-face. He told the loan police officer that he previously been in organization since March 1976, although that he had considerable previous experience in flooring and carpets seeing that he had performed as an individual contractor within the past 20 year. The majority of this time, he previously worked in Frankfert and Michigan. He finally chose to " help himself" and he produced the company with Berry Hook, a former co-worker. This information looked like there was consistent with the Gloomy and Bradstreet report received by the bank According to Gupta, the goal of the loan was to assist him in having his receivables until they may be collected. He explained which the flooring organization required him to spend substantial cash to purchase materials but his clients would not shell out until the task was completed. Since he was relatively new in the commercial, he would not feel that he could compete if he previously to need a sizeable pay in or repayment in advance. Rather, he could quote for higher earnings, if this individual were willing to wait until completion of the job to get payment. To demonstrate that his operation was sound, this individual included a summary of customers and projects together with his loan application. He also included a directory of current receivables. Gupta informed the loan police officer that he previously monitored his firm's economical status tightly and that he experienced financial information prepared every six months. This individual said that the would send a copy to the bank. In addition , he was happy to file an individual financial declaration with the financial institution. Question:

1 ) Prepare your suggestion on Agarwal Cast Business

Caselet 2

This case continues to be framed in order to test the skill sets in evaluating a credit request and reaching a correct decision....



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