Financial Consultancy
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15+
years of experience in the financial-banking field
Bright Finance offers the first package of personalized financial and business analysis services in Romania.
With our expertise in both bank product sales and banking risk, we position ourselves as a trusted partner for small and medium-sized companies in Romania.
We aim to help entrepreneurs understand the financial situation of their company through the lens of relevant financial indicators, especially for the banking system.
In this regard, we start with:
Assessment of the financial performance (financial analysis) of the company based on data recorded in accounting for a minimum of 2 years;
Monthly monitoring of the evolution of the company’s main economic and financial indicators:
Liquidity
Solvability
Payment capacity rate
Debt ratio
Interest coverage
Financial leverage
Stock rotation speed
Claims turnover speed
Supplier turnover speed
Turnover of current assets
Return on capital employed
Operating profit margin
Economic profitability
Financial profitability
The next step is to correlate these indicators with bank risk rules, depending on the banks where a credit application will be prepared and also with the limitations imposed by Basel III regulations;
How do we work? We focus on:
1. Develop tools (budgets, cash flow, analysis) needed to forecast expenditure and manage income, where appropriate;
2. Development of financial models to assist in negotiations and decision-making in recovery procedures, where appropriate;
3. Submission of a monthly written report based on the submission of updated accounting documents and a monthly structured working meeting within a two-hour time slot at the client’s or consultant’s premises;
Customer benefits:
Many entrepreneurs don’t have an in-depth understanding of their company’s financial situation; through this financial education service, the company will know whether or not it will be able to access financing, including how it will be structured.
