Financial Guide

With ten years experience in banks, on the corporate side, Dionis Balan came up with the idea to create a financial consulting department, within Dionis Capital, following the interaction with the entire range of clients of banks, but especially on the average corporate segment, many of them facing difficulties in obtaining financing.

Investment credit

Credit for working capital

Credit for financing the current activity

Factoring and discounts

Bank guarantee letters

Refinancing solutions

We live in a paradoxical country. In 2018 we had a record number of companies that applied for insolvency. It is very difficult to work with a company that is insolvent, as banks are currently very reluctant to lend normally.

First of all I have to know the point where the insolvent company is located. An entrepreneur knows and anticipates when it will go into bankruptcy. The insolvent entrepreneur must be very honest with the banks, very honest with his creditors, suppliers and customers.
It can be financed through a very well developed business plan, by the person dealing with the case, insolvency, transparency, but there are few cases that have managed to be financed in insolvency.

Unfortunately, our banking system is heavily built, bureaucracy is stubborn so I know of cases where they simply gave up their business. That’s why I see many in the market entrepreneurs who have reached a certain level of saturation to become physically and physically tired.

Financial intermediation represents a short time and few headaches. We take over a file, we do an analysis on that file, a risk analysis, a business analysis and a financial banking analysis with the partners we work with in the banks.

A consultant knows very well what negotiation possibilities he has for a financing contract. It is very important to negotiate because a client does not have to remain captive to a bank and to get out of that banking relationship, it pays a lot.

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