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SECRETS REVEALED - DUBAI , UAE- HOW TO GET BANK FINANCE
Dear Friends,
Many of you might have had a good Business during the Christmas and Year
endsales and now rearing to go at new business expansion and opportunities
in the coming months . We have been able to serve 10100 customers as of
29th December 2007 of which 90% were for cash loans and 10% for normal
trade finance . We have received several queries from our customers of
how to get the maximum possible finance from Banks and today we would
like to give you a brief idea of how we arrange bank finance here in the
UAE from Banks .
Our primary look out in a customer are the following:
1. How old is the company ?
2. Is the company an LLC or an Establishment ?
3. If an LLC , then does the expat director have borrowing powers from
Bank in the Memorandum and Articles of Association which is called court
agreement .
4. What is the line of industry the customer is in .
5. Is the turnover of the company too low ?
6. Are there are too many days in the bank statement that the balances
have gone very very low ?
7. Are there are more than 3 cheque returns in one year and any single
cheque return in the last 3 months ?
8. Is the turnover of the company on a growth scale or is the business
going down.
9. Is the age of any director / partner over 60 years
10. Does the company have any audited figures ?
11. Is the company prepared to allow us to make the in house financial
figures and then approve its correctness.
12. Are there too many inward cheques from company's customers also
returning ?
13. Does the company have somebody to answer the office telephone properly
when a bank calls ?
14. Does the company have sudden large volumes of cash coming into the
account ?
15. Compared to industry standards is the company's profitability too low
or too high ?
16. Has the company already borrowed from too many banks ?
17. Has the company applied in banks and cases have been rejected ?
18. Are the company's debtors of good quality ?
19. In case the company wants to go for normal trade finance does it have
3 years financials ( audited or non audited ) or is the company ready to
make it with our help ?
20. In the case of normal trade finance like LC.TR,LBD,OD is the company
prepared to place some fixed deposits in the same bank in the company's
name in the first year of facility as it will be a new relationship with a
new bank ?
21. Is the company ready to consider Islamic financing also ? , as they
are the cheapest today and very friendly loans once you get over the
initial procedures ?
22. Is the company ready to provide some projections of what the company
will do with the finance we can arrange for the company ?
We have now revealed to you above the secrets of bank finance . If you can
satisfy the above questions yourself and have ready solutions for them ,
then you do not need us . You can go directly to the banks .
The advantage of going through us is that we have direct contacts with 14
banks and we know what the bank wants and we will advise you properly and
make sure you get finance to the extent needed by your company . We will
help you prepare your feasibility report, projections, balance sheets in
the case of Normal trade finance like LC,TR , OD etc. Our CEO Mr P.
Rajshekhar ( popularly known as Mr Raj in the field) is well known in the
industry in this same field for the past 22 years in Dubai .
In case you are looking only for CASH loans then we can get you upto 2
million from 7 banks within 30 working days , based on your one years
bank statement. All you need is a minimum turnover of Dhs 80,000 per month
in your bank statement.
We thank all our customers who have supported us all these years bringing
Accord Management Consultants with its team of 16 members to this level.
We are a management Consultancy firm based in Ghusais , Dubai . We have
satellite offices in Sharjah and Abudhabi but all business is controlled
from Dubai.
Thanks and Best Regards
Sreedevi Manoj , Shiraz Karim, Prameed Nair, Sonia Bhargava, Lekha Menon,
Sherin Mohd, Subhlaxmi Ram, Siab Karim and the rest of the AMC team.
Our main contact persons and numbers are
PADMA PRABHAKHAR- Office 2678654 or Mobile 050-6748775
P. RAJSHEKHAR- 050-5537664
PLEASE DO LET US KNOW IF INTERESTED. Once you decide to go ahead the
following documents would be needed.
DOCUMENTS NEEDED FOR PROCESSING TERM LOAN ( CASH LOANS)
1. TRADE LICENCE COPY
2. MEMORANDUM OF ASSOCIATION COPY
( PLEASE MAKE SURE THAT BORROWING CLAUSE BY MANAGING DIRECTOR IS PRESENT
IN THE MEMORANDUM OF ASSOCIATION)
3. PASSPORT COPIES OF DIRECTORS ( EXPAT PLUS LOCAL)
4. 5 VISITING CARDS
5. BANK STATEMENTS 3 months to 1 year depending from which bank you need
the facility .
6. COMPANY PROFILE ( ONLY IF AVAILBLE)
7. BALANCE SHEET ( ONLY IF AVAILABLE)
We receive about 100 calls a day and about 40 are prospective customers so
we are unable to come to your office with this traffic situation,
therefore we request you to come to our office at Ghusais where over a
cup of tea we could peacefully discuss your finance needs .
ONCE ABOVE DOCUMENTS ARE READY AND OUR MOU IS SIGNED PLEASE COME OR SEND
THE SAME TO OUR OFFICE AT GHUSAIS OFFICE 116, 1ST FLOOR, DAMASCUS STREET
,AL GHUSAIS TEL 2678654 CONTACT PERSON MRS PADMA PRABHAKHAR
WHEN U COME FROM INVESTBANK ROUND ABOUT SHARJAH TOWARDS GHUSAIS U WILL
REACH THE FIRST SIGNAL IN DUBAI ( THIS ROAD LEADS TO DUBAI GRAND HOTEL) U
WILL
SEE A MASHREQ BANK , KEEP GOING TOWARDS GRAND HOTEL, ON THE RIGHT U WILL
SEE A EPPCO PETROL STATION , WE ARE THE 7TH BUILDING AFTER THE EPPCO ON
THE SAME RIGHT SIDE. DONWSTAIRS IS A PHARMACY - AL ARBASH PHARMACY- YELLOW
COLOUR BUILDING AFTER OUR BUILDING ARE 14 NEW BUILDINGS ( ALL YELLOW
COLOUR). There is a new adcb bank , spinneys that has sprung up in these
new 14 buildings , which is after our 4 storey yellow color building.
LOOKING FORWARD TO YOUR VISIT.
PADMA PRABHAKAR
050-6748775
TEXT ONLY EQUIVALENT
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