Drive your business in the right direction

Finansijski Consulting

Strategic growth and development management means constant company balance management. All balance sheet and P&L ratios have to be in corelation in order for business to go on uninterrupted and for the business system to be stable at any time.

Are assets financing sources adequate regarding length and quality?
Does future profitability correspond with paying off long-term loans?
Which sources can be used to finance planned growth/investment?

Lack of balance sheet coordination, inadequate ratio between income and short-term loans, operating profit margin and long-term debt, low net working capital, etc. lead to inappropriate cash flows which disrupt the stability and sustainability of your company. After a comprehensive finacial analysis of your business, we will make long-term projections based on your strategic goals and give recommendations and suggestions regarding needed/necessary balance adjustments. We will test the optimal working capital management, suggest redesigning external sources of financing and develop and dynamically follow further structure in accordance with company business projections. Balance sheet coordination guarantees adequate cash flow and the ability to cover immediate liabilities.

How to get the right loan for you?



Nowadays, risk tolerance in banking is becoming lower and lower. A detailed long-term plan and a clear presentation of a plan for all possible risk-managment is expected. Based on the presented business plan, the bank establishes covenants (a set of financial ratios which the client must adhere to while they pay off a loan, for example Net Debt/EBITDA, DSCR, Equity Ratio), which are entered in the Loan contract. If the client does not comply with the covenants, the loan can become significantly more expensive or become due early.

Considering our vast banking experience, you can let Rolling Stone recommend the necessary external financing, negotiate the arrangements and all accompanying Contract elements in the best way for your company and also prepare all the documents the bank requires to approve a loan.