What is a Bank Credit File?

Companies need a loan from time to time, but it is just as important to get a loan in appropriate options as it is to get a loan. A bank credit file is a request file submitted to the bank for approval of a loan suitable for your company. After the documents that must be included in the bank’s credit file are provided, the loan application process begins. Jul.

What does a Bank Credit File Consultant do?

Basically, the bank credit file consultant analyzes all banks in case of a loan request from your company and informs you about the appropriate loan options. In addition; it helps you to get a loan on more favorable terms by preparing a report indicating the current financial situation of your company. Preparation of the bank credit file, preparation of the loan application process and provision of official documents are among the other tasks of the bank credit advisor.

How to prepare a Bank Credit File?

The bank credit file is prepared as a result of a comprehensive study. We have listed the stages of creating a bank credit file so that you can get a loan in the appropriate options for your company:

• Analyze the credit status of your company/person. You can easily do your analysis with your KKB score.
• Proceed to the file preparation stage and start providing the relevant documents and documents.
• Make sure that your documents and documents are up to date. Prepare your financial statements.
• Submit your prepared file to the bank of your choice.

You can easily do all these transactions through Toker Investment Consulting with our bank credit consultant, whom we will assign to you.

For which sectors is a Bank Credit File prepared?

Although it is primarily for production, investment and export purposes, bank loans can be used for almost all sectors. In order to get the loan suitable for the sector you are in while taking a bank loan approved in a timely manner, contact Toker Investment Consulting and get detailed information about loans immediately.

What should be considered while preparing a bank Credit file?

At the stage of preparing a bank credit file, you should pay attention to the main items listed below. In order for the loan you will use to be advantageous and to be approved immediately, the file preparation process must be completed completely.

• KKB Score.
• The industry in which you trade.
• Your goal of getting the loan.
• The payback period of the loan.
• The amount and term of the loan.
• The current commercial history of your company.
• Your guarantee/surety.

Can someone use a loan that has not worked with banks before?

There are some conditions for obtaining a loan from a bank. Whichever bank the loan is to be withdrawn from, having a transaction history with that bank, having a certain income, the conditions for showing collateral are basically the same from bank to bank, but may show some differences depending on the area of use of the loan. After passing these stages, a bank loan can be obtained.

Should consultancy services be taken for Bank Credit File?

Applications can be made individually and even a loan can be taken, but there are things to be considered at the point of bank lending. When taking out your loan, you need to analyze the payability, long-term or short-term loan options, which bank will be more suitable for which sector very well.

What should be considered while choosing a bank Credit advisor?

It is necessary to think well when taking a bank loan and calculate well immediately after the process. According to the loan rates and KKB score, it is very important to keep the financial structure strong during the payback process.

• Your bank credit advisor should not put you into expenses that are not in the account during file editing and application.
• Your bank credit advisor should analyze all banks for you and ensure that you work with the appropriate one.
• Your bank credit advisor should come up with quick solutions for you and help you get the loan you need without wasting time.