Market Investment

This applies generally – also for NPL funds competing products make it easier to make a decision you. Products should be compared always objectively without emotion and without to discredit another product. It is important to highlight benefits of each product and then compare, may make a factual decision. Both funds are from the side of the initiators from absolutely in order. “The difference is in the company, then in the choice of the target investment: task force NPL chooses here a target investment unsecured loans unsecured claims”, which of course compared to the target investment of NPL investor are considerably cheaper in the shopping. However, they provide no collateral for investors. NPL investor, however, has as target investment secured loans collateralised”claims. NPL investor acquires only claims where you can get a real estate as collateral.

Thus, the risk of a total loss is certainly excluded humanly. Of course, the prices are also higher here as I said. Another Difference is the designation of the return. Task force NPL has unfortunately”chosen a calculation method which has a higher rate of return in most cases, when then comes in the earnings on the account. You say he could expect 10% return to the customer, then understands this just including 10% and not 6%, which are after calculation of the IRR method just 10%. Complicated? Yes, we find also, initiators should generally refrain on this return on investment calculation method. You can earn money with two investments.

What Can Factoring And How Does Factoring?

What opportunities for company LIQUIDITY every company needs continuously and in sufficient volume to get liquidity to its capacity to pay. To ensure this, it is not always easy in times of more restrictive credit policy of banks for the entrepreneur. What opportunities for the enterprises: increase in current income equity funds – this is becoming increasingly rare. Often only the external investor can bring new capital into the company. Increase the existing credit lines at banks – available here may be difficult discussions with the banks. There are yet more collateral, which could lead to an increase in the line? Use of supplier credit – in today, how far is the sub-supplier still ready to give longer goals? This rule may lead to higher purchase prices? The supplier its customers to the faster payment move faster paying customers – how? By grant of discount, faster reminders target reduction. This all are not very popular and could also lead to the loss of a customer. The outlined alternatives could succeed, require at least a medium-term planning any surprises.

In the short term liquidity problems that can be solved little. An alternative to generate cash quickly is factoring factoring companies: FBW factoring Baden-Wurttemberg is one of them. Four important pillars of commercial work in one hand are bundled with factoring. e. The factoring client sold his claims to the factoring provider FBW, immediately receives 90% of the gross claims paid out. By factoring the factoring customer will receive liquidity sales congruent.

Automates its growth financing through factoring. Already in accounting at the company, which thus can make safe its liquidity planning money. According to the new rules for the credit purchase (BASEL II) on the part of the banks, a positive effect on the balance sheet is by factoring the Factoring customers. The equity ratio in the balance, increases which will lead to a better rating for banks through the reduction of the balance sheet (sale of receivables and use of the liquidity to reduce the suppliers and bank loans). SECURITY demand losses belong to day-to-day business only 13.3% of medium-sized companies have no bad debts. It is critical, if the bad debts make up more than one percent of sales: This applies to one-fifth of the company to (20.7%). This problem factoring customers no longer arises. The debt risk is taken on purchased exposures to 100% of the FBW. The profitability of the factoring customers will not be charged due to unforeseen demand losses. Continuous credit monitoring of accounts receivable the FBW BER makes a permanent risk manager of the customer. Receivables MANAGEMENT after consultation with the customer takes over FBW the entire payment process (Mahn-text, Dunning cycle, Dunning levels and individual measures and debt collection) and maintains or provides expert legal advice on judicial measures. About the overall status of the accounts receivable management, the customer is fully informed and is thus in a position to participate in critical customer relationships at any time. Incoming complaints are also immediately agreed with the customer. The FBW analyzed also the customer structure, where appropriate, in the acquisition phase.

Industrial Nations Bank

Paradigm shift is initiated an era of conservative portfolios with the onset of the financial crisis, in the now conservative asset classes are mixed up piece by piece. Larger fluctuations and loss phases, which can stretch out over months and years, it was used so far mainly of stock investments. But by no means of asset classes, whose value stability over several decades across could be duly established. Investors now face a huge challenge. You have to throw old beliefs overboard to position themselves in time for the new market conditions. Just open real estate funds the solid German had accessed to. This asset class has offered him solid well rented building and the prospect of earnings by about 3 percent to 6 percent per year. In addition, the daily availability was an argument with the too-cautious investors an investment move left.

Over the decades, this calculation has gone up and According to the herd behavior, the investors brought to light by following proven investment ideas, open real estate funds not only Depot part of institutional investors, but also private investors were highly popular. Relentlessly, the financial crisis has exposed all weaknesses of this asset class. And because after so many years of carefree, many fund managers had neglected the quality in their portfolios, it has become clear that you may not longer sweeping look at real estate funds. Devaluations and months-long interruptions in the pricing have pushed real estate fund as asset class from the base on the investor had most even picked it. In the future only funds can prevail with high-quality objects and good management. Quality and attentive management is now also available when buying bonds more important than ever. The renowned Cologne Fund boutique Flossbach by Stork points out in its annual report that the current debt crisis will transition to a world in Western government bonds Industrial Nations Bank and not more undifferentiated sure can be considered.