{"id":26114,"date":"2021-03-09T14:21:56","date_gmt":"2021-03-09T14:21:56","guid":{"rendered":"https:\/\/www.pharmamanage.gr\/2021\/03\/09\/what-a-bank-looks-for-when-lending-to-independent-pharmacists\/"},"modified":"2024-02-01T16:31:57","modified_gmt":"2024-02-01T14:31:57","slug":"what-a-bank-looks-for-when-lending-to-independent-pharmacists","status":"publish","type":"post","link":"https:\/\/www.pharmamanage.gr\/en\/what-a-bank-looks-for-when-lending-to-independent-pharmacists\/","title":{"rendered":"What a Bank Looks for When Lending to Independent Pharmacists"},"content":{"rendered":"<p><strong>A bank\u2019s decision to lend money to a borrower is not rocket science.<\/strong><\/p>\n<p>The final decision is made based on five founding principles. At the core of any loan process is a credit analysis to determine the risk associated with making the loan and the likelihood of repayment.<\/p>\n<p>In business financing, it is not just a matter of evaluating the business, but also the borrowers associated with its ownership and operations.<\/p>\n<p><strong>Most credit analyses use the five C\u2019s to evaluate the risk of a loan<\/strong>:<\/p>\n<ul>\n<li data-mce-word-list=\"1\">Character<\/li>\n<li data-mce-word-list=\"1\">Capital<\/li>\n<li data-mce-word-list=\"1\">Conditions<\/li>\n<li data-mce-word-list=\"1\">Collateral<\/li>\n<li data-mce-word-list=\"1\">Cash flow<\/li>\n<\/ul>\n<p><strong>Documents such as tax returns (individual and business), personal financial statement (PFS), resume, interim profit and loss statements, balance sheets and a business plan help paint the picture of a borrowers five C\u2019s.<\/strong><\/p>\n<p>Below we\u2019ll explain each of these categories and discuss why pharmacy owners should pay attention before seeking financing for their pharmacy.<\/p>\n<p><strong>Character: Can a bank trust you?<\/strong><\/p>\n<p>From each interaction, the bank is determining honesty and integrity.<\/p>\n<p><strong>Lenders need to be confident that the applicant has the background, education, industry knowledge and experience required to operate their pharmacy successfully.<\/strong><\/p>\n<p>This all amasses to answer the question of \u201ccan we trust that you will be able to run this business successfully and pay back our loan?\u201d<\/p>\n<p><strong>Business owners have a personal financial history that can help paint a picture of their (likely) future behavior.<\/strong><\/p>\n<p>There are many factors that influence loan approvals, and personal finances and credit can have a significant impact on your ability to borrow money for business purposes.<\/p>\n<p><strong>Your credit report is your track record of prior debt repayment. It compiles your debt story in one place then tells a reader how successful you are at paying your debt back.<\/strong><\/p>\n<p>Balances, credit limits, and payment history are reported from your credit cards, student loans, mortgages, car loans or other lines of credit.<\/p>\n<p>Payment history is one of the most significant factors in your credit score.<\/p>\n<p><strong>Capital: What is your investment?<\/strong><\/p>\n<p>When asking to borrow money from a lender, they\u2019re going to ask what personal investment, or capital, you plan to make or have already made in the business.<\/p>\n<p><strong>Contributing personal assets demonstrates that you are willing to take a personal risk for the sake of your pharmacy business; it shows that you have \u2018skin in the game.\u2019<\/strong><\/p>\n<p>To assess your personal financial position, the lender will request a PFS; this shows a summary of your assets, things of value you own, liabilities, debts or obligations. It also indicates your financial responsibility.<\/p>\n<p><img decoding=\"async\" class=\" size-full wp-image-26112\" title=\"When asking to borrow money from a lender, they\u2019re going to ask what personal investment, or capital, you plan to make or have already made in the business.\" src=\"https:\/\/www.pharmamanage.gr\/wp-content\/uploads\/2021\/03\/images_xside-view-business-man-calculating-finance-numbers_23-2148793751.jpg.pagespeed.ic_.HADvLYETGS.jpg\" alt=\"When asking to borrow money from a lender, they\u2019re going to ask what personal investment, or capital, you plan to make or have already made in the business.\" width=\"100%\" srcset=\"https:\/\/www.pharmamanage.gr\/wp-content\/uploads\/2021\/03\/images_xside-view-business-man-calculating-finance-numbers_23-2148793751.jpg.pagespeed.ic_.HADvLYETGS.jpg 626w, https:\/\/www.pharmamanage.gr\/wp-content\/uploads\/2021\/03\/images_xside-view-business-man-calculating-finance-numbers_23-2148793751.jpg.pagespeed.ic_.HADvLYETGS-300x169.jpg 300w, https:\/\/www.pharmamanage.gr\/wp-content\/uploads\/2021\/03\/images_xside-view-business-man-calculating-finance-numbers_23-2148793751.jpg.pagespeed.ic_.HADvLYETGS-585x329.jpg 585w\" sizes=\"(max-width: 626px) 100vw, 626px\" \/><\/p>\n<p><strong>From these numbers, you are then able to calculate your net worth, which is assets minus liabilities.<\/strong><\/p>\n<p>Accumulating credit card debt, even in smaller amounts, can appear as a less favorable type of spending behavior than larger student debt balances used to invest in your education or a reasonable mortgage for a house.<\/p>\n<p>Savings are important as it shows the lender that you are living within your means.<\/p>\n<p><strong>Conditions: What is the money being used for?<\/strong><\/p>\n<p>To the lender, conditions represent what the money can be used for and the overall health of the industry.<\/p>\n<p><strong>Many things factor into how the lender evaluates the conditions.<\/strong><\/p>\n<p>The premise is that they are gaining a perspective on what the loan will be used for, what will be taking place, the status of the business, as well as the status of the profession and marketplace economy.<\/p>\n<p><strong>Lenders like to see positive trends and robust business plans with a thoughtful plan for growth and continuity.<\/strong><\/p>\n<p>Common reasons for pharmacy financing include: acquiring an existing pharmacy, expansion, renovations, prescription file buys, working capital and refinancing existing loans.<\/p>\n<p><strong>Collateral: What if you don\u2019t pay back the loan?<\/strong><\/p>\n<p>A lender has to consider the worst-case scenario. What happens if the borrower chooses not to pay back the loaned money?<\/p>\n<p><strong>Collateral acts as a secondary source of repayment. A lender will consider the value of the business\u2019 assets and the personal assets of the guarantors as potential collateral for the loan.<\/strong><\/p>\n<p>Collateral also acts as a psychological motivator, as people tend to get more resourceful when they have something to lose.<\/p>\n<p><strong>Cash flow: How will you pay it back?<\/strong><\/p>\n<p>To approve the loan, the lender wants to get comfortable with how your pharmacy will be able to repay the loan successfully.<\/p>\n<p><strong>With business loans, the repayment ability is coming from the performance of the business being evaluated and the state of their cash flow.<\/strong><\/p>\n<p>You should have sufficient income to support your business expenses and debts comfortably while also providing principals\u2019 salaries sufficient to support personal expenses and debts.<\/p>\n<p><strong>Cash flow management is an imperative skill for any small business owner.<\/strong><\/p>\n<p>There is a lot to prepare for when looking to obtain a loan. Always remember character, capital, conditions, collateral and cash flow as the pillars of a typical credit analysis.<\/p>\n<p>Start reviewing these five areas to help the lender evaluate your business to better understand the risk of making the loan.<\/p>\n<p><strong><a title=\"PHARMACY management TUTORIAL\" href=\"en\/\">www.PharmaManage.gr\/en\/<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A bank\u2019s decision to lend money to a borrower is not rocket science. The final decision is made based on five founding&hellip;<\/p>\n","protected":false},"author":3,"featured_media":26110,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_lmt_disableupdate":"","_lmt_disable":"","cybocfi_hide_featured_image":"","footnotes":"","_wpscppro_dont_share_socialmedia":false,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"","_twitter_share_type":"","_linkedin_share_type":"","_pinterest_share_type":"","_linkedin_share_type_page":"","_instagram_share_type":"","_medium_share_type":"","_threads_share_type":"","_google_business_share_type":"","_bluesky_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[378],"tags":[],"class_list":["post-26114","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-management-financing"],"acf":[],"yoast_head":"<!-- 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