Dorin Pantea, Loan Broker
Whenever you ask someone for something, the answer you get will be either a YES or a NO. Many times, this answer depends on a plurality of factors that play a larger or smaller part in the final decision. Therefore, it is of great importance to know what weighs more in the balance and what you can do to maximize your chances. Here are ten qualities that can prove helpful in the process of obtaining a loan.
Microîntreprinderile din zonele urbane pot obţine finanţare nerambursabilă de până la 200.000 Euro pentru proiecte de investiţii prin Programul Operaţional Regional, Axa prioritară 4 – „Sprijinirea dezvoltării mediului de afaceri regional şi local”.
The iceberg model is primarily known in the field of communication. The model can largely be traced back to Sigmund Freud’s “iceberg model of consciousness”. The fundamental assumptions of the model have meanwhile been applied to many different fields. This model is not only a key pillar of communication theory but is also used, for example, in connection with organizational development, educational psychology, project management and/or corporate culture.
Through the Business Advisory Services (BAS) Program, eligible companies can obtain grants covering 50% of the consultancy project's total net cost up to 10,000 euro. ROMCOM INVEST is an accredited consultant in the BAS Program and offer an array of consulting services related to business development and feasibility studies.
For several months, I noticed many of our clients are confronted with liquidity issues and are late making monthly loan or consulting service payments as a result. While most blame the "crisis", a closer look reveals more specific issues such as dependence on one big client, relatively high inessential business expenses, or bad acquisition procedures.
ROMCOM is a Swiss-Romanian organization with 20 years experience in providing development solutions for small and medium enterprises through financing, consulting and business training. The ROMCOM program was launched in Oradea in 1991 by Christliche Ostmission from Worb Switzerland, having as founding members Mr. Georges Dubi, Mr. Mario Bruehlmann, Mr. Erno Veres and Mr. Emeric Kulcsar. Today, ROMCOM has offices in Oradea, Timisoara, Zalau, Suceava and Galati.
During 1992-2011, ROMCOM financed more than 1200 business projects valued at approx. 20 million EUR, which created and supported over 6000 jobs. The ROMCOM loans are offered through the Microfinancing Company IFN ROMCOM SA with funding from Christliche Ostmission, Swiss Agency for Development and Cooperation, HOPE International, COOPEST SA and Oikocredit.