People often get misinformed. Often they are advised that EDITDA is the important piece, whereas in reality EBIT is real cash flow, not depreciation and amortization. EBIT helps build equity on P&L's which unfortunately is taken very lightly and that is what hurts when businesses look for money.

Credit is a way to measure habits or stress when it comes to triggers like seasonality or economic downturns. How a business handles payments to suppliers and or creditors historically is a reflection of how they may handle the same in future. Alternatively, having a creditline and not utilizing it, may also not help build credit. The real way to build credibility is to use and pay back without putting stress on it, but that's easier said than done when a business needs to grow. That means on the other side of this, getting the right kind of credit, matters. I often advice long term use should be capital that comes from term loans. Short term use comes for lines of credit. This is often misunderstood and misused which leads to problems.

Renegocie dívidas pendentes: Negocie acordos para quitar pendências e regularizar o histórico de crédito. Mantenha um bom relacionamento com credores: Demonstre compromisso e responsabilidade financeira. Crie um orçamento detalhado: Planeje as receitas e despesas da empresa, controlando os fluxos de caixa. Monitore seus indicadores financeiros: Acompanhe KPIs como ROA, ROE, liquidez e endividamento para identificar pontos de melhoria. Implemente medidas de controle de gastos: Otimize processos e elimine despesas desnecessárias.

It is very essential for an organisation to make on-time payments, keep debt levels manageable. Regularly monitor your credit report for accuracy and address any discrepancies on priority. Avoid unnecessary dents which can impacts on your credit score. Utilize credit responsibly by borrowing only what you need and repaying on time.

Growing a company depends on many factors. The culture of senior management pays a key role. Strategies, controlling expenses, keeping a good CFO or bookeeper to keep checking the pulse of the business everyday is critical. Key roles in various positions, how to get business, how to be effective in getting new business, how to keep a check on spending, having a good accountant that actually is not afraid of telling the client how to stay Bankable, is very often absent. Hence, good advice is important for growth as well. Management's vision, goals, strategies, implementation, controlling costs and expenses, showing Profitability to sustain existing debt and in many cases future debt are key to a company's growth potential.

We complicate things. Revenue, price points, scalability, effective sales team and strategies, are the first piece of making money. Then come expenses. It's important to not spend too much, so how does a business control expenses? And what happens when there's alot of cash left? I tell people calculate future debt for growth and leave that cash flow to show the ability to sustain future growth debt, but often money vanishes and that creates a problem when companies seek funding for growth because that's what banks look for. Calculated gamble is a good thing for growth, but being penniwise foolish ends up hurting growth.

Busque diferentes opções de financiamento: Explore alternativas como empréstimos, linhas de crédito, capital de giro e leasing. Negocie com fornecedores: Consiga prazos de pagamento mais longos e melhores condições de compra. Considere o mercado de capitais: Explore a captação de recursos através da emissão de ações ou debêntures.

This subject is somewhat basic but practically, improving a company's credit worthiness does not happen overnight. Improving a company's creditworthiness demands proactive measures. Maintain a healthy financial profile, pay bills promptly, reduce debt, and cultivate positive relationships with creditors. Transparency and consistency in financial reporting also build trust. Ultimately, demonstrating stability and reliability enhances creditworthiness, unlocking opportunities for growth and favorable terms.