20 precise steps penetrate the debt in bank 6

3. Credit Defect
“Defect of credit" meant here is performance bad credit in other financial institution or bank. Bad track record credit in bank will become the crucial factor determining readiness of financial institution or other bank to accept you as one of its debtor.
Its core, if in this time you have owned the credit, take care as well as possible performance your credit as accomplished credit. Even have problem, finish soon and prove that you not potency become the debtor re-have problem.

4. Changes the other information and financial statement
Change financial statement is usually done with a purpose to make the condition cash flow applicant of credit seen fluent and profitable.
But, on the other hand, changes exactly will return to become harm, because:
(a) bank can " read" unnatural of financial statement of your business, by comparing various ideal indicator a type ofbusiness, plus cross check to any party related to your business, and
(b) Opened falsehood - again- drags you to bad assessment concerning character. And if have shall to it, that mean you have close the bank door for yourself.

5. Don't have depended
Your business may not depend on one key person, but nor may depend on some supplier and buyer. Depended can make the your business hit by " heart attack" which has sudden character and kill when the partner withdraw from your business circle. You'd get dificulties, and threatened company wheel desist.
Bank will not take the big risk, if possibility there will be enough potential happened.

6. Fluctuate the plan
Don’t to be not consistent in the case development plan of your business. If you have considered carefully and specify will apply the credit for plan A, consistent with the plan. Positive input, as long as strengthening for plan A, please be permeated.



Which is not suggested is, when you have protested the credit, you think more good use the plan B. When bank try to accommodate the change, you change over again to plan C which is very differ from the plan A and B.
What is in mind officer of bank? You are not tenacious people, not consistent, easy to affect, and cannot committed. Very possible if credit have given, you’d easily transfer its use to other business activity. Even it is possible use for outside business. And it is very bad in bank mind.


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