Project 1 — Loan Structure Analysis for a Small Business
A distribution company with 12 employees faced an effective annual rate of 24% on a loan of 150,000 lei, and cash flow was impacted by high monthly payments. The goal: reduce total costs by 15–20% and improve repayment capacity.
We conducted a detailed audit of commercial debts and built a custom calculation table. We identified two variable-rate loans and proposed a refinancing strategy with a partner bank, plus renegotiating terms with suppliers.
We consolidated two credit lines into a single fixed-rate loan at 11.5% over 4 years. We adjusted payment terms with three main suppliers from 30 to 45 days, freeing up working capital. All changes were documented in a repayment plan.
Total interest costs were reduced by 18% (annual savings of 8,400 lei). The monthly payment dropped from 4,200 lei to 3,450 lei, and repayment capacity improved by 22%. The company reported a 4% increase in operating margin in the first quarter.
Real experiences from credit structure analysis
„We reduced annual borrowing costs by 18% after the detailed audit of our loan portfolio. I confidently recommend StashLoan's services.”
„The refinancing strategies course gave us a clear action plan. Now we have a 2.3% lower interest rate on our main loan.”
„Managing trade debts was a challenge. With the help of the StashLoan team, we optimized payment terms and improved cash flow.”
„The repayment capacity assessment helped us secure a more favorable credit line. The process was transparent and well-documented.”
„I learned to identify hidden loan costs. The practical course was exactly what I needed to make better financial decisions.”
„The trade debt audit revealed savings opportunities we hadn't considered. The results were immediately visible.”