Project completed for a food retail network with 3 locations
The company had accumulated non-performing trade debts of over 180,000 RON, with average interest rates of 14.5% per year. Cash flow was blocked by penalties and misaligned payment terms between suppliers.
We conducted a complete audit of the credit structure, identifying 4 loans with hidden costs. We proposed a debt consolidation into a single refinancing instrument with a fixed interest rate of 8.9%.
We negotiated with 3 commercial banks and selected the optimal offer. We configured a loan cost calculation table over 24 months, with monthly updates of installments and balance.
Annual savings of 23,400 RON in financing costs. Payment terms were standardized to 45 days, and repayment capacity increased by 32% according to the final audit.
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.”