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Undertake Magazine July-August 2009 June 2009 Capital

The magazine cites Undertake CREDITRELAX in the article "How to fold the bank".

Link to PDF Article:
http://www.creditrelax.com/creditrelax_images/divers/07-09% 20Entreprendre_1.pdf

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Capital Magazine (No. 213) cited in CREDITRELAX the article "Credit to SMEs is slow to recover."

Link to PDF Article:
http://www.creditrelax.com/creditrelax_images/divers/06-09% 20Capital.pdf

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CREDITRELAX finalizes its 4th record LBO since the beginning of the year finds

CREDITRELAX has just completed its fourth LBO in Paris negotiating on behalf of the buyer Workshops Alain Pras senior debt of million euros from two banks.

The context of this LBO
Alain Pras, founding Chairman of the Workshops Alain Pras (PAA), leading French actor of the design and implementation of business models for industrial and service companies seeking to sell his company. He was in contact for several months with Mark Laubier who wished, after many years in trading rooms to engage in the entrepreneurial venture.

CREDITRELAX entered into relationship with Mark Laubier through the device "Pass the Baton" of the House of Commerce in Paris with two associates CREDITRELAX are regular players.

Laubier Mark was already in contact with the two banks in the target company to apply for a senior debt of € 1 million to supplement a rising tide of cash, convertible bonds for a capital investor and a co OSEO.

"At first, the two bankers of the target were very positive, but one of them was slow to give me his answer, while the other was given a co-financing only up to 450,000 euros, it would therefore miss 100,000 euros, which implied raising additional cash from the target, and thus a tighter liquidity. I am so worried, and sent to CREDITRELAX "said Mark Laubier.

CREDITRELAX played a role in the framework of this approximation
CREDITRELAX obtained a written agreement for a new bank (previously unknown to the Ateliers Alain Pras, seller and buyer) in late 2008 for an amount of 500 000. In early 2009, teams CREDITRELAX received the second tranche of 500,000 euros in early 2009, with another bank.

Both funds have been negotiated at the same rate negotiated with insurance to avoid heavy medical examinations.

Jean-Philippe Deltour, one of the two partners said CREDITRELAX "A purchaser of SMEs is often helpless when it comes to getting a loan. It is naturally addressed to the bank and do not always have the contacts to put banking networks in competition. We know the specifics of each facility and we know that we can present a particular case. We must go quickly in this type of transaction. "

Mark Laubier told about this opportunity CREDITRELAX: "In three days they put me in connection with an institution that I agreed to finance half the project with a lower rate of 0.70%. In one month the financing of the buyout was completed "

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CREDITRELAX spreads more and more important in terms of loans to SMEs

These disparities are primarily related to the business enterprise. Given the various bank fees that add to the cost of credit and can vary significantly from one institution to another, it is essential to consider the overall cost of créditet not just the interest rate displayed.

Some examples of average rates achieved in various business segments: Great

teaches fast food (South West): 3.75% to 4.8%
In this example, the bank ultimately selected by the project leader was pascelle proposing the highest low, but one that has agreed not to block the accounts of associates. The potential savings from payroll taxes amounted to 60 000 €.

traditional restaurant (Paris): 4.20% to 5.15%
Also on this record, it is not the cheapest bank was chosen, but that agreeing to finance without resorting to a bail agency mutual SLA type. Using this type of bond adds an average 0.7 point at a nominal rate of credit. A higher rate without body-cons warranty will therefore sometimes more interesting than low rates raised the cost of the warranty.

Teaches clothing (East): 3.68% to 4.5%
In this case it is the lowest rate that has prevailed. According

CREDITRELAX, should be particularly vigilant about
following points:

Do not just stop at the rate, but analyze the proposal in a banking solution. The rate is actually the opposite of the iceberg : We must be vigilant on all parameters of a professional financing rates, intake, duration, guarantees, warranties, insurance, relays VAT, account maintenance, credit card commission.

rate differentials have been never been more important for 5 years:

- within the same banking network:
For one of the partner banks CREDITRELAX, rates range from 4.26% to 5.00
% over the same region following agencies.
-between banks:
sometimes observed considerable variation: 3.68% to 6.00%.

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CREDITRELAX TPE-on BFM The company

Jean-Philippe Deltour, founding partner of CREDITRELAX invited Stéphane Soumia in "Good Morning Business" April 14, 2009. Podcast Link

http://www.touslespodcasts.com/annuaire/business/bourse-finance/1588-episode459991.html

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CREDITRELAX accompanies the conversion of Teddy Lambert, a young professional rugby player

CREDITRELAX, one of the main players in the brokerage business with over 250 dossiers financed over 4 years, continues its development. The broker just include assisting Teddy Lambert, a young professional rugby player who prepares his conversion in his proposed takeover of a living Esthetic Center.

Teddy Lambert 23 years of professional rugby player in Toulon prepared now his conversion. With CREDITRELAX it finalized in January taking over a salon Esthetic Center in Marseille. On this occasion, he has already hired three beauticians and seeks to recruit a fourth collaborator.

"I urge CREDITRELAX to other young entrepreneurs as the company has saved me considerable time in my search for funding and was able to find the right people in a difficult situation. Just went very quickly for new accounts and for the release of funds. A bet that would not have been possible without CREDITRELAX, "he has said recently. Teddy Lambert now considering opening other centers Esthetic Center.

Partner network of franchisees Esthetic Center, the specialist lending business has been contacted by the new franchisee in research funding. He obtained a firm agreement for its funding through a structured approach:

- Analysis of project feasibility and editing the file search
funding
- Select banking partners best suited to the project ;
- Continuous monitoring of file information and its evolution;
- Negotiating the best conditions a professional loan: amount, level
rate, length of credit, personal guarantees, warranties, insurance costs
account maintenance, credit cards commissions.

Given the nature of the case, CREDITRELAX obtained a loan from the ICC on behalf of his client.

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Can we still put up bank financing for a resumption of business?

In the history of the global banking system, there will be a before and after Lehman Brothers. Indeed

September 15, 2008, this powerful U.S. financial institution more than a century, ravaged by the subprime crisis as most of its competitors, had to declare bankruptcy and lay on the field its 27 000 employees because she no longer had the necessary liquidity to meet its short term and that the Federal Reserve refused to provide it.

That day, all the bankers of the world have realized that they had entered a new era in which they could be sure of anything, and none of their assets, there is also strong, was to from the risk of impairment at a low price if it is zero.

Their behavior would be felt on the field leading to a credit crunch that universal public authorities strive to loosen the tune of hundreds of billions.

Money has become, since last fall, rare and expensive as a result of risk premia.

Or is this not the essence of the entrepreneur to venture into an establishment or resumed without absolute certainty of success? The money he is looking for is not it called "venture capital" by the lenders?

Thus the buyer would be there today struggling with the worst conditions in its search for funding for his project?

The worst is never sure instead try to analyze the opportunities that the "crisis" will allow us to operate in the new context of financing the economy through the banking system.

A return to fundamentals

This is the signal to the market by the bankers in response to the financial meltdown. This means that extensions of credit will become more selective which does not mean necessarily smaller. Indeed, banks can not afford enough of their income from trading floors to power their net bank or their bank details ... Business financing is a necessity for them, not only for the good they expect profitability but also to create conditions for economic recovery that will benefit them in their other activities.

Competition is also an excellent stimulant that has not disappeared with the crisis.

Thus we can say, in light of accepted cases in recent months that the analytical business plans by bankers gives priority to projects where:

- the payback period or ROI is the shorter forecasting medium to long term is tainted with suspicion in the current situation.

- personal contribution the buyer is significant, reducing the need for bank capital and strengthening the commitment and credibility to the buyer that its forecasts.

- taking into account working capital in financing the operation of the target is overvalued because of the uncertainties thrown up by the poor economic situation of the moment, nobody knows how long it lasts. The robustness of accounts receivable and accounts payable is undermined by a pessimistic view of the duration of the "crisis".

- the financing bank pool is promoted as part of an acquisition company, the importance of the banking agreement being facilitated by the division of risk.

The risk premium for good

It will be understood that the banking system will find its future revival in better risk management than it had done previously and it has a tendency to retain the best projects.

The assembly and presentation folders in this view are of course paramount and the selection of banks approached for financing requests.

We can not recommend enough in this regard to the project promoter does not work alone to enjoy the outside view and enriching his adviser. The Contractor shall

more than ever to first enhance its own personality, best suited to the job or know how needed for success, and convince all his contacts during the period of research funds.

Convince the banker of the quality of the man remains the best antidote to his risk aversion.

Ultimately good projects have become less difficult to find buyers and the competition between lenders can be exercised again.

With rates that will continue to decline significantly in the coming months, the contractor may still manage to wrap fine fixtures, greenhouse leverage interesting and attractive financial cost.

In other words: good ... good project funding!

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CREDITRELAX realizes his 12th La Boîte à Pizza funding in Lens

CREDITRELAX, specialist lending business, has enabled the purchaser of The Pizza Box Lens for funding equivalent to 100% of the value of its goodwill. CREDITRELAX led the research funding of his client accepted the proposal LaCaisse d'Epargne, which proposed a very attractive rate and excellent conditions, from those three banks.

CREDITRELAX, which has been directly approached by the prospective franchisee with advice the franchisor, is a partner of The Box Pizza since 2007. This file is the twelfth he gets funding for this network of franchisees, for a total of € 2.3 million, and the second in the Nord-Pas-de-Calais.

With his expertise and his knowledge of banking networks, CREDITRELAX could get the financing that best suits the buyer's request. "With CREDITRELAX, I could get a loan of 100% of the value of goodwill. The other two banks ontactées offered me € 35 000 less. In addition, they have managed to obtain credit from Paris by telephone, without appointment in the bank. This saves considerable time and less stress on a daily basis, especially since we are now stationed in the South of France, "says the buyer.

In obtaining its financing, CREDITRELAX follows a structured approach:

- Feasibility study for the project and putting together an application seeking funding;
- Select banking partners best suited to the project;
- Continuous monitoring of folder and regular information on its evolution;
- Negotiating the best conditions of a loan professional: amount, rate level, length of credit personal guarantee, warranties, insurance, fees for account maintenance, credit cards commissions.

CREDITRELAX is the only broker to offer specialized contractors to outsource their research funding. "Our mission is to assist entrepreneurs in their search for professional and ready to advise on setting up their record. In this case, the buyer had already created a pizza box in the south of France. The bank had lent € 40 000 was blocked, which is very rare. This time, it was not the case, he had a pledge of funds and a bond personal giving, "says Jean-Philippe Deltour, founding partner of CREDITRELAX.

The signing of the sale of The Pizza Box Lens is scheduled for April 15, 2009.

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An increased demand on the part of lenders but still get quality projects funding


A tightening of credit availability does not prevent the financing of quality projects
CREDITRELAX see a tightening of credit availability since only last November, even if relief is largely spared. But any quality project in which the fundamentals are adhered to find solutions and results. Recently, the number of cases remained stable because the free-phase projects of research funding in the last quarter of 2008 had been initiated well before the crisis. It can now be expected to decline in the future: the nervousness in the beginning of this year some candidates should be felt in the second half of 2009.

Stricter criteria
The duration of obtaining the loan agreements has grown to a doubling time in most cases. Furthermore some banks have refused more cases than usual and are sensitive to the rate of contribution which today must be substantially higher. Below 30% of the investment, obtaining financing has become very difficult. Another important point: the need for working capital is revised upward mainly because of forecasts become more difficult on the stocks needed to launch phases. The BFR must be understood differently, it must consider the timeliness of customer payments and the ability to deliver timely supplier payments.

More than ever, there is a real value to banks of good projects in franchise versus an independent solo. With a great brand, known and referenced, banks are more confident. However, on a network with a lesser-known and under development, the banker runs a double risk: the franchiser and the promoter, it is less ready to assume.

Continue to undertake, particularly in the franchise in a more challenging assignment of all loans
quality project in which the fundamentals are respected - and experience profile of project manager in line with the job he undertakes personal contribution sufficient (proof of participation in risk) and financial elements reassuring to find solutions and results. One must also consider the rate cut, which will continue: there are opportunities available in 2009 to undertake.

"The business broker professional is primarily to support the project and properly target the bank. Today we see two points of differences between two banks on certain issues. Unheard of since the beginning of our business four years ago. "Said Jean-Philippe Deltour, Founder and Partner of CREDITRELAX.

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The requirements on banks increase personal contribution and the need for working capital


Do you see a tightening of access to credit for entrepreneurs in the franchise or business associate ?
There is a tightening of credit since last November, even if the franchise is largely spared. That said, any quality project in which the fundamentals are respected - and experience profile of project manager in line with the job he does, providing sufficient staff (evidence of participation in risk) and financial elements reassuring - finds solutions and results. Recently, the number of cases has remained stable since the franchise projects in the research phase of funding in the last quarter of 2008 had been initiated well before the crisis. But you can expect it to decline the future: the nervousness at the beginning of the year some candidates should be felt in the second half of 2009.

What criteria reflected the increasing demands of lenders before the validation of financing plans?
agreements have been concluded have required more time and some banks have refused more cases than usual. As a broker, we went through a period of uncertainty with response times, which often have more than doubled. The requirement of banks on the rate of intake increased. Below 30% of the investment, it becomes difficult now. Another important point: the need for working capital is revised upwards. The BFR must be seen differently because of the forecasts become more difficult on the stocks needed to launch phases, timelines of customer payments and the ability to meet the regulations fournisseurs.Plus time than ever, there is a real value from banks good projects free from an independent solo. With a great brand, known and referenced, banks recoil. However, on a network with a lesser-known and under development, the banker takes a double risk: the franchisor and the project leader.

The activity of a brokerage firm as CREDITRELAX see itself thwarted by the more difficult global environment?
Our job is to properly target the bank. Especially with the current rate differences: today, we see two points of differences on some issues between the two banks. Unheard of since the beginning of our business four years ago. There is another significant data: the use of increasingly frequent mutual guarantee organizations such SIAGI OSEO and to finance a second case a contractor has already made his preuves.Nous work outcomes. We present only the records which we believe. Our selection criteria were already stringent and they are growing, especially on the personal contribution and BFR. We must also consider the rate cut, which will continue: there are opportunities available in 2009 to undertake.

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CREDITRELAX obtained funding for a new franchise chain restaurant La Boucherie

CREDITRELAX Advised by the new contractor was able to quickly obtain a loan of 700 000 € for the launch of its activity. The opening of the franchised restaurant La Boucherie à Marcq en Baroeul is scheduled for next May.

Partner franchise network's The Butcher, the specialist lending business has been contacted by the new franchisee in research funding. He obtained a firm agreement for its funding through a structured approach:

- Analysis of project feasibility and editing of the search for funding;
- Select banking partners best suited to the project;
- Continuous monitoring of the case and information over the water in its evolution;
- Negotiating the best conditions of a loan professional: amount, rate level, length of credit, personal guarantees, warranties, insurance, account maintenance fees, commissions, credit cards.

Given the nature of the case, CREDITRELAX obtained two loans from Societe Generale and BNP Paribas on behalf of his client who had previously suffered the refusal of several banks.

"I contacted CREDITRELAX on the recommendation of a friend of mine who recently opened a restaurant in Compiegne La Boucherie. He had strongly recommended the services of the society to which he had appealed, "said Eric Destobbeleer, the future Director of Restaurant Marcq en Baroeul. CREDITRELAX was able to "organize" my project to better present banks in 1 month and get a firm agreement with their contacts within the banks when my own bank could not satisfy me. And the team CREDITRELAX helped me save valuable time and I recommend their services to anyone wishing to start their own business. "

" We created CREDITRELAX because we know how fragile the contractor is in a period of research lending, especially in the current environment, "said Jean-Philippe Deltour, Founding Partner and Head of the commercial activity of society. "I find that banks are always there to support entrepreneurs but the criteria for analysis have clearly changed. It is absolutely necessary to use a board to mount the folder and find the ad hoc solution truly adapted to the project, "he says.

CREDITRELAX, high added value for entrepreneurs

Get ready quickly adapted to his project
CREDITRELAX positions itself as an ally expert contractors in the jungle of the loan. CREDITRELAX is in contact with all credit agencies could provide a solution for professionals and allows to obtain a faster loan. Devoting his time

where is the value: the development of its project
Through its knowledge of banking networks, CREDITRELAX will find within each organization the right person for each project. And assist the project leader in its efforts. The entrepreneur can thus fully concentrate on his company.

Achieve real economy
by their proximity to the entire banking network and expertise gained over more than 250 projects, teams CREDITRELAX can obtain credit on terms more attractive to promoters.


About CREDITRELAX :

CREDITRELAX is the only broker to offer specialized contractors to outsource their research funding. The company assists the entrepreneur in his quest for the loan professional advice on editing the file and then requesting banks competitive solutions and customized financing.
It addresses all types of businesses (franchises, small-scale traders, professionals, SMEs, SOHO).

Founded in 2005 by Stéphane Kirsch and Jean-Philippe Deltour Creditrelax has already accompanied the funding of more than 250 companies. This operation is the third financing facility with The Butcher CREDITRELAX.

About The Butcher:
The Butcher is a network of 56 franchised restaurants offering quality meats. 49 franchises are in France and the other 7 out of Europe.

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EURL The Model Rules are available! The website

We remember the law of modernization of the economy in particular has adopted this summer introduced a simplified set of provisions from the operation of societies.

And some of these simplifications affect the sole proprietorship limited liability (EURL). Thus, to facilitate the creation this type of society, the law provides model statutes apply automatically to the EURL whose sole shareholder, natural person, took the managers unless the latter chose to adopt statutes pieces and then tabled its application for registration. This type of model statutes has just been published in the Official Journal.

You can read it here , or get it to the Center for business formalities or commercial court responsible for you.

Note: there was already a model statutes for EURL introduced by the Act of 1 August 2005, applicable only upon request of the sole. The new model is replaced. Copyright ©
SID Press - 2009

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www.nosentreprisesnosemplois.gouv.fr

To cope with the financial and economic crisis affecting our country for several weeks, the government developed a plan to support activity designed to enable small and medium enterprises continue to be funded to function as accurately as possible and continue their development.

This support plan is the subject of an extensive information campaign: television spots, publication of advertisements in the press putting ahead of its four key measures (new status of the entrepreneur, reduced payment periods to 60 days, business tax exemption for certain investments, raising 22 billion euros for SMEs) and creation of a Internet portal dedicated http://www.nosentreprisesnosemplois.gouv.fr/ .

This portal provides access to information on each series of measures in terms of support, ie assistance to SME financing, support for investment, simplifying management and creation of companies and status of the entrepreneur. It also allows to go directly to a number of other useful websites to businesses (credit mediator, OSEO, Agency for start-ups ...). Copyright ©
SID Press - 2008