The rating is an opinion on the ability of a company to pay its debts and therefore its reliability finance. This assessment takes into account various indices, qualitative and quantitative, including: the quality of the individual company and its industry, the movement of the accounts, the use of credit lines , the scoring assigned by the Central Risk , as well as the financial statement results . Acting on these factors, companies can improve their credit rating and therefore have a quick access to credit and enjoy better economic conditions. Find out how!

Ensures the balance between financial resources and third party. Check in the budget that the ratio of debts to banks and equity to be approximately 1 to 5. Take action, where possible, with capital increases, capital grants, contributions, participation loans or other forms of self-financing.


Keep below the 4% incidence of the cost of bank interest. Check how much they weigh the interest expense on sales and whether this depends on the excessive debt or interest rates are too high. Possibly renegotiates the terms of credit with the bank , strengthens the trust in the short term or enter (if possible) new equity.

Choose the medium-long term, because compared to exposures in short, allow you to spread over time the reimbursement and cost less Talk to your bank advisor and renegotiates at least part of short-term loans on the basis of a medium- or long term.

Check that the assets are lower than the long-term debt and shareholders’ equity. Care to fully justify to the bank any increase in inventories or receivables, but care with attention to the collection of receivables. You can solicit payments, granting discounts in exchange for a timely completion.

Use overdrafts and current accounts in a manner consistent with the things you do, not exceeding in the movement. Status must be an emergency remedy, justified by a temporary liquidity. Should this happen, try to settle the situation quickly, to avoid that the bank considers your abnormal behavior. Always choose carefully the form of financing suits your needs. In the case of trust, it may be useful to redefine the amount that has proved insufficient. Ideally, you should never use more than 70-80% of the granted credit.

Avoid outstanding customer feedback. Choose carefully your partners in business, also according to their punctuality and solvency and where there is a risk of unsolved, act in time with reminder letters. Divide your customer base and submit to your financial institution only the part that guarantees your solvency.