Loan Collateral
To secure the €450,000 loan, Nevado Auzangate s.r.o. offers its existing and newly acquired furniture inventory, along with retained earnings, as collateral. The company’s current inventory was acquired at €258,295 (market liquidation value €125,000), while the newly acquired inventory will be valued at €449,255 (market liquidation value €314,500). Additionally, the company holds €69,135.13 in retained earnings, further strengthening its financial position.
Total Collateral Value: €508,635.13
Collateral Breakdown:
- Existing furniture inventory: €125,000 (market liquidation value)
- Newly acquired furniture inventory: €314,500 (market liquidation value)
- Retained earnings: €69,135.13
Collateral Considerations
- Depreciation & Market Conditions: The resale value of furniture is significantly lower due to depreciation, resale discounts, and liquidation costs.
- Financial Buffer: Retained earnings provide additional security and reduce reliance on asset liquidation.
- Operational Impact: Since the furniture is a revenue-generating asset, liquidation is a last resort to avoid disrupting business operations.
Conclusion
The €450,000.00 loan is backed by €508,635.13 in collateral, ensuring a strong security base for the lender. While the liquidation value of furniture is lower due to market conditions, retained earnings and operational revenue streams provide financial stability, allowing the company to maintain business continuity and execute its expansion strategy effectively.
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