This page is optional and can to some extent be redesigned according to each banks requirements.

Example 1 automatic calculation

In this example the Total limit and Unsecured limit for the applying company is calculated by Capitex Business loan calculation engine. 

Case

A company is applying for a new loan with amortization and has one existing loan before the application. The case consists of below

  • 1 new business loan 2 000 0000

  • 1 new collateral (deposit) with a security value of 1 000 000

  • 1 existing business loan 1 000 000

  • 1 existing collateral (bank gurantee) with a security value of 500 000

This input will be calculated as seen below:

"Övriga inom kundgrupp" / "Others within group" is data that is manually entered by the agent and/or sent to the calculation from another system at the bank via API. This is the total limit and unsecured limit that the group has in your bank. In the above example the Total limit is 10 000 000 ande the Unsecured limit is 1 000 000 than the presentation regarding Co-limit will be presented as below:

"Förändring, övriga inom kundgrupp" / "Changes, other within group" is entered if there are other limits that is being changed at the same time by for example another application in your bank and you need to manually adjust the limit for the group. For example one company within the same group applies for a new limit of 2 000 000 and 750 000 is Unsecured it would be presented as below:

Example 2 - manual input

There is another version of Samlimitering/Co-limits that is completely manual but the recommendation is to use the one above where Capitex Business loan makes the calculations regarding Total limit, unsecured limit, Security value etc

If the company applying for financing directly or indirectly via subsidiaries, parent companies, etc. already has a loan / limit with the bank, these must be taken up. Register information in the white fields and these are compiled into credit pm

  • The field "Motpart" / "Counterparty" where you fill in the company name of the company that has the financing.

  • Limit is the total financing limit that the company has regarding loans / recourse limits.

  • "Utnyttjat belopp" / "Amount utilized" - is how much of the funding has been utilized at the time of application.

  • "Sökt förändring" / "Applied change" - where you fill in whether the existing limit is to be raised or lowered with the credit decision made in this particular case.

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