Pieteikties bankas aizdevumam vai līzingam

Kad izmantot

The company needs borrowed money and has decided what for. Not for deciding *whether* to borrow — that decision comes out of money.cash-forecast-13w. Not for grant money — use money.grant-application, the paperwork and the reporting duties are different. Not for renegotiating an existing loan — that is a new run of this playbook with the existing agreement as an input.

Pirms sāc

• Purpose and amount range are decided by the owner, not the agent.
• The last closed month is reconciled (money.month-close done) — lenders read the latest figures.
• The company register extract is current, or the agent can fetch it from ur.gov.lv.
• The owner has named which lender goes first. Applying to several at once is allowed, but each

Ko izpilde pieprasa6

Ceļš9 soļi

1. S1

   Assemble the figures packaģents

   Pull from the money module: balance sheet and P&L for the last two closed years, the current year to date, the 13-week forecast, and the debt list (every existing loan, leasing, overdraft, with balance and monthly payment).

   Izdarīts, kad one document contains all of it, each figure traceable to the ledger.

2. S2

   Draft the applicationaģentsvajag apstiprinājumu · īpašnieks

   Apstiprinājums · S2 · īpašnieks — izpilde apstājas, līdz nosaukts cilvēks ieraksta lēmumu

   Write the standard set: purpose, amount, requested term, what repays it (which revenue or cost saving), existing debts, and the collateral the company can offer. Attach the figures pack and the register extract.

   Izdarīts, kad the draft is complete and the owner has read it and named anything to change.

   ⛔ Do not round the numbers "to look cleaner" — every figure must match the ledger exactly.

3. S3

   Choose the lender and the askīpašnieksvajag apstiprinājumu · īpašnieks

   Apstiprinājums · S3 · īpašnieks — izpilde apstājas, līdz nosaukts cilvēks ieraksta lēmumu

   Compare 2–3 candidates on rate range, arrangement fee, early-repayment terms and whether they lend for this purpose at this size. ⚠ jāpārbauda each lender's current terms — public price list, checked on the day.

   Izdarīts, kad the owner has named the lender, the amount and the term.

4. S4

   Submitaģentsvajag apstiprinājumu · īpašnieks

   Apstiprinājums · S4 · īpašnieks — izpilde apstājas, līdz nosaukts cilvēks ieraksta lēmumu

   Send the application through the lender's channel (branch, relationship manager, or online form).

   Izdarīts, kad the lender has confirmed receipt with a reference number, recorded in the loan register.

   ⛔ Submitting to a third party — always behind the S3 approval, never the agent alone.

5. S5

   Answer the lender's questionsaģents

   Lenders typically ask for bank statements, tax-account statements (vid.gov.lv), asset valuations or explanations of single large movements. Collect each answer from the ledger or the source system — never retype from memory.

   Izdarīts, kad the lender confirms the file is complete.

6. S6

   Read the offer backaģentsvajag apstiprinājumu · īpašnieks

   Apstiprinājums · S6 · īpašnieks — izpilde apstājas, līdz nosaukts cilvēks ieraksta lēmumu

   When an offer arrives, extract into one table: amount, term, interest rate (nominal and effective), all fees, repayment schedule, collateral required, early-repayment terms, and any covenant or condition.

   Izdarīts, kad the table exists and the owner has seen it before any signature.

   ⛔ The effective rate, not the advertised nominal rate, is what gets compared.

7. S7

   Check the offer against the planaģents

   Enter the monthly payment into the 13-week forecast and the 12-month plan. Show the owner the worst forecast month with the new payment included.

   Izdarīts, kad the owner has confirmed the payment is affordable on the worst month, not the average one.

8. S8

   Signīpašnieksvajag apstiprinājumu · īpašnieksneatgriezenisks

   Apstiprinājums · S8 · īpašnieks — izpilde apstājas, līdz nosaukts cilvēks ieraksta lēmumu

   Neatgriezenisks solis · S8 — aģents to nekad nenoslēdz viens

   The owner signs the agreement and, where required, the collateral documents — a pledge over the asset or property is registered (for immovable property, in the Land Register; ⚠ jāpārbauda the exact registration step and who files it — the lender's lawyer normally does). Signatures per documents.sign-with-eparaksts.

   Izdarīts, kad the signed agreement is in the documents module and the money has arrived, or the asset is delivered.

9. S9

   Record and set the watchaģents

   Enter the loan in the debt list: amount, rate, term, monthly payment, next payment date. Set a reminder five business days before each payment date and a calendar note for any fixed-rate expiry. Link the run to the goal the loan serves (bc goals add or the existing goal). If the application is refused, record the stated reason and stop here — the owner decides whether to retry elsewhere.

   Izdarīts, kad the loan is in the debt list with its payment reminders and rate-expiry note, the run is linked to its goal, and a refusal is recorded with the stated reason.

Pārbaudes — kā zinām, ka izdevās

• Every figure in the submitted pack matches the ledger (spot-check three, read back the source).
• The effective rate in the signed agreement equals the rate in the S6 table.
• The first payment date and amount in the money module match the schedule.
• The debt list shows the new loan and the 13-week forecast includes its payment.

Ja noiet greizi

Ko atstāj katrs solis

1. S1one document contains all of it, each figure traceable to the ledger.
2. S2the draft is complete and the owner has read it and named anything to change.
3. S3the owner has named the lender, the amount and the term.
4. S4the lender has confirmed receipt with a reference number, recorded in the loan register.
5. S5the lender confirms the file is complete.
6. S6the table exists and the owner has seen it before any signature.
7. S7the owner has confirmed the payment is affordable on the worst month, not the average one.
8. S8the signed agreement is in the documents module and the money has arrived, or the asset is delivered.
9. S9the loan is in the debt list with its payment reminders and rate-expiry note, the run is linked to its goal, and a refusal is recorded with the stated reason.

Ko saglabāt

The submitted pack as sent · lender reference number · every lender question and the answer given · the S6 offer table · the signed agreement · the pledge registration number, if any · the S9 debt-list entry · the owner's approvals in S3, S6 and S8 (who, when).

Kā šī procedūra uzlabojas

After every 5 runs ask: days from ask to submission, and which step waited? How many lender questions could have been answered in the first pack? Did any offer differ from the discussed terms? Did the worst-month check ever get skipped? A new version changes the step that caused the wait or the skip, and says so in its change note.