Access to Financing
Secure the capital essential to your expansion through a proven support approach.
Banks have traditionally granted loans only when they hold collateral. This culture considerably reduces many entrepreneurs’ ability to access suitable financing to develop their activities and grow their business.
At ABS, we assist our clients in every step they take to obtain the most suitable financing.
Our support approach consists of:
- •Drawing up a clear and structured strategic development plan.
- •Building a rigorous business plan setting out the cash flow and earnings forecasts.
- •Identifying, in a targeted way, the funders who will be interested in financing your company.
- •Actively assisting the client during the negotiation of financing agreements in order to minimise the cost of borrowing.
Access to financing in Tunisia: your questions
What sources of financing are available to SMEs in Tunisia?
Investment or working-capital bank loans, leasing, credit lines dedicated to SMEs, investment funds and venture capital companies (SICAR), as well as grants and benefits provided by the investment legislation. We identify the solutions best suited to your project and your financial structure.
What should a strong financing application contain?
A detailed business plan (assumptions, projected income statements, cash flow plan), the financial statements for recent years, a presentation of the project and management team, and a realistic collateral proposal. An application prepared by a chartered accountant reassures banks and speeds up their decision.
Can you support us in negotiations with the bank?
Yes. We present the application, answer the credit analysts' questions and negotiate with you the interest rate, term, grace period and collateral, in order to reduce the overall cost of financing.
Let's discuss your needs
Our chartered accountants welcome you in Tunis (Centre Urbain Nord, El Manar) and Grombalia (Cap Bon), or work with you remotely anywhere in Tunisia and abroad.
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Our Team