FINANCIAL ADVISORY - ACTIVITIES

Banking relationship management
All relations with banks represent a critical area for small and medium enterprises destined to grow in importance after the new normative on credit loans by Basel 2 Agreements. To trust the banking management to professionals means:

• structure credit lines in a coherent way with real business needs;
• constant supervision of applied conditions and alignment to best market levels;
• business reporting and improvement of credit ratings assigned by banks in order to lower costs.

Investments
Business investments must find the right medium term coverage, ADM thanks to its qualified personnel is able to find the right suitable technical form (mortgages, leasing, medium term loans).

Credit management
The credit management is one of the most critical areas of a company since bad credit makes it hard to obtain any credit lines or loans from banks. The ADM team is able to find the best solution in terms of credit management (factoring) or lowering credit risk (credit assurance, non recourse factoring and full recourse factoring).

Subsidized finance
Subsidized credit is yet little known and used by most of the small and medium enterprises. The access to national and regional subsidized credit is facilitated through continuous assistance offered by ADM from the examination of each single preliminary project, review of requirements, to the right presentation of the project and the demand for financing to the competent Authority.

Overseas trade finance
A growing number of small and medium enterprises are undertaking an international expansion for multiple reasons: new market opportunities, new productive and commercial joint ventures activities and competitive supply prices. Dealing with new countries and new markets with the ADM support means:

• possibility to access a number of specific instruments created ad hoc for enterprises intending to globalise;
• safety import and export activities thanks to assistance with documentary credits and the possibility to guarantee export credits (SACE multi-export policy);
• possibility to allow deferred payments to foreign clients and contextually realize a non recourse basis credit sale;
• advisory on interest rate and exchange rate management;
• exchange rates hedging by using specific derivatives;