Agarwal

 Agarwal Composition

On August 30, 06\, Agarwal Ensemble Company Inc., applied for a $200, 000 loan through the main workplace of the National bank of New York. The applying was submitted to the bank's commercial financial loan department. Gupta, the Leader and Primary Stockholder of Agarwal players, applied for the loan in person. He told the loan officer that he had experienced business seeing that February 1976, but that he had extensive prior knowledge in floor and carpets and rugs since he previously worked because an individual service provider for the past 20 year. Most of now, he had worked well in Frankfert and Michigan. He finally decided to " work for himself" and this individual formed the corporation with Fruit Hook, a former co-worker. This information seemed to be like Dun and Bradstreet report obtained by bank According to Gupta, the purpose of the money was to assist him in carrying his receivables right up until they could be gathered. He discussed that the floors business needed him to invest considerable funds to purchase supplies but his customers will not pay until the job was done. Since he was relatively new in the business, this individual did not think that he can compete if he had to require a significant deposit or perhaps payment before hand. Instead, he could quotation for higher profits, if he were willing to wait until completion of the job for repayment. To show that his operation was appear, he included a list of buyers and assignments with his loan application. He also included a list of current receivables. Gupta told the loan officer that he had watched his firm's financial position closely and that he had financial reports well prepared every six months. He stated that the might send a duplicate to the bank. In addition , he was willing to file a personal financial statement together with the bank.

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