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Against Funding Guarantee: ok!

My news is accelerating ...

I received email confirmation of the guarantee agreement for the cons of both SLA and the Regional Council. Yippee!

Okay there are still some steps to signing but I think this time I finally spent a gear and it goes forward.

soon for more

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Some clarity!

A quick word to tell you again that I had verbal confirmation of the regional council this time, the SLA guarantees cons + CR would be accepted.

is a relief after two months of waiting ... I think it's "box".

I'm waiting now return to the bank and the loan offer.

As expected we will appeal the decision of the DDTEFP Mont de Marsan regarding the refusal of Acre.

We will also formalize the transferor that we exceed the time limits.

And, more importantly in my view, the prospects remain strong at MDC.

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The end of the tunnel?

This week has been very positive because I got during my visit on Thursday the verbal agreement of OSEO for the cons Sofaris warranty at 50%.

(Even after the day has started disastrously by the use a car loan which was polluting and had difficulties to double trucks (max 110 km / h flat out downhill!), plugs worthy of the Paris region and the final 2:20 for a trip that normally do not ask than 1:15 / 1:30 is delayed 30 minutes for this key event ... For me who am always very punctual and had early, starting at 7:10 for an appointment at 9:00) .

The meeting was very constructive and I thank the team for having me OSEO (what they normally do not) and listening and hearing the arguments put forward.

To meet the criteria desired by OSEO Sofaris, I modified the funding by tracing the particular vendor credit in the holding company (by doing so I reduce the amount of the loan) and blocking a substantial amount (under the mounting global) current account in the operating company (which reinforces the existing cash and reassure them of my commitment and secure funding for recovery) .

This change does not bother me because it is reassuring to all partners and if I need further financing that I would seek approval to OSEO Sofaris to unblock the money.

The Regional Council should also act against collateral at 20%.

I would definitely set next week when the bank confirmed the facts have me now because it is what makes the link with others.

intervention OSEO Sofaris and Regional Council reassures the bank and will decrease as the amount of my personal guarantee (30% of total a priori) .

The only downside is the rate charged mini currently 4.77% ("Trichet threshold") + 0.84% (memory "margin" OSEO / CR) + margin of the bank (to be negotiated !?) .

It starts to make "cheap" but since I decreased the amount of the loan by 16% the additional cost is minimal compared to my initial simulations.

I should finally see the end of the tunnel next week and hopefully I can finally announce that my funding!

As I will most certainly fall behind on the transfer of shares Tuesday I see my lawyer to formalize this delay and also to review the other elements. In parallel

whole family prepares the move which is expected the week of July 23, my oldest daughter lost her first tooth, and is considering the color of her room.

Continue to contact me via Viadeo or by leaving comments on this blog, I will continue to do my best to respond to your questions (based on my experience and my knowledge of course!) .

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Funding for the resumption of business

Tonight, after all this time spent in developing the funding application, to refine hypotheses, to minimize the results to present income statements as "realistic" as possible tonight so I do not definitive answer regarding the financing of my recovery!

I learned this week OSEO Sofaris had refused to guarantee against on the grounds that the company had (I quote from the feedback I've had phone) a continuation plan (ongoing since 2000 with 6 maturities were settled in cash and 2 non-cash current ...) and a repayment capacity insufficient to meet the loan recovery.

When you hear that answer the phone after 6 months to have worked on the feasibility of taking over the business, it must be strong to want to continue undeterred! (for the fans buyers , Keep the faith at all times!)

That's what I did, determined to not give up!

I immediately made contact with the Regional Council to see if they had more information than me.

Hilary Ditch reminded me quickly, saying that a priori the case happened to be validated in OSEO Sofaris did not include the estimated (shame to have spent hours working on the study market ... and re-injury for the 5% growth assumed for the forecast 2007 but will become 10% in late September on current trends ...) .

Thursday I will present this time a complete dossier (including the backlog in mid-June and Billing 2007) OSEO Sofaris to try to get the response against collateral.

it is unpleasant to have to justify himself instead to devote his energies to the development of the company!

Do not ask Mr Sarkozy why TPE and French SMEs do not grow and that our economy is so bad.

We are thousands of entrepreneurs to give you a responses: lack of support (making minimum risk) when requesting funding!

Still, the bank continues to believe in the project and support me in my approach. I should be thanking the time comes. (you'll know which one it is when I finally finished the financing)

In fact, I also thanked "my" transferor for his support in this difficult phase.

Fortunately it's there and it confirmed my decision to send me the business when the dead-line exceeded. His support is crucial. He promised to write a "ticket" when we completed the sale.

great week and see you soon.

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Grand gap

past few weeks I am poised between two lives, between regions, between two worlds.

A balance increasingly difficult to maintain, as I am attracted by the new life arises.

I'm almost every other week since March 19 in Aquitaine region either from twelve weeks.

And, during these twelve weeks, every two weeks, I continued to make progress in the implementation of my project in the company, met with customers, suppliers talked, exchanged with employees, working on products, the website ...

And for six weeks, my wife managed the household alone ...

And every two weeks, I packed my bag on Sunday evening, I settled away from home, have not seen my daughters, then I redid my suitcase on Thursday evening and came home on Friday evening at the "house" and spent the next week in the Paris region ...

Besides, what is now my "house"? That in the Paris region which has been sold and we will leave at the end of July? That in the suburbs of Bordeaux that we just bought? The one where I just spend the last week and when I return in a week?

I do not regret these changes, I just want you to finger the implications of the takeover of a company outside the region in which we live.

I started presenting my project to banks on April 24 and obtained the first positive verbal feedback (except those that are negative of course occurred earlier) yesterday after six weeks.

Certainly I did not choose a folder "easily bankable" (no risk) , so it makes sense that decisions are more difficult to take. Despite

(through?) weeks of spin and responses that are slow, I'm still confident that its "good" business: one in which I see myself and my appreciation that exists!

I am now a contractor, and I look forward to completing the financing and switch permanently to the status of an entrepreneur!

I also look forward to leaving the Paris region, which even if I spent 19 years, will not leave me a lasting memory with its constant stress, its traffic jams of any kind, its concrete and pollution.

At this time next week to answer definitely a positive bank.

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Obtaining ACCRE and acquisition company

Returning Friday evening of Bordeaux I found a good recommended for withdrawal from the DDTEFP Mont de Marsan .

I was expecting mail. I have not taken the time to get to him because I have 15 days to withdraw the Post Office. It will wait for my return I think I know what it contains. A priori

ACCRE I have not been granted under the pretext that I is a holding company for the resumption of business and I do not buy back shares "live".

If so, I will of course appeal as compared to I have read, including PACE :

"The recipient must exercise effective control of the company, that is to say
or hold more than 50% of capital (alone or Family (*) with at least 35% as staff) or be an officer in the company and hold at least 1 / 3 of capital (alone or with family (*) with at least 25% as staff) provided that another partner does not own directly or indirectly more than half of the capital. "

http://www.apce.com/index.php?rubrique_id=11513 & dwt _id = 106 & amp; amp; type_page type_projet = I & = 1 & param = 0

This is not dramatic in absolute terms but I do not understand the reasoning behind this refusal.

I will join my lawyer about how to appeal.

nice Sunday.

PS. Good news: we found a house in Cestas !

PPS I'm still waiting for the return of banks consulted for funding. Patience, patience ...