With the oscillation of the economy, for many times the micro and small business needs to adapt to the current situation and often the market situation makes the entrepreneur make some mistakes, and as a consequence the debts.
At this point the impression is that it is possible to go out by resorting to several banks in the search for credit lines to obtain loans to heal or adjust the cash.
The thought seems correct, but erroneous.
The truth is that banking institutions make use of an interconnected system, administered and supplied by the Central Bank of Brazil (BC). In this system, banks have access to data and various credit information from the proponent, ie all banking institutions are able to know exactly what the credit concessions were, and also who gave them to a particular CNPJ or CPF.
This information device that banks use is only for credit analysis and registration , and even if it did not exist, take credit, financing and loan in banks for companies are usually required some guarantees of credit, goods such as – real estate, automobiles, motorboats and in many cases guarantors / guarantors are necessary for the granting of credit .
Let’s think a little, imagine that every time you need to raise money for your company, put a good as collateral, there will come an hour that there will be no more goods to compromise. A common fact that remains in the forgetfulness of the entrepreneur is that a good can not be given as a guarantee more than once.
But what am I going to do with my outstanding business debts?
Even if it is painful, the most viable solution is to look for the creditor bank, place the cards on the table and inform them that you do not have the financial capacity to make the payments, in which case you ask your account manager to renegotiate the outstanding debts. be the best strategy.