Even if the context is a slight recovery, there is still some uncertainty in the economic and financial field for both families and companies. In fact, in 2017, requests for credit from companies decreased slightly compared to 2016 (-2.5%, divided into -1.3% for individual companies and -3.3% for joint-stock companies). ); the average amount requested is also down.
According to Zrif’s analysis, requests for debt renegotiation are falling, an indication of a better state of health of Italian companies that now use more credit to invest and plan the future than for current activities.
Another indication of an economic situation is the commercial reliability of companies: the data recorded in March of this year show a positive trend: the number of companies that are punctual in payments is growing steadily (+ 4.5%), with an important decline in those with serious delays (-10.8%) This means that company payments are more punctual, and delays in settling accounts to suppliers are less and less.
An analysis carried out for the CreditLoaf, moreover, underlines a diversification of the forms of financing : from 2013 to 2017, companies have resorted to “minibond, crowdfunding, direct lending, private equity and venture capital” for a total of 35 billion euros.
An overall positive picture, therefore, that tells us that the Italian business system is finally coming out of the crisis and starts looking forward to the future.
In this context, no less important than commercial reliability, the creditworthiness of a company is a key element for access to credit. A good level of creditworthiness allows an enterprise to plan economic and financial choices with greater awareness, especially in the event that it has to resort to loans to develop its business.