Robin Mather Cycles

A Holistic Approach to your Financial Life.

Investment Management

The study, information, and approaches you get are all tailored especially to the tolerance to risks and your targets. Recognizing your short and Long-term financial goals are considered before any recommendations are made

Financial Planning

It could be time for you to alter your property plan or assess faculty savings options. Robin Mather Cycles Associates' financial planning services can allow you to tackle these and other planning problems that come up while identifying the condition of your financial life.

Commitment to Service

Your portfolio isn't stationary and neither are the financial goals--consequently, investment plans will need to be corrected on a continuous basis to keep them satisfied with your newest goals. Review meetings allow you to stay informed of your investment plan.

Debt Syndication

Robin Mather Cycles Instigates and syndicate debt funding for its promising and seasoned associations, such as Central, State Level Undertakings & Private Ownerships. Together with our analytic approach, we determine the best way for funding and providing our customers the chance to keep focus on their company.

Latest News

Unsecured bad credit UK loan guide

credit analysisGetting an unsecured loan is the easiest way to get access to an unsecured UK loan even with a bad credit status. Unsecured loans for bad credit UK has helped many UK residents who, for various reasons, have had past failures with banks and lenders which results in denial of new credit from the same and other lenders. What makes the difference is the fact that unsecured loans for bad credit UK don’t require you to provide collateral eg your home, or car, for your loan to be approved.

In its simplest terms, unsecured loans for bad credit is where you can borrow money from a bank or a lender an in exchange, promise to repay the amount after a certain period of time, along with a fixed interest upon which you will agree. Consequently, the lump sum is handed over to you and you are at liberty of spending it any way you want.notes and coins

Unsecured loans for bad credit UK has gained a lot of popularity in the UK and many banks and lenders are offering. It also has attracted many people seeking credit because oft they’re no-risk nature. As mentioned earlier, unsecured UK bad credit loans require NO collateral in order to be approved hence the name ‘unsecured’. Many people find this convenient and safe since they wont have to worry about losing their assets in case they fail to meet the loans agreement.

Unsecured loans for bad credit are not strict in terms of credit rating. This means that you will have access to the loan and instant cash even when your credit score is poor. In most cases, unsecured loans for bad credit be the only option if anyone with a bad credit score needs a loan from a bank or l ender.

The procedure for applying for an unsecured bad credit loan is quite easy. Before you apply for the loan, determine how much you need, how long you are willing to take before you replay the amount, and perhaps the percentage of interest rate that you are happy with. Once you are done with this, go ahead and apply for the unsecured loan in your preferred bank or in the many online loan websites available in the UK.

After your application is successful and your loan request has been approved, relax and be happy because you have just been relieved of that home improvement or holiday getaway hiccup. Or you could use it to come out of bad credit!

Finally, remember to repay the amount come to the agreed repayment date. Thats it!

With the rising levels of living standards and the high prices of goods and items, unsecured loans for bad credit uk is and has been he way to go.

No credit check payday loans can help in financial emergencies

As it is difficult for a person with a poor credit score to get a loan quickly from conventional lenders like banks, the person is sometimes unable to repay his or her bills in time and the credit score will further worsen. This makes it even more difficult or the person to get a loan in future. So one way for a salaried person with a low credit score can prevent their credit score from reducing further during an emergency, is to get a short term loan from a website like Nocreditcheckpayday.co.uk, which offers quick payday loans to salaried individuals without checking the credit score of the loan applicant after the required information has been provided.

The credit score of an individual depends to a very large extent on the past history of the person, which may be affected by factors beyond his or her control, like a natural calamity, medical emergency or accident. Instead, the lenders atNocreditcheckpayday.co.uk are preferring to focus on the present, while offering a loan to those applying for it. Though no credit check will be conducted while processing the loan application, the person applying for the no credit payday loan should have a job with a specified minimum salary, should be residing in the UK and be above 18 years of age at the time of applying for the loan.

Realizing that many people require a payday loan mainly for small amounts to pay unexpected bills and emergencies, the borrower can apply for a minimum loan amount of 100 GBP and a maximum amount of 2000 GBP. The loan applicant only has to indicate the reason why he is applying for the loan and provide the requested personal information at http://www.nocreditcheckpayday.co.uk/ and his application will be forwarded to the many direct lenders affiliated with the website. Based on the loan amount and other factors, the direct lenders will send their offer for the loan application, which the borrower has to approve, to get the loan amount credited to his bank account.

What you should know about credit analysis?

credit analysis

What is credit analysis?

Credit analysis is simply the evaluated creditworthiness of a business or organization. Simply put credit analysis determines whether or not a company can fulfill all of its financial obligations. Credit analysis is used in a variety of financial transactions, including banks that lend to small businesses or companies that issue bonds. Credit analysts investigate both the borrower and the lender and determine a risk rating. The rating is based upon metrics designed to determine the probability of default by the borrower and the estimation of loss the lender will suffer if a default should occur.

credit analysis

How credit is evaluated?

In simple terms credit is evaluating, by assessing the ability of a borrower to repay a loan, with interest in a timely fashion. Usually for businesses, analysts evaluate borrower’s cash flow statements, balance sheets, inventory turnover rates, market conditions and other factors to determine whether or not a borrower is “credit-worthy.” Often this means the amount of a company’s debt do not exceed its earnings and profitability.

What are credit scoring systems?

Decades of research and development have used various systems to determine scoring credits. One of these models is the univariate; a scoring system that compares various account ratios of potential borrowers with industry norms and trends. Using this approach enables analysts to determine whether or not a particular variable for a borrower differs from the norm in the industry. In turn this is used as indicator of possible future performance for a particular borrower. In today’s financial world, organizations such as Standard & Poor’s and Moody’s provide industry ratios to banks.

What are the 5 C’s?

The five C’s are another set of metrics used to determine a borrower’s creditworthiness. Many of these variables are evaluated before a risk rating is granted by a credit analyst.
Capacity –This refers to a company’s ‘capacity,’ to repay from the businesses’ cash flow.
Capital –The owner’s investment into the company as well as that individual’s risk if the company failed to perform well.
Collateral –This is a guarantee provided by the borrower to the lender as a form of repayment if the loan granted cannot be repaid under the loan agreement.
Character –In short, this is an evaluation of a company’s character or reputation. Much of what is used in this assessment determines the impression of the borrower by the lender. Usually information such as education, references and past financial dealings help to create the company’s ‘character.’
Conditions –This is the particular purpose of the loan. Part of credit analysis is to consider the conditions surrounding the requested loan. For instance analysts look at the particular industry and its conditions as well as the local economic climate and determine possible risks/rewards that may influence the borrower.

What is Financial Risk?

In the industry of finance, financial risk is any type of risk that is associated with financing. Financial risk is a term when used, that people often associate with downside risk. However modern financial risk assessment takes into a count a more complete picture of financial risk. Currently financial risk is determined by the standard deviation of a financial portfolio.

What are the types of Financial Risk?

There are many different types of financial risk; the main risks considered are listed here:
Liquidity Risk – In the event that a company or businesses’ cash flow is inadequate to cover operational costs and the company is forced to stop operation, the institution will face liquidity risk. Liquidity risk essentially prevents a company from trading services/products/assets, because no one in the market will purchase it. Thus liquidity risk is also correlated to credit ratings.

Types of Liquidity Risk:

§ Market Liquidity- This type of liquidity risk examines the market for specific products/services.
§ Funding liquidity- This type of liquidity risk examines the funding and financial-trading activities of the company.
Credit Risk –This is an assessment of the borrower’s default risk. Analysts measure the repayment record/default rate of a borrowing entity, determine market conditions and evaluate default ratios of similar borrowers to determine the possibility that a borrower will default on a loan.
Market Risk –This form of risk focuses on adverse prices or market volatility that affects assets held by a firm or institution. Market risk considers the uncertainty of a financial institution’s earnings as well as its sensitivity to movements of the market. There are four aspects of market risk
o Equity risk — Evaluates the risk that a stock or stock indices price will change
o Interest Rate Risk —The risk that interest rates will rise or fall dependent market conditions
o Currency Risk — Evaluates the risk of currency exchange rates increasing or decreasing
o Commodity Risk—Examines the risk that commodity prices may increase or decrease
Operational Risk — this form of risk involves the possibility that a company or institution will suffer financial losses due human or machine errors. Risks in this category include employee settlements and/or customer liability suits.
Foreign Investment Risk— Rapid and extreme changes pervade the market both domestically and globally. Foreign investment risk evaluates these changes internationally and their causes such as: accounting differences, smaller markets, auditing standards, economic conflict, etc.,

How do I become a credit analyst?

Becoming a credit analyst requires a mind for numbers and formulas. Other requirements include at the very least a bachelor’s degree in statistics, accounting, business or economics. The national average salary for a credit analyst is $48,000 per year. While many find this work rewarding, there appears to be very little variance in pay after ten years of experience.

What is the Role of a Collection Agency in Debt Recovery?

Debt Recovery

If you have an outstanding amount owed, or a bill that hasn’t been paid, there’s a good chance you’ve encountered an agent from a collections agency. And if you haven’t, you may be wondering, what it is that a collections agency does with regards to debt recovery?

This article will explain the role of a collection agency, and how it goes about collecting past due balances on accounts so that you have a better understanding on what you are up against or possibly facing.

Debt Recovery

What Is A Collection Agency?

A collection agency is a third party company, that specializes in collecting money that is owed from a borrower to a lender. Most often, a collection agency is referred to as a debt collector and at times is the middleman between the borrower and lender.

 What Do They Do?

A debt collector, or collection agency, will do whatever it takes to be in contact with the borrowing party so that it can either settle a debt or collect it.

It isn’t uncommon, that a collections agency will renegotiate the total amount due so that each party is happy with the process. The borrower gets something instead of nothing, and the lender pays what it can afford rather than be cleaned out by the agency.

Some agencies buy debt, which can be bought for real cheap depending on the age of the account. The older the debt, the harder it is to collect, which means it will cost the borrower more money to obtain.

On other debts, an agency may pay pennies on the dollar to free up the debt but then go after the lender to make a profit. For instance, a $2000 balance may only cost the collections agency $60-$80 to buy. The more the agency collects, the more it profits, which makes the debt collecting industry a big business.

How Do The Agents Collect?

Debt collectors are very persistent and some will even hire private detectives to gain information on the party that owes. Some agencies will take the party that owes to court and try to get a settlement to garnish wages.

However, it is important to note, that a debt collector can’t take from a check or bank account unless there is a court order.

It is quite common, for a collections agency to gain information from the borrower or some other method and reach out to the lender by phone call or mail.

 The Final Words:

As you can see, collection agencies make money by being persistent and collecting money that is owed to the borrower. They are either paid to collect something, renegotiate a past due balance, or they buy the debt, therefore, trying to maximize their profits through collecting as much as possible.

Each state has a statute of limitations and each state varies with laws. If you think you owe the debt, it is important that you check with how your state operates with regards to debt collection.

Collecting debt is a big money industry, that will continue to thrive for as long as more people are getting into debt. Each year, a study indicates that more people are living in debt, which is great for the agencies that live off it. For the consumer or lender, it’s bad news, as this often means continuous phone calls and repayment request letters in the mail.

Tip: Most debt collectors will negotiate because it’s in the best of each party’s interest to do so. If you can settle the debt by negotiating a lower sum, then you may benefit in the long run by doing so—so that your credit score isn’t negatively impacted.

Services

Initialization

We begin with understanding the business's existing company profile and assess its growth prospects based on the present business circumstance, past trends and future expectations. If needed, we assist it in forming company plan.

Identification

We identify possible investors for our customers who want to increase their present and future worth. We hold initial talks with the traders.

Due Diligence

We run the due diligence practice in the business from investor's standpoint and take out preparatory work (procedural, legal and legal) before equity positioning exercise.

Our Team

Hans Desjarlais

Hans Desjarlais

Global Key Account Director
    Janelle Brandon

    Janelle Brandon

    Investment Advisor
      Eric Kelly

      Eric Kelly

      owner/ President, Financial Strategist

        Contact

        Contact Info

        620-424-5523
        info@robinmathercycles.co.uk
        2602 Breezewood Court
        Ulysses, KS 67880.