The Firm, including with the assistance of qualified external professionals, evaluates conflict situations between clients and credit institutions, particularly in the following cases:
- anatocism: the application of interest capitalization to interest charges on current accounts and mortgages;
- usury: comparison between the Global Economic Rate (TEG), calculated in accordance with the Bank of Italy’s instructions, and the threshold rates set out in ministerial tables;
- banking rating: identification of procedures to improve the rating class assigned by the system;
- correct application of bank charges;
- correct application of debit interest rates based on local market practices or verbal agreements;
- Correct differentiation between value date and transaction date for entries in account statements.
The Firm assists its clients in formulating potential settlement solutions to resolve—out of court—disputes that have arisen or are emerging between account holders and credit institutions.
The Firm also assists clients in identifying and selecting operating and capital investment incentives, or, more generally, handles the application process for obtaining standard credit facilities.
The firm offers effective support for debt management through:
- Estimation of short-term liquidity risk.
- Planning the use of credit lines.
- Assumptions for the calculation of interest expense.
- Evaluation of financing alternatives.
- Banking consultancy.
Our banking advisory services provide entrepreneurs with the support needed to plan and manage short-, medium-, and long-term financial requirements. This entails defining a sustainable financial strategy tailored to the company’s specific characteristics and objectives.
Our banking consultancy services include:
- Analysis, consulting, and expert assessments regarding mortgages and financing transactions to verify contract compliance and the correct application of stipulated terms, as well as to recalculate default interest and quantify any excess amounts paid.
- Technical assistance during the negotiation phase with financial institutions.
- Management of relationships with financial institutions and their restructuring.
- Sourcing financial instruments and identifying the best market solution based on corporate needs.
- Regional, national, and European incentive programs, subject to availability.
- Simulation model for calculating the income and financial benefits of converting short-term debt into medium- to long-term debt.
- Release of shareholders' personal guarantees and recapitalization of the company.
- Structuring the medium-term funding portfolio by prioritizing—in this order—non-repayable grants, subsidized financing, and standard financing.
- Structuring the business model with a multi-year perspective.
- Implementation of decisions made by the owners and operational execution of the medium-term funding portfolio.