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Agadir car rental with JB Cars is a car rental agency in Agadir specializing in car rental for short and long term.

Car Hire Agadir, choose your destination, complete the form on the consultation request (without obligation) and Jb-Cars will attend to offer you the best price car rental in Agadir .
We endeavor to get you an economy car rental in Agadir, no matter where in the world you wish to book. Rates are all-inclusive (depending on destination): basic insurance, taxes, local taxes, VAT and without hidden extras or surprised when picking up the car.
Rent a car in Agadir is very simple, learn more about important city of Morocco its people, its places of interest and its gastronomy journey with us and book your car rental in Agadir an easy, fast and simple.

The agency uses all its means and resources, with the sole aim to please and so the challenge to succeed a strong partnership based on your needs, your requirements and your well-being .

To do JB Cars provides its customers:


- Better performance with excellent value for money.

- A diversified car park in good condition.

- Un personnel motivé et accueillant.

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We hope you enjoy visiting our web site car rental Agadir or you will find all the necessary information to rent a car in Agadir with JB Cars.

JB Cars offers car rental offers that pondent all your needs ..

If You Need Loan For Car Read This Article Below To Find Interesting Things About Loans

External Repayment Sources: Short-Term Loans

If the balance sheet fails to fully convert, a company may seek external sources to cover exposures in the form of new outside debt or equity injections. Thus bankers evaluate a borrowers debt capacity. The key attributes to acquiring new monies are the borrowers reputation, existing capital structure, asset quality, profit-generating abilities, and economic value.

Intermediate-Term Loans

Unlike confirmed lines of credit, revolving commitments/credits (R/Cs) and term loans (T/Ls) involve a legal commitment on the part of the issuing bank. The loans (commitments) are made under a written loan agreement that sets down the terms and conditions of advances. Commitment fees are computed on the average daily unused portion of line, generally % to %. Commitments require a loan agreement containing restrictive covenants

Even with a weak credit, there are still a lot of lenders willing to finance your purchase. If you're having trouble securing an approval, we recommend applying to New Car Canada. They offer guaranteed approval for any type of car loan. Also, they are the best if you are dealing with Bad Credit Car Loans Canada.

Internal Repayment Sources: Long-Term Loans

The main question to be answered is: Does the company have the cash flow to support fixed asset investment(s)? Internal repayment of long-term loans is directly related to historical and projected cash flow quality, magnitude, and trend. Historical cash flow analysis provides a track record of the companys past performance.

The quality of historical cash flow is analyzed by looking at the firms gross operating cash flow (net income plus noncash charges less noncash credits). If the gross operating cash flows are comprised of primarily noncash items, such as depreciation, deferred taxes, or asset write-downs, with a relatively small amount of cash being generated on the income statement, the quality of the operating cash flow may not be sufficient to repay credit. As stated earlier, profits and the sale of assets play a major role in retiring debt requirements, so it is imperative that the bank analysts identify what accounts for the firms cash flow.

The magnitude of historical cash flow relative to growth plans will help to identify the external financing requirements facing the firm. The smaller the cash flow, the greater the debt load required to support long-term growth plans. If, for example, the income statement is not producing enough cash flow to service its loans year after year, the firm is in jeopardy of defaulting on its loans and going bankrupt. Astute loan officers should question why funds are being funneled into a company in the first place if it cant buy assets to produce a decent level of profits to pay back debt.

Historical cash flow trends enable the creditor to determine if the firms cash flows support the decision to go for growth. This is decided by evaluating the companys viability. A healthy company is able to fund a good part its expansion internally. On the other hand, a company suffering from declining cash flows requires the helping hand of debt to expand.

Projections are not intended to predict the future perfectly but to see how the borrower will perform under a variety of situations. It is up to the lender to ascribe an expected probability to each set of projections and to determine a most likely scenario on which to evaluate the borrowers repayment ability. Projections quantify expectations but can never replace a bankers judgment and experience; the mental ability to perceive and distinguish relationships is naturally a PRISM hallmark.

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External Repayment Sources: Long-Term Loans

Lets look at external repayment of long-term (e.g., cash flow) loans. Repayment often depends on whether funding sources are readily available. Consider these questions: What will be the companys comfort level of debt? To what degree will operating cash flow protect debt service? Will the borrower continue to generate good asset quality to attract debt? Will the company sustain its overall reputation? Some credit wells run dry during downturns. If the banks approval depends solely on an external takeout, beware. Consider what Federal Reserve examiners have to say.

  • Explicit reliance on future public market debt or equity offerings, or on other sources of refinancing, as the ultimate source of principal repayment, which presumes that market liquidity and appetite for such instruments will be favorable at the time that the facility is to be repaid;

  • Ambiguous or poorly supported analysis of the sources of repayment of the loans principal, together with implicit reliance for repayment on some realization of the implied market valuation of the borrower (e.g., through refinancing, asset sales, or some form of equity infusion), which also assumes that markets will be receptive to such transactions at the time that the facility is to be repaid;

  • Measuring a borrowers leverage and cash coverage ratios based solely on the market capitalization of the firm without regard to "book" equity, and thereby implicitly assuming that currently unrealized appreciation in the value of the firm can be readily realized if needed; or

  • More generally, extending bank loans with a risk profile that more closely resembles that of an equity investment and under circumstances that leave additional bank credit or default as the borrowers only resort should favorable expectations not be met.


What safeguards or protection does the bank have against default? If a bank is to extend credit to a firm, the level of risk influences the degree of protection lenders generally require. Safeguards can be internal, external, or a combination of both. Internal safeguards refer to financial analysis, while collateral, personal guarantees, and loan covenants provide external protection. Although external safeguards are popular, they usually are not considered before internal protection. Internal protection relates to the borrowers cash power depending on whether the intention of the loan is short term or long term.
Recall that the primary source of internal repayment of short-term loans is balance sheet liquidity, the result of the seasons cash conversion cycle. Internal safeguards of seasonal loans relate to the quality magnitude and trend of cash flows/income statements. The bank just wants to make sure that a seasonal temporary problem does not become a structural cash flow problem in the years ahead. External safeguards can come from a variety of sources: collateral, guarantees, covenants, and syndications and participations.


Collateral is defined as property pledged as security for the satisfaction of a debt or other obligation. Credit grades assigned to secured loans depend on, among other things, the degree of coverage, the economic life cycle of the collateral versus the term of the loan, possible constraints of liquidating the collateral, and the banks ability to skillfully and economically monitor and liquidate collateral. What is its value compared to credit exposure? What is its liquidity, or how quickly may its value be realized and with what certainty? What presumed legal right does the borrower have to the collateral?


A guaranty is a written contract, agreement, or undertaking involving three parties. The first party, the guarantor, agrees to see that the performance of the second party, the guarantee, is fulfilled according to the terms of the contract, agreement, or undertaking. The third party is the creditor, or the party to benefit from the performance


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