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Kiwi Kosmic Kosmetic Case Study Commerce Essay

Our squad analyzing on Kiwi Kosmic Kosmetic instance survey which is a fabrication and retailing natural cosmetics and skincare merchandise.After analyzing and reading the all individual facets of the instance survey we found that our client Meredith has some job with the works and the equipment at her work topographic point. Ministry of wellness and Transit examine that our client demand to reconstitute the concern and she besides need to replace the equipment and it can be done merely by puting the large sum of money.


Primary Source

Bank sum-up

From the information received from the bank and the interview held with the director we come to cognize that if Kosmic kiwi Kosmetic wants to use for the loan so they are eligible for it. All the fiscal records and the image of Kosmic kiwi Kosmetic qualifies them for loan application. The bank can supply them with $ 5 million loan @ 4.7 % P.A. The clip continuance will be 10 old ages. There are some conditions and policies which mention the conditions in which what action will be taken if the company fails to pay the loan sum. The chief actions which need to be maintaining in head are as following: –

If the company fails to pay the sum of bank loan so the company will be overtaken by the bank and all the assets will be under the bank and will be sold to retrieve the sum of the loan.

In instance if after selling all the assets, sum is non recovered so bank is eligible to take over the personal plus of the proprietor of the concern.

Finance sum-up

The information received from the planetary finance company our squad come to cognize that our client can use the loan through the bank and finance company. We can raised the money in two manner first we can use the $ 5 million loan through the bank and remainder of the sum we can raised through the planetary finance company and they willcharge 4.5 % of the whole sum for acquiring you the loan from the bank. The loan would be passed through the finance company and will be issued under company name.

Secondary Beginnings

Key words



Legal rights and duty



SWOT analysis


RestructuringA is theA trade managementA term for the act of reorganizing the legal, proprietary, operative, or other constructions of aA companyA for the intent of industry it more profitable, or better organized for its current demands. In concern there are so many grounds to reconstitute the concern like to alter the ownership or ownership construction of the concern. ( Pomerleano & A ; Shaw, 2005 ) .

Business can non be restructured as defined in the Employment Relations Act 2000 unless the affected employees ‘ employment understandings contain ’employee protection commissariats ‘ . So if your employees do n’t presently hold employment protection commissariats in their employment understandings, you will necessitate to infix these before you can reconstitute.


In administration alterations are made merely in reaction to alter in the external environment. Changes ever occur when concern schemes or major subdivisions of concern administrations are reformed.

Harmonizing to Kurt Lewin “ Change does n’t run in a vacuity but within an synergistic system which itself is within a wider environment ”

The procedure of alteration is besides helped through a procedure of detecting or being in the system and researching what works and what does n’t. ( Green, 2007 ) .Change can be hard for employees to accept, but understanding why the alteration is go oning and what the alteration is average for them can dramatically better their receptivity to the change.By actively pull offing the alteration the terminal consequence is that employees become productive in the new environment more rapidly.

Harmonizing to Shaw ‘s theoretical account “ alteration is seen as both complex and evolutionary ” . The get downing point for this theoretical account is that administration is non equilibrium ( Blake & A ; Bush, 2009 )

Legal rights and duties:

Under the Employment Relations Act 2000, Legal rights and duties in concern in New Zealand are those where their employer is a contractor and they lose a contract to execute services and the contract is granted to another concern, or where the concern for whom the contractor is executing the work decides to set about the work in-house.

In New Zealand if any concern is to be restructured, the employer must:

notify all the employees whose work will be affected

give them relevant information about the restructuring state them that they have a pick whether to reassign to the new employer and the day of the month by which they must do that pick.

During the execution of restructuring and reorganisation procedures, there are a figure of legal and conformity issues associated with restructuring. Taking early advice can guarantee you have the right program and tools to reconstitute your concern whilst resulting legal demands are met ( Smith and Partners, 2011 )

Legal advice and scheme

Tools to run meetings

Template letters

If the company will alter the ownership from exclusive proprietor to partnership than there will be some legal alterations. Both exclusive proprietaries and partnerships are straight linked to the personal fundss of their proprietors. Neither construction is a legal entity. All operations, capital revenue enhancement duties and liabilities are the duty of the proprietors. In add-on, a spouse may go apt for the actions and debt of other spouses. As both constructions lack the legal separation a corporation provides, an proprietor ‘s personal assets are vulnerable if the concern falls into debt or legal problems.


Calculations is used to happen out the sum estimated edifice cost for a peculiar undertaking, in this portion of our undertaking we need to cipher the about cost of constructing that we are traveling to reconstitute in northland part. The estimated edifice costs generated will include GST at the rate of 15 % .

Building type

Light commercial 414 m2 industrial.

We decided to retrace the edifice in 600m2 floor country.

After gauging that we got 777600 cost values and it ‘s include 15 % GST.

Its agencies we are acquiring 1296 $ per square metre.

Constructing cost =777600=0.76 million

Equipment cost = 1.2 million

So we need 1.96 million to restructure concern.


Finance is the procedure of making, traveling and utilizing money, enabling the flow of money through a company in much the same manner it facilitates planetary money flow. Money is created by the gross revenues force when they sell the goods or services the company produces ; it so flows into production where it is spent to fabricate more merchandises to sell. What remains is used to pay wages and fund the administrative disbursals of the company.

Support is a tool to pull off fiscal hazard in an effectual and timely manner. It provides you with an in-depth apprehension of capital construction and the funding options available to companies and covers the of import countries of pay-out policy, amalgamations and acquisitions and corporate restructuring.

The first portion of the programme focuses on the application of derived functions in corporate finance scenes: existent options, hazard direction and optimum gearing.A The 2nd partA dressed ores onA the of import countries of dividend policy, amalgamations and acquisitions, corporate restructuring, fiscal hurt, the security issue procedure, and long-run fiscal planning.


We had several conversations and treatments late about the restructuring concern. As advisors we have been seeking toput together all the information from primary and secondary resources.Some jobs were encountered when bespeaking holiday due to what is perceived as long blessing waiting periods.


In footings of parametric quantities our client got some jobs in her concern. There are three chief parametric quantities, which are money, clip restriction and legal issues.


In our client instance finance is the chief job. She had deficiency of finance to run into up the demand of reconstituting the company. Estimated cost of restructuring is $ 1.9 million. in this instance finance is basic job. Every individual measure to be taken needs fiscal support, they have to put up works and machine, edifice and all other undertakings ca n’t be accomplished without aid of finance.

Legal Issues and duties

Unless there are contractual limitations, Courts ever favour employer to do concern more efficient and to acknowledge the right of the employer to reconstitute the concern by the manner employer thinks tantrum. Our client has 60 employees, and to reconstitute, our client have to considerjustification of the Information and Consultation of Employees Regulations. Harmonizing to ( Rudman, 2009 ) under these ordinances, workers can appeal that the employers draw up acontract to advise and entree them about foremostconcerns impacting the concern, such as restructuring. When the company will alter into limited portion company, she will lose the right to make up one’s mind and will hold to move like other workers.

Restructuring has revenue enhancement and lawful complications, so our client will necessitate the aid of adept professionals. To reconstitute company, our client demand to do certain that she is following all relevant enrollment processs such as audience, notice, just choice standards and redundancy bundles. If our client want to take loan and investor money both than Banks and other loaners may necessitate extra warrants.

Possible Solutions:

Fiscal solution

After ciphering the exact sum of fund required by our client for curtailing the concern we start working on the solutions and best possible manner to set up the financess. We found out two best ways to garner the needed fund and our beginnings were



We conducted an interview with ANZ bank director. We give the brief description of our client instance and inquire some inquiries related to what we were looking for. Bank director said that the bank can merely O.K. the loan of $ 1.2 million on the name of company at 4.5 % p.a. for continuance of 10 old ages. The bank approves all the inside informations of company provided to them. After taking the loan of $ 1.2 million still 0.79 million is left which we will finance through planetary finance company and they will bear down 4 % of committee of entire sum financed through them.

With these two solutions our client would easy garner the sum required for restructuring.

Option 1

Our first option for the client isInvestor. As per the financess demand, our client needs amount $ 1.96 million to reconstitute the concern and bettering the entree to the premises. To work out this job, one of her international client offering her $ 1.4 million in order to go a portion of her concern, so this will be the first option for our client. If she accepts the proposal of investor she needs merely $ 0.56 million. We selected this option by utilizing SWOT analysis, provided by Albert S Humphrey. With the aid of this theoretical account we focused on the Strengths and failing of the company at present state of affairs and besides in future after accepting the intent ( Willlson, 2000, p.178 ) .

Option 2

Our 2nd option is Bank and finance company to assist our client. We conducted the interview with the ANZ bank director and bank is ready to O.K. the loan of $ 1.2 million at 4.5 % for 10 old ages continuance. And rest 0.76million will be applied through finance company by giving them 4 % of entire sum.


Option 1

If we will propose our client to travel with option one that is accepting investor proposal. This can take to several consequenceswhich can be positive or negative both. With the aid of SWOT analysis we found that what manner these can impact our client ‘s company. Even if she will accept the proposal of $ 1.4 million from the investor, she can non acquire rid from the job. We found some advantages and disadvantages of accepting this proposal. This will assist us to take the best solution from both options and find where alteration is possible. A new chance might open wider avenues, while a new menace could shut a way that one time existed ( Willlson, 2000 ) .


The company has a legal being offprint from direction and its members.

New stockholders and investors can be easy assimilated.

If our client accepts the proposal she does non necessitate to take loan of $ 1.96 million from bank.

Fiscal security that comes with concern. The Company ‘s stockholders will merely be apt for any debt the company accrues harmonizing to the degrees of their ain investing and no more. This can supply a comfy feeling of security for investors in the Company.

The investor is foreigner so her company can turn in foreign market and it will increase the productiveness.

New direction will give new thoughts.


If our client accept proposal of investor she has to reconstitute company. She will lose her authorization and privateness.

The net incomes of the concern must be shared.

Company may loss repute in society due to alter in direction. It will be really difficult for company to maintain the trust.

New direction may be making struggle in thought and hold in determination because of the alteration in internal environment of company.

Our client has to portion her secrets expression.

Option 2

As a portion of our Primary Research we concerned with Bank and Finance company.A reconstituting through loan is normally expensive but can be a pick in the favor of our client and a preferred replacement to financialdisaster. The chief costs related with a concern restructuring are the clip and attempt to negociate with bankers and creditors.


Our client ‘s authorization will be safe and she will stay the determination shaper.

Our client ‘s good will and repute would stay under her name.

The proprietor pays revenue enhancements on income from the concern as portion of his or her personal income revenue enhancement payments

Our client ‘s secret expression would be safe with her.

She needs to pay loan in 10 old ages. So she has adequate clip to come over the jobs.


Merely one hazard seems so far under this option is if the company failed to pay back the loan, all the assets and the concern would be taken over by bank.


Preferred solution

We studied both the options, used job work outing theoretical account and listed out the benefits restriction of each option. After traveling through all possible issues and analyzing both option we decided to rede her to travel with 2nd option, which is to travel with Bank Loan and Finance Company.

Actions necessary to implement this solution

Tell employees and workers about the approaching alterations and make some schemes so that the internal procedure supports on traveling.

Apply for bank loan of $ 1.2 million

Apply for finance from Finance company for $ 0.76 million.

Supply all the needed fiscal paperss to bank and finance company.

Get a grip on hard currency

Get understanding from your board and bankers to the program

Negotiate with creditors for decreases of the sum she need to pay back.

Develop a fiscal and organisational program ( turnaround program ) .


The ground why we suggest this solution to our client is that, this solution suits best to our clients instance with minimal hazards and more advantages. If she will travel with this solution there will be no loss of authorization for concern and her repute. Her good will would be under her name. There would less fear within the employees for menace to occupation. If she takes this measure, the merely menace to the company is that if the bank loan will non be paid so bank may over take but if she goes with this measure her privateness, authorization and good will would be safe with her.

Hazards are portion of concern so she had to take that much hazard if she wants to transport on the concern because this solution left her with less disadvantages but more advantages.

Signatures of squad members

Gurpreet Kaur Bajwa

Dharmishthakumari Chauhan

Pooja Verma

Gurinderjit Singh

Sanjay Sobti

Appendix: Undertaking Proposal


Undertaking intent and ends

In this undertaking our squad research undertaking aims to place the nature and range of the managerial job outlined in this instance analyze “ Kosmic Kiwi Kosmetic A ” and through aggregation, bite and analysis of both secondary and primary research by squad members, to happen and measure possible solution.

Problem definition

The job for our client in this state of affairs involves that harmonizing to the Ministry of Health and of Transit New Zealand, Our client has some safety job issues with her works and equipment at her work topographic point and it can be solved merely by immense investing of money in new works and equipment.

Problem issues

After group treatment we notice some positive and negative issues that are related to the job.

Negative facet

Her equipment and works are outdated and old as compared to the increasing production.

Not precise research lab and proper waste disposal processes.

Needs immense sum of money to put in new works and engineering.

At same clip she found an international investor but at the cost of restructuring of her company.

She has besides job to take determination whether or non to accept the investor ‘s proposal of restructuring.

After reconstituting the CEO will be of his pick.

Employees fear alteration and when they are scared of being downsized, it can impact morale. In many of these moves, companies have to let go of some of the work force. This can impact the trueness of employees and it could ache the company in the long tally investor ‘s pick.

Positive facet

She is successful, affluent and socially responsible adult females.

Her company is existent plus to the community.

She has ability to actuate her staff and acquire the best out of them.

If she will reconstitute her company, it will better working conditions and overall wellness and hygiene.


We are traveling to analyse the state of affairs of Kosmic Kiwi Kosmatic and seeking out the best solution. In this instance the company can non be continued in current state of affairs. It has to be know that what precisely the job is, we used different techniques as follows


The construct of brainstorming was introduced by Alex Osborn.Osborn offered a theory of the stairss involved in the originative procedure, depicting it as “ a stop-and-go, catch-as-catch-can operation. The intent of a brainstorming session is to work as a group to specify a job and happen a program of action to work out. The primary regulations of brainstorming are that any thought or count how hideous are worthy of reference and no rating of thoughts take topographic point until full list is generated ( Sproull, 2001, p.48 ) .

We decided that we will read the instance survey separately to place the job. We are five members in our group and four members identified that our client has wellness and safety issue with the works and our client has to put the money in her concern to set up the new works and equipment. One of our group member said that our client besides has a job with her determination devising because one of her international client has offered to go a major investor if she agrees to reconstituting the concern and in that state of affairs she ca n’t able to take the right determination whether she has accept the offer or non. So after the group treatment, we decided that Health and safety is the chief job for our client at the work topographic point which can be solved by merely the investing. So this method helps us to happen out what is exact job in the Kosmic Kiwi Kosmetic.

Elaborate on the definition

In 1983 Buzan introduced the head function technique with many applications and lucubrate on the definition. One of the methods of head function is to pull the thoughts and ideas procedure. The rules of elaborate on the definition have few thoughts which are easy to understand and the best manner to larn it by pattern.

After the group treatment we decided touse this technique that will assist us to place the job that our client facing at this phase. We prepared assorted options that will assist our client to clearly place the jobs. We choose this technique because there can be more than one job definition, more than one right reply, and more than one position from which to see a job.

By following this method we have two options that we can rede our client whether she wants to reconstitute the concern or non. We will look over the advantages and disadvantages of this alteration and this will assist us to happen out of import issues that need to be resolved foremost. By utilizing this technique we can acquire more options to work out the jobs.


Primary beginnings will providefirst-hand information and direct grounds which help us to work out our client fiscal job. Our client needs the fiscal support for restructure the concern and for the replacing of the wellness and safety equipment.

Team member


Gurpreet Kaur

Bank director

Sanjay Sobti

Finance expert

Pooja Verma

Account expert, web page


Sproull.B. ( 2001 ) .Process job resolution: A Guide for Maintaince & A ; Operations Teams. Productivity Press.

Beecroft.G.D. , Duffy.G.C. , & A ; Moran.J.W. ( 2003 ) . The Executive Guide to Improvement andChange. ASG Quality Press.

Willson.G. ( 2000 ) .Problem Solving.Kogan Page Publisher.

Mind Tools ( 1996 ) .Appreciative Inquiry: Solving jobs by looking at what ‘s traveling right. Retrieved from

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Whetten.D.A. & A ; Cameron.K.S. ( 2011 ) . Developing direction Skills. New Jersy: Pearson Education.

hypertext transfer protocol: //

hypertext transfer protocol: //


Our group members collected informations from assorted sources.Before this we did meetings and divided subjects with each other in order to make a clear and consistent theoretical and practical model to back up sound solution development.

Team Member

Topic/ issue focal point

Datas beginnings

Pooja Verma

Calculate the cost,

Problem Solving Model

Web sites,

Book ( ProblemSolving. )

Gurpreet Kaur

Finance information

Bank policies, finance policies

hypertext transfer protocol: //

Dharmishtha Chauhan

Advantages and disadvantages of restructure

Book ( developing direction accomplishments )

Web sites

Sanjay Sobti

Legal rights and duty for restructure

Web sites

hypertext transfer protocol: //

Gurinderjeet Singh

SWOT analysis

Book ( Process job work outing )

Website hypertext transfer protocol: //


Schemes and tools are really utile in concern. They help us in job resolution in concern. This portion of the undertaking proposal presents schemes that our client can follow, and specific tools that we can utilize to work out job and can propose appropriate solution.

Problem work outing theoretical account

There are many different job work outing theoretical accounts. In this instance survey, we are utilizing analytical job work outing theoretical account to work out the job of Kosmic Kiwi Kosmetic. Effective job work outing depends on a methodical and logical move toward and it involves at least four stairss, which are as below:

Specifying the job


Implement and follow up on the solution

Evaluate and choose an option

Generate alternate solutions


Identify the advantages and disadvantages and restraints



Identify the of import standards


Define the job:

Harmonizing to Beecroft, Duffy & A ; Moran ( 2003 ) this involves naming a state of affairs so that the focal point is on the existent job non merely its symptoms and we did by utilizing encephalon storming technique and lucubrating the definition of job. In the instance survey, Kosmic Kiwi Kosmetic, have a several job like wellness and safety job, reconstitute the concern, investing in equipment, and her company besides need a sophisticated research lab to go on her concern and she is besides confronting the job with a major determination whether she accept the investors demand or non. But the chief job we found in this instance survey is that Meredith black has a job with equipment and works. So define the job measure help us to happen chief job of our client.

Generating options:

The 2nd measure is to bring forth alternate solutions.This requires proroguing the choices of any one solution until several options have been proposed ( Sproull, 2001 ) . As per our instance survey we think that this measure will assist us to make the replacements and doing schemes that will assist us to exemplify from the assorted expanded option and it will beneficial of additions chances in job resolution. By making this we will able to acknowledge better and move on the best possible concern pick. It will do certain us that non good thought is left unnoticed. Brainstorming techniques we already used and this will assist us to bring forth the options in this phase.

Evaluate and choose an option:

The 3rd measure helps us to believe about the advantages and disadvantages of the proposed option before doing the concluding choice. An exact replacement will work out the job without doing other unexpected jobs. In this instance survey, our client has chief job of wellness and safety and to work out this job she needs to make investing. She has one offer from investor, this is one direct option. But by utilizing this measure, we will propose her better option for the solution of the job.

Implementing the solution:

The concluding measure helps us to implement and follow up on the solution. Implementing any job solution requires understanding to possible struggle from those will be affected by it ( Beecroft, Duffy & A ; Moran, 2003 ) . In this instance survey before implementing any solution, we will travel through all stairss and after that we will implement our solution.


We are discoursing the other techniques that will be utile in job work outing theoretical account. The theories that we will utilize as other direction techniques are Appreciative theory and SWOT analysis.

Appreciative theory:

This theory was established by David Cooperider and Suresh Srivastva, this theory highlights the positive part made by employees and uses the company ‘s strengths to alter organisations ( MindTools, 1996 ) .It besides means to detect and happen out better to understand, and will do useable to happen new potencies.

The application involves a four measure procedure that includes: placing the positive, group brainstorming, planing plans based upon best patterns and put to deathing the thoughts. This theory will assist us to analyze positive facets and strength of her company. This theory will assist us to bring forth options in 2nd measure of our job work outing theoretical account.

SWOT analysis

There is besides SWOT analysis, which helps in problem-solving. The SWOT analysis is a utile tool for apprehension of any sort of state of affairs in concern. SWOT analysis was provided by Albert S Humphrey. SWOT analysis came from the research conducted at Stanford Research Institute from 1960-1970. SWOT is an acronym for Strengths, Weaknesses, Opportunities, and Threats and it is besides utile in brainstorming meetings ( Willlson, 2000, p.178 ) . In SWOT analysis Strength and Weaknesses show the internal environment means the present state of affairs inside the company as similar factors associating to merchandises, profitableness, public presentation, quality, people, accomplishments, trade names, services, repute, processes, substructure, etc. Opportunities and Menaces are the external environment of the company as similar markets, society, civilization, engineering, media, jurisprudence etc. These factors tend to be in the hereafter. After re-construction, Kosmic Kiwi Kosmetic will travel under tonss of alterations. By maintaining this tool in head, we can choose the best option in the 3rd measure of our job work outing theoretical account.

Undertaking Plan

Scope of




Resources Needed

Possible barriers

Schemes to

overcome barriers



thirtieth Oct.

Book ” Developing direction Skills ” by Whetten.D.A. & A ; Cameron. K. S.

Different positions of the group members

Brainstorming and amplification on definition techniques.

Division of undertakings

30th Oct

Group treatment and communicating between the squad members

Absentees of squad members

Contact with squad members who were absent in group treatment

One of the

member will happen out the virtues and demerits of restructuring

5th and 6th November

Book ( developing direction accomplishments )

Web sites

Lack of practical cognition.

Wholly dependent on theory

we will utilize SWOT analysis tool to work out this probem

One of the squad member visit the bank and will roll up information about the concern loan

6th to 12th November

Bank policies, finance policies

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Lack of funding cognition

We will run into the bank director and will acquire the information.

One squad member happen out the legal rights and duties for restructuring

13thto 19th November

Web sites

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Lack of cognition of legal rights and duties

We will seek online about the legal rights and duties of restructuring.

Other squad member will make the computations of approximate cost restructuring

19th to 20th November

Bank policies, finance policies

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Less cognition of computations

We will make some online hunt and will take the aid from the books

We will do concluding study to present to client

26th November

Our group study with solutions

client may non be satisfied

We will form the meetings with client and do them satisfied and get the better of the barriers.


Thankss for your involvement in ANZ. Hope the undermentioned information will assist you with your appraisals.

What are the policies and conditions for Bank loan?

Ans. There are basic and certain policies for using for bank loan. There are different rate of involvements for different types of loan. In your instance it ‘s a Business loan. There are certain policies for concern loans and the concern had to go through through all the conditions for using Business Bank loan. Following are some conditions which concern should go through to use for Bank loan: –

Business should hold a good repute.

Reason for using loan should be clear and sensible.

Business had a good net income ratio in last 10 old ages.

Business should be running more than 10 old ages.

What is current involvement rate on Business loan?

Ans. Current rate applied on Business loan is 4.95 % , but in instance if the loan is for a heavy sum so the involvement rate may change depending upon the concern repute, it can be decreased to 4.50 % .

Which paperss are required before using Bank loan?

Ans. Following paperss are required before using bank loan: –

Appropriate concern item clear uping what sort of concern is.

Proof of concern.

Information about Owner/Partners.

Fiscal record of concern.

Net income record of last 5 old ages.

What is the clip continuance to pay back the loan?

Ans. fundamentally it depends upon the sum of the loan but largely the clip period for concern loan is 5 old ages.

Is Kosmic kiwi Kosmetic eligible to use for loan?

Ans. After holding brief intro about the company and the ground for loan are just plenty to do them eligible to use the loan. They have good record and repute.





Hi Students, in GLOBAL FINANCE we provide best solutions for your job. We hope that all the information provided by us turn out to be utile for you. After traveling through the information given about the company and the crisis traveling on with the company we come up with following information and possible solution for you.

What can be the solutions you can propose to the job for the Kosmic Chinese gooseberry Kosmetics?

Ans. After cognizing the job of the company following solutions can be applied in the instance: –

Taking loan from the more than one as the sum requires is really immense to be generated from individual beginning.

Take two different types of loan, Business loan for major portion of sum and a personal loan for little portion under proprietor name.

Which solution is the best and more effectual?

Ans. Best solution for the company will be to take concern loan from two different Bankss of two different values.

Why this solution is best and more effectual?

Ans. The ground why we suggested this solution is that, it ‘s the lone manner to bring forth that sum and secured besides. In instance if they take two different type of loans so it can be really hazardous, particularly for the individual owing the personal loan.

What are the advantages and disadvantages of this measure?

Ans. We did non see many disadvantages instead than hazard of failure in wage back and advantage of this measure is that the sum can be easy generated and secured excessively.

What will be your charges for availing the beginning?

Ans. We will bear down 4.5 % of the whole sum for acquiring you the loan from the bank. The loan would be passed through the finance company and will be issued under company name.

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