It's not enough to get credit: you have to know how to manage it.

Getting credit is just the beginning. What truly defines the impact of financing on your business is how you manage it after it's granted .

Many companies make the mistake of viewing credit as disposable income rather than as a strategic responsibility that requires constant monitoring, financial discipline, and proactive communication .

📉 What happens when you don't follow up well?

• Loss of credibility : If you don't submit reports on time, violate covenants, or raise doubts about the information, the financial institution begins to lose confidence.

• Additional costs : Being late on interest or principal may result in penalties or higher rates.

• Real risk of being called on your credit : In serious cases, the bank may demand immediate payment of the debt, putting your business operations at risk.

  
  

📈 What if you do it right?

• You build trust : When you comply with reports, covenants, and timely payments, you demonstrate professionalism.

• You become a trusted customer : Banks begin to see you as someone they can do long-term business with.

• You get better terms : It's easier to renegotiate, extend your lines, or receive support during difficult times if you have a solid credit history.

  
  

🛠️ Good follow-up means:

• Report clearly and in a timely manner : provide financial information when requested, with well-structured data and coherent explanations.

• Monitor financial covenants : understand which indicators you are required to comply with and periodically review that you are within the agreed upon requirements.

• Paying interest and principal on time : It may seem obvious, but payment discipline is the first filter of trust with a bank.

• Maintain constant communication : If there is a significant change in your operation, it's better for them to hear it from you before they see it in a financial statement.

  
  

🤝 A bank is not an enemy, it can be an ally

When you manage credit well, the financial institution stops being just someone who gives you money and becomes a strategic partner . That's when you can build a relationship that accompanies you in your growth, supports you through difficult times, and is there when new opportunities arise.

At Valoryium, we help our clients not only get the right credit, but also follow up with financial intelligence , so that it becomes a valuable tool, not a source of stress.