Four C's For Materiaux Boisvert Business Conditions: Pending Legislation: Company is currently asking for an increase in their line of credit form 1.6 million to 2.2 million. Economic Conditions: Seasonal and cyclical sales patterns: - Retail sales were slowest during the winter months, particularly in January and February. Peak periods occurred in May and June, with highest sales in May. - Retail sales were not adversely affected by economic swings. - Industrial market remained strong during the …showed first 75 words of 322 total…

…showed last 75 words of 322 total…place in the business and the loan was renegotiated from 3.2 million to 1.6 million.. - Age of payables seem a little high. (93 days) -increasing - Return on Equity ratio has jumped 9.0% - Making money back at 11.0%. - Acid Test is very low - not very stable. High risk.. - Interest coverage is low, therefore there is a higher risk for lenders.- Going to need collateral - Equity Financing might be the better decision. ------------------------------------------------------------------------ **Bibliography**