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Yaniv Cohen, owner Yaniv Cohen, owner, economist, married + 3, retail credit officer, retired from the banking division at Bank Leumi Israel. As part of his position, Yaniv was responsible for underwriting and managing retail credit for households and small businesses with Sales turnovers up to a total of about NIS 30 million and bank obligations up to a total of about NIS 10 million. As part of his work, he acquired extensive experience in the field of business and retail credit and knows the field of credit inside out. Since 2012, when he left his job at Bank Fatah Yaniv, he has run ynv finance and helped many households and businesses raise credit Right and cheap while going down to the smallest details and personal attention to each and every customer. Liniv has a lot of experience with a wide variety of clients and he would be happy for you to be part of his clients too. שלמה דהן, יועץ פיננסי שלמה דהאן - יועץ פיננסי נשוי +4 בעל השכלה בתחום המשכנתאות,וניסיון בתחום הנדל"ן הבניה והשיפוצים של כ 20 שנה , כעצמאי בתחומים אלו . לשלמה ניסיון רב כבעל עסק בהתמודדות יום יומית עסקית מול הבנקים . ובין השנים 2018-2022 היה חבר בועדה לעסקים של המועצה האזורית עמק חפר. במסגרתה נחשף לבעיות הכלכליות של העסקים הקטנים והבינוניים בתקופת הקורונה . שלמה שרכש בצעירותו השכלה בתחום החינוך והאמנות ,הוא אדם נעים לשיחה ומבין לנפשו של האדם לא רק מבחינה כלכלית והוא נעזר ביכולותיו אלו מול לקוחות המשרד.

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Financial advice and support Our company provides business consulting and support services to both small and large businesses and entrepreneurs in their infancy. The consultation includes the submission of business plans to raise financing through state-guaranteed loans, social loans and non-bank loans, all in accordance with the client's wishes and needs. Of course, if necessary, we will link the client to professionals from the leaders in their field - attorney, CPA, link to a personal banker, including opening bank accounts for the business, including a line of credit that matches the business's activities. What does the construction of the business plan include? Building a business plan at the start of the business and at any stage the business is in is a very important procedure when many of the entrepreneurs usually skip preparing the plan and act on it The more correct and accurate the business plan is, the higher the implementation and success of the actual plan will be. We meet with the customers, we will collect all the relevant information about the business, the information will include information such as expected revenues and expenses, who are the competitors, what is the differentiation of the business, marketing methods and more , after the research work we carry out in the industry, we build the business plan and the optimal methods of operation that we think are the most important while accompanying us closely. We will map the expected/existing business activity with you, we will find the problems and opportunities in the business according to the financial reports, we will note where to give a strong emphasis, and where to save and reduce costs. The plan we built is specific to the field and branch of the business and is customized for the client. Who are we suitable for? For entrepreneurs who want to start a business For small business owners who wish to grow their results, both in terms of sales and maintaining high profitability. For businesses that need credit, it is difficult to obtain credit at a reasonable price, for businesses without collateral. For businesses that lose money, or do not achieve the results they want to achieve. To schedule a business consulting meeting for small businesses at no cost and without obligation, contact us.

business credit Loans - Business loans are required for many and varied reasons. Starting with buying new equipment for the business, opening another branch, financing working capital and ending with taking advantage of a business opportunity or dealing with an emergency situation. We are looking at providing loans as part of a line of credit that will be placed in the interest of the business and will be part of a long-term relationship with the business owner and the financing body. Factoring - invoice financing . As part of the service, the business owner issues an invoice to the customer for a service or product he provided. If the payment terms established between the business owner and the customer are deferred payment (current +), the business owner can send the invoice to the financing body and this will transfer the invoice amount to the business account immediately. Through an invoice financing service, the business owner can improve the cash flow of the business. Equipment/vehicle financing - Equipment/vehicle financing service Allows a business owner to purchase equipment to increase his production and sales force. The purchase of equipment requires significant sums of money that in most cases are not in the cash flow of the business or in the bank obligation. The financing will be provided against the lien of the equipment/vehicles. currency exchange Foreign exchange services and foreign currency transfers to and from abroad. Today, most of the conversion activity is done in the banking system where the bank benefits from high fees and exchange rate differences. We will perform currency exchange at competitive prices. Receipt of checks (MMD - deferred relay) - Check discounting service means turning a bounced check into cash. Many businesses suffer from cash flow problems, as a result of receiving delayed payments from their customers (current +), among other things through receiving delayed relays. By discounting deferred relays, the business owner can improve the cash flow of the business. Discounting credit card vouchers In a situation where the business made transactions in installments and provided the goods and/or services, it had to wait to receive the money from the clearing company, which is waiting to receive the money from the issuing company in accordance with the payment schedule. We will help it advance the flow of transactions in installments. Buy now and pay later - an alternative to standard credit discount Businesses that sell products and/or services in high amounts (over NIS 5000) can today offer their customers to make immediate use of digital platforms (BNPL*) that provide customers with an instant loan with a high spread, including the option to fully/partially subsidize the interest payments in a way that does not take up a limit on the credit card (Different from a normal credit card payment transaction). BUY NOW PAY LATER*

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tax refunds In these troubled days of instability in the field of employment and the economy, quite a few Israeli employees find themselves during their calendar year of work changing between jobs or working two jobs or even more, signing unemployment, withdrawing pension funds and paying consciously or not Knowingly the income tax is higher than what should have been collected from them. Also, there are many salaried employees who are afraid to turn to the income tax because they see this institution as an institutionalized and threatening body that only wants to collect their money and as a result they are afraid to deal with it. This is where we come in, our goal is to perform all possible actions, within the law, in order to obtain the maximum refund for you. Our team includes the best professionals in the field: economists, tax consultants and accountants with extensive knowledge and experience working with the tax authorities in Israel. The company's successes are mainly due to the experience we have gained and the expertise we have developed in dealing with the salaried public in the economy and, among other things, we have reached collaborations with employers and large labor unions. Our representatives work in close contact with the tax authority teams, which gives us an advantage and allows us room to maneuver and monitor all the stages of the process until the money is transferred from the tax authorities to your private account. How It Works?

Financial planning Over the years we accumulate financial resources in the form of pension savings, assets and sources of capital designed to ensure peace of mind and a stable financial future, especially on the day after retirement. In order to maximize funds, ongoing monitoring and management is required in relation to all channels, including consistently examining returns, utilizing tax benefits, adjusting the mix of investments to the changing market conditions and the other complex elements that are actually the basis for creating a process of economic growth and building financial infrastructures that will be at our disposal at all times. A financial planning department was born out of the understanding that individuals and families, however wealthy they may be, do not know in depth all the rules of the game in the financial world and require the guidance and close management of a professional financial planner in order to create for them an envelope that will ensure effective management of savings and capital sources. Our team of experts provide a holistic response, starting with the map of each client's financial assets, consulting and creative utilization of tax benefits, reducing costs, building an investment strategy and preparing a detailed financial plan for the years ahead that matches the client's needs and preferences. Our company has adopted a base of values of uncompromising professionalism while seeing the sole benefit of the client as a supreme value. Our team of planners consists of professionals who are at the forefront of the financial world and have many years of experience in accompanying individuals and families to achieve financial well-being under one roof. As part of the meeting with our team of planners, we will thoroughly examine your financial situation, map all the capital sources you own and define financial goals that match your needs and priorities. In the next step, we will formulate a short-term and long-term economic strategy while referring to the degree of risk, the distribution of funds in the various investment channels and examining the basket of possibilities for creative utilization of benefits and tax breaks. At the same time and on an ongoing basis, we will exhaust the multitude of ways to optimize and increase the economic infrastructure of the family unit, while fully considering the client's needs and requirements. When we complete the process, our finance team remains by your side the whole way. We will continue to lend in a professional and ongoing manner to ensure that we remain on the pulse and know how to deal with unexpected economic events as well

The difference between an independent mortgage consultant and a bank representative An independent mortgage consultant's role is to represent the client (the borrower) in front of a number of lenders (banks, and other financial entities), while a bank representative works directly for the lender and receives his salary subject to meeting targets (from the Wikipedia website). Hiring the services of our consultants, may with high certainty save a lot of time. As we know, the process of buying an apartment is no mean feat and may even include along the way quite a few meetings with the banks, arduous negotiations, producing forms, sending faxes, pressure and stress, tiring calculations and the bottom line - an exhausting bureaucracy that almost everyone would prefer to avoid. At this point, we help with the day-to-day dealings with the banks, which relieve our clients from wasting time, losing workdays in vain and in many cases throwing significant sums of money in the trash. A clear and distinct advantage of using our services is its ability to save high costs for the customers, which they probably would not have been able to do if they had carried out the process alone. We as consultants have appropriate training, control the material and are knowledgeable in the financial world, which allows us to plan and build for our clients a mortgage loan outline under much more attractive conditions, not before we have, of course, performed a thorough analysis of the financial and professional status of our clients. Our duties do not end at the stage of signing the mortgage. Over the years, various changes occur in our lives, such as an increase in interest rates in the economy or difficulties in repaying the mortgage due to a reduction in household income. These changes make it necessary to consider a process of "mortgage recycling" This concept actually refers to the cancellation of the existing mortgage and taking out a completely new mortgage. In various cases there is a consideration to refinance a mortgage, so it is advisable to contact one of our consultants who will check all the parameters, after which we will recommend whether to refinance a mortgage or stay with the existing conditions. We specialize in a variety of types of mortgages including: A mortgage to purchase a property A mortgage for the self-employed reverse mortgage Mortgage for people with disabilities A mortgage for the purchase of land and self-construction A mortgage for investment A mortgage for borrowers with a low credit rating Mortgage in divorce files, inheritances and complex records

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Correct economy to the new world business credit tax refunds Financial planning Financial advice and support private credit mortgages OUR VISION Contact us Derech Moshe Pliman 4 Azrieli Mall Haifa Phone: 04-8885919, Fax: 04-8885920 Fill in the details and we will get back to you soon There E-mail Topic Leave details Thank you for your inquiry, we will get back to you soon Back up

private credit Private credit (private loan) Our company raises a private loan for its customers under the best business terms available in the financial market, after knowing and examining the customers' needs. We accompany the client starting from the stage where the needs are clear while examining the ability to repay, then we will help him in building simulations for repayment of the loan and finally we will link him with the financing body that is most attractive to him until the loan is received. What types of loans do we offer: ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ Loan for any purpose up to NIS 100,000 A loan is not conditional on the transfer of salary Instant and personalized loan Loan without guarantors and without collateral Loan in a spread of up to 84 payments Loan with ability early repayment A loan is digital and fast Loan for any purpose up to NIS 200,000 Instant and personalized loan Loan without guarantors and without collateral Loan in a spread of up to 120 payments Loan with ability early repayment Loan subject to the approval of the financing body Loan conditional on transfer of salary and/or use of credit card Loan for the purchase of a car up to NIS 300,000 Instant and personalized loan Loan against the encumbrance of the purchased vehicle Loan in a spread of up to 60 payments Loan with ability early repayment Loan subject to the approval of the financing body