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Hayate BelkhouHB

Hayate Belkhou

Expert advice on project financing

€750/day
Clermont-Ferrand, FR
15+ years

Average response time: 1 hour

Freelancer profile translated to English.
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About Hayate

Senior consultant in professional financing & financial strategy – 23 years of experience

I assist executives, self-employed professionals, and entrepreneurs in their key financial decisions: financing, project structuring, optimizing bank applications, and strategic support.

With 23 years of experience in banking and finance, including regional management positions, I have a thorough understanding of financial institutions' expectations, negotiation leverage, and the real decision-making criteria of credit committees.

🎯 My interventions deliver concrete and rapid results:
• Securing professional financing
• Improving bank acceptance rates
• Clear and credible financial structuring
• Time and peace of mind saved for the executive

🔍 Areas of Expertise
• Professional financing (startup, development, acquisition, transfer)
• Self-employed professionals (healthcare, legal, accounting, services)
• Financial diagnosis & strategy
• Business plan & “bank-ready” applications
• Support for business transfer

🧩 Method
• Pragmatic, structured, and decision-oriented approach
• Quick assessment of a project's strengths/weaknesses
• Immediately actionable recommendations

⏱️ Intervention Formats
• Express audit (1h)
• Short and targeted mission
• Ad hoc or strategic support

💬 My goal: to help you make the right financial decisions, at the right time, with a clear and secure vision.
  • French

    Native or bilingual

  • English

    Fluent

  • Spanish

    Fluent

  • Arabic

    Native or bilingual

Remote only
Primarily works remotely

Experience

  • Interfimo
    Regional Director
    BANKING AND INSURANCE
    July 2018 - Today (7 years and 11 months)
    Zone d'activités industrielles et commerciales Occitanie, Limoux, France
    Since 2018, I have held the position of Director within a financing company, responsible for the management and commercial development, ensuring profitability in two regions with distinct dynamics.
    • •: over 800 projects studied and 225 million euros in credit distributed annually, with continuous growth, reaching for the first time the symbolic milestone of 200 million euros annually in the region.
    • mmm- since April 2024: the first year marked by performance with 278 million euros in credit distributed, or 653 projects financed with nearly 1000 files studied, a result achieved in the context of building a new, young, and recently trained team, to be united and mobilized to quickly achieve a high level of performance in a complex economic environment. Leading a team of 10 Specialized Financing Managers, ensuring each has the necessary resources for their business development, establishing a sustainable dynamic by creating
  • INTERFIMO
    Commercial Director
    September 2013 - July 2018 (4 years and 10 months)
    Saint-Étienne, France
    The creation of the office
    • • Results from the first year and steady progression over 4 years to reach over 25 million euros in credit distributed.
    • • Significant prospecting work, both in depth and over the long term, has allowed the creation and development of an active client portfolio. Increased market share, enhanced company image, strong contribution to the rayonnement of the INTERFIMO brand among self-employed professionals, being identified and recognized.
    • • Development of a detailed action plan targeting commercial opportunities and competitor analysis to position and adapt to the market.
  • CIC
    Banking Advisor Specialist for VSEs, SMEs, and Self-Employed Professionals
    BANKING AND INSURANCE
    September 2003 - Today (22 years and 9 months)
    Professional financing consultant | Banking strategy & executive support

    I help entrepreneurs obtain financing more easily through a concrete strategic and banking approach.

    After more than 23 years in banking, insurance, and professional financing, I assist executives in:

    • structuring their projects,
    • optimizing their bank applications,
    • preparing for financial meetings,
    • and finding suitable financing solutions.

    I can intervene quickly to:
    ✅ analyze a file,
    ✅ identify blocking points,
    ✅ improve financial presentation,
    ✅ strengthen credibility with banks,
    ✅ prepare a business plan or banking strategy,
    ✅ support business acquisition or transfer.

    My experience allows me to bring a technical, strategic, and operational perspective with clear and accessible language for entrepreneurs.
    Individual Support Client Support Executive Coaching Management Coaching Strategy Consulting

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Education

  • Master's Degree: Business Economics and Finance
    University of Auvergne - Faculty of Economics
    2002
    Maitrise : Economie et finance d'entreprise
  • DESS: Banking and Insurance
    University of Economics and Management
    2003
    DESS : BANQUE et ASSURANCE

Skill set

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