Assed-based loans for more liquidity
There are possibilities to raise a loan on your mobile fixed assets (machines, tools, etc.) and your current assets and receive cash immediately. This can be interesting for you in growth phases. But it can also help you in an uncomplicated way if you want to reschedule debts or need liquidity for reorganization measures.
External financing: loans, deferral & debt waiver
If you don’t get far enough with , external financing is an option. The options for external financing essentially consist of , or or . There are various forms of long-term financing that do not necessarily have to come from commercial banks. There is also the possibility of , a , a or a .
More liquidity through interim financing
There are situations in which you see a positive medium- to long-term perspective, but are currently heading for a liquidity bottleneck. In such cases, you do not need long-term financing, but interim financing. Example 1: You want to switch your business to a business model that promises more returns or more stability. For the changeover, …
Current account line: Temporary extension
In cases where you only need a manageable liquidity support, but your business is actually healthy, a temporary extension of your current account credit line is an option. Talk to your business customer advisor at your credit institution and explain the exceptional situation you are in or see your business heading towards. The better you …
Deferral of Accounts Payable
One way to finance your business in an advanced stage of liquidity crisis is to ask to defer existing accounts payable. You need courage to take such a step. Normally, you operate within existing contracts and agreements. Especially in special situations, be aware that you can also break out of these conventions. If you can …
Restructuring/reorganisation loans as financial support
If your company has fallen into economic difficulties and you have an idea of how to get it back on track, provided you receive financial support, please read on. Your commercial bank(s) should finance your business throughout a restructuring process if possible, so that you can succeed in a sustainable turnaround. It is a difficult …
Conventional Interim Financing
The assessment of your ability to restructure will take time that you may not be able to bridge with the liquidity available to your company. In such cases, commercial banks often help their customers with manageable interim financing until a decision is made on a comprehensive restructuring loan. Ask your business customer advisor about such …
Basic security through long-term financing
Long-term financing for your business makes more sense than short-term financing for a number of reasons. First, long-term financing provides you with comfortable basic financial security. With long-term financing, you are more likely to fulfil obligations on time, i.e. all liabilities are covered by their maturity date at the latest. Adherence to payment deadlines is …
Long-term bank loan: The classic loan
A common form of long-term financing is the classic bank loan. Estimate how much of your business should be leveraged over the long term. Because long-term bank loans are more favorable than short-term financing, such as an overdraft facility, try to cover these long-term borrowing requirements on a long-term basis. Talk to your bank’s business …
What is mezzanine financing?
Have you ever thought about mezzanine financing? The term “mezzanine” already indicates that it is a form of financing that is located between debt and equity. Mezzanine financing can be executed in the variant of an equity mezzanine. This corresponds to a silent participation of third parties or value-securitized profit participation certificates. The former can …