External funding is required if personal capital is not adequate or the enterprise’s rate of return would be increased through external borrowing (leveraging).

As banks with SME funding now have a tendency to earn less and less money, the willingness to award bank capital is decreasing. This trend is continually increasing due to the procurement directives according to Basel II and Basel III. Nowadays banks will only offer you financing if you have good yield or good collateral.

A better effect can be realised in this situation if the factoring in of credit is professionally prepared and carried out. Bear in mind: the access to bank funding is about the understanding of the bank’s way of thinking (who decides what, how and why?)

The form of bank funding that makes the most sense in an individual case depends on the relevant framework, e.g. on financial reasons and the aims of the transacted investment.

Financing is an equation with many unknowns (credit levels, amount paid out, effective interest rates, rate numbers, duration, period of grace, repayment amount, editing fees and additional costs, securities, juristic clauses and stipulations from the credit agreement). We can help you!

It’s always worth taking a look at different banks so you’re not dependent on the decision process of one single bank. Our network within the banking world can help.

Bank financing and sponsorship go hand in hand. The broad range of different forms of sponsorship makes asking for our help a sensible idea.

Another common question: should interest risks and/or foreign currency risks be minimized?

Today a forward loan ensures you an interest rate for credit that you will first take up in the future – an interesting approach!

Offer your clients the financing for your product or your service at the same time (market financing)

We can make the market transparent for you and compile individual financing concepts.

Bear in mind that a bank representative must always act in the interest of the bank. He is paid to get the highest possible credit interest rates and fees for the bank and it’s you that has to pay these costs. In such situations, we can help you negotiate with your bank ‘advisor,’ either at your existing bank or when establishing a relationship with a new bank.

 

If your credit application is denied, we can help you through credit mediation.

 

We can create quantifiable advantages for you!

 

Please call us on +43 1 804 91 92 or

Knowledge check

We can inform you about current opportunities and ways of procuring capital and you can discover the advantages that different financing instruments have to offer. Together, we can decide which of these is right for you.

This service is free – you only have to cover our travel expenses.

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