What can we do for you? We are happy to prepare or check bank documents or your calculations. Because we know how bank financing by your preferred partner works.
Bank financing continues to be the most important finance component for small and medium-sized enterprises (SMEs) in Germany. A survey by “Deutsche Bundesbank Euroystem” provides evidence. There are a large numbers of domestic and foreign banks that market their financial services in different ways.
Bank financing for small and medium-sized enterprises (SMEs)
How attractive is house bank today? Which fiscal framework conditions affect companies?
On the one hand, the banks place high demands on the quality of the documents to be submitted. This happens due to modern credit processes, which above all aim to optimise risk management and the distribution of finance products.
On the other hand, it makes good business sense to ensure the long-term profitability of investments. A calculation based on realistic planning premises is a valuable tool for this.
We are happy to assist you in organizing the finance needed for the realization of your investment project. We create or review the documents you want to submit to your preferred finance partners.
Bank financing is changing massively
Why rely on the house bank? How does the medium-sized company benefit from financing advice?
Small and medium-sized enterprises (SMEs) who are planning an investment usually contact their bank. That’s basically good. Because trust lowers transaction costs, there are benefits for both sides. Nonetheless, the banks succeed in using the customer’s investment in their favor. Although the house bank outsources the risk of investing largely to the middle class, they price high risk premiums into the interest rate.
Therefore, let us advise you. Get more offers. Do not rely on the long-term relationship with the house bank. Especially with investment financing, you are bound to the contracts in the long term.
As a result, you realize advantages: better terms, secure & flexible financing, mutual dependency. In addition, you keep strategic options open because we also think systematically about financing and hedging risks. The suitable financing means you have a long-term freedom to act.