Loans
Business financing
New machinery, more working capital or a growth step: we look for financing that suits the rhythm of your business.
Key terms at a glance
- Loan amount
- €5,000 to €1,000,000
- Term
- 12 to 360 months
- APR (depending on credit standing)
- 4.99 % to 15.99 %
Overview
Business loans are aimed at the self-employed, freelancers, small and medium-sized enterprises and founders. Typical uses are investments in equipment and vehicles, pre-financing orders or strengthening liquidity.
Banks mainly assess your company's economic performance. We help you present your figures clearly and also check development loans, e.g. from KfW or the federal states' development banks.
Key facts
- Investment and working capital financing
- For the self-employed, freelancers and SMEs
- Check of development loans
- Term matched to the investment's useful life
Eligibility
- Trade registration or proof of freelance activity
- Usually at least two completed financial years (special rules for founders)
- Comprehensible business figures
- Positive credit check of the company and owners
Typical documents
- Annual accounts or income statements for the last two years
- Current management accounts (BWA) with trial balance
- Investment plan or quotes
- Commercial register extract or trade registration
How it works
- 1
Define the need
What for, how much and for how long? Together we sharpen your financing need.
- 2
Send enquiry
Send your key figures. We'll gather the documents together afterwards.
- 3
Concept & offers
We prepare your plan for banks and also check subsidy options.
- 4
Implement
After approval and signing the funds are paid out – often directly to suppliers.
FAQ
Can founders get a loan?
In principle yes, often via development programmes. A convincing business plan with financial planning is required.
What collateral is required?
It depends on the amount and bank – e.g. transfer of ownership of financed assets, personal guarantees or guarantees from guarantee banks.
How long does the review take?
With complete documents, usually a few days to a few weeks, depending on amount and complexity.
Do the same consumer protection rules apply to businesses?
No. Not all consumer credit rules, such as the right of withdrawal, apply to business loans. That makes a careful review of the offer all the more important.
Calculate & enquire
Adjust amount and term and send your enquiry right away. The financing type is already selected.
Key terms at a glance
- Loan amount
- €5,000 to €1,000,000
- Term
- 12 to 360 months
- APR (depending on credit standing)
- 4.99 % to 15.99 %