Services

Finance

04 Debt financing

Utilise financial strength, without giving up any shares.

Not every project requires venture capital; sometimes a strong financial partner with clear terms and conditions is sufficient.

A traditional loan can be just the right instrument for making targeted investments without giving up shares. Strengthen your liquidity and take advantage of the leverage that the bank, as your capital provider, can offer you on your return on equity.

But which form of financing suits your business model? And which terms, repayment arrangements and collateral make sense? We structure your capital base to be solid, strategic and geared towards growth.

"A wise entrepreneur knows when to use his own money – and when to use other people's money."
Jean Paul Getty

Which loan is right for my project?

Debt capital

How we can help

Since banks are not venture capitalists, it can sometimes be challenging to obtain the desired financing. We assist you every step of the way through the financing process and support you in your dealings with the credit institution.

We guide you through these steps:

Financial and investment planning

Ermittlung des Investitions- und Finanzierungsbedarf und die Analyse wichtiger Finanzierungsbausteine, sowie die Planung der Liquidität und Kalkulation der Kapitaldienstfähigkeit.

Selection of financing partners

Es wird entschieden, ob Privatbank, Sparkasse oder Förderinstitut in Frage kommt, und entsprechende Angebote sowie Konditionen werden am Markt eingeholt.

Loan application and documents

Erforderliche Steuerunterlagen werden übermittelt, ein professioneller Businessplan mit Cashflow-Prognose und Kapitaldienstfähigkeitsnachweisen erstellt sowie ggf. Fördermittel beantragt.

Credit assessment and rating by the bank

Die Bank bewertet Bonität, Zukunftsfähigkeit und Sicherheiten des Betriebs und kalkuliert darauf basierend den Kreditzins.

Lending

Die Bank prüft die Darlehensvergabe regulatorisch, erstellt den Kreditvertrag, vereinbart Sicherheiten und schließt den Darlehensvertrag ab.

Payment and use of funds

Die Auszahlung erfolgt je nach Vertrag in Teilbeträgen oder als Gesamtsumme gegen Vorlage von Verwendungsnachweisen.

Capital servicing and credit monitoring

Zins- und Tilgungsleistungen erfolgen planmäßig, die Bank überwacht die Rückführung, erhält regelmäßig Unterlagen und es erfolgen ggf. Sondertilgungen oder Umschuldungen.

With our expertise in financing architectures and our close ties to banks, funding agencies and alternative capital providers, we develop tailor-made debt capital solutions for your project.

Your benefits

Comprehensive advice from start to finish: We will support you throughout the entire process and will be happy to accompany you during discussions with the financing bank.

Access to financing partners: As a well-connected company, we are able to quickly obtain initial feedback from lenders on the project and are happy to act as intermediaries if appropriate.

Planning and calculation: With well-developed business plans and bank-compliant financial planning, you will stand out positively to banks despite their requirements and target orientation.

Taking advantage of funding opportunities: We specifically seek out funding opportunities that complement your financing and are often overlooked by banks.

Monitoring and control: With external controlling and BWA data forecasts, we not only show the bank the current status, but also the future business development and warn of problems at an early stage.

Securing liquidity without giving up shares – borrowed capital makes it possible.

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