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

What is being financed?
Determination of investment requirements
Determination of financing requirements
Determination of the financing components
Liquidity planning and calculation of debt servicing capacity

Selection of financing partners

Private bank, savings bank or development bank?
Obtaining offers and conditions on the market

Loan application and documents

Submission of necessary tax documents, such as annual financial statements
Preparation of a professional business plan
Cash flow forecast and evidence of debt servicing capacity
grant applications, if applicable

Credit assessment and rating by the bank

Bank assesses creditworthiness and future viability of the business
Assessment of the collateral to be provided
Calculation of the loan interest rate

Lending

Bank reviews loan granting from a regulatory perspective
Preparation of the loan agreement
Agreement on the collateral to be provided
Signing of the loan agreement

Payment and use of funds

Payment in instalments or as a lump sum, depending on the contract
Submission of evidence of intended use

Capital servicing and credit monitoring

Payment of interest and repayment at agreed intervals
Monitoring of loan repayment by the bank
Regular transfer of tax documents to the bank
Special repayment or debt restructuring

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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Interested?

We look forward to hearing from you:

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