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.

Which loan is right for my project?

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

Debt capital

How we 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

Assessment of your investment and financing requirements, including an analysis of suitable financing options, liquidity planning, and debt service capacity.

Selection of financing partners

Identification of the most suitable financing partner—whether a private bank, savings bank, or public funding institution—and procurement of competitive offers and financing terms.

Loan application and documents

Preparation of all required documentation, including tax records, a professional business plan, cash flow forecasts, debt service projections, and, where appropriate, applications for public funding.

Credit assessment and rating by the bank

Assessment of the company’s creditworthiness, future potential, and available collateral by the financing institution, forming the basis for the applicable interest rate and financing conditions.

Lending

Support throughout the financing process as the lending institution completes its credit assessment, prepares the loan documentation, agrees on collateral arrangements, and finalizes the loan agreement.

Payment and use of funds

Disbursement of the financing according to the agreed terms, either in installments or as a lump sum, subject to the submission of the required proof of use.

Capital servicing and credit monitoring

Ongoing support after financing has been secured, including monitoring repayment obligations, providing regular financial reporting, and advising on refinancing or early repayment opportunities where appropriate.

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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