The cornerstone of the economy.

What Are SMEs?

The role of a lifetime.

Small and medium-sized enterprises (SMEs) are the backbone of many economies. They drive innovation, create a significant share of employment, and have the agility to adapt quickly to changing market conditions. In many countries, SMEs represent the majority of businesses and play a vital role in economic growth and job creation.

The feeling of navigating alone can be misleading, sooner or later, every established business faces challenging waters. While the challenges may differ, the search for the right solutions follows a common path.

Together, we set the course. You decide the destination.

Areas of activity

01 Public funding

Available funding programmes

What government or European support programmes are available to SMEs?

Application process

How does the application process for funding work? What documents and evidence are required?

Eligibility criteria

What requirements must be met in order to receive funding? Are there specific criteria for certain industries?

Support for innovation

What funding programmes exist specifically for innovation projects? Are there grants for research and development (R&D)?

Consulting services

What support is available for applying for and selecting suitable funding?

Sources of funding

What sources of financing are available to SMEs (e.g. bank loans, venture capital, crowdfunding)?

Financing strategies

Which options are suitable for different stages of a company's development (e.g. start-up, growth)?

Financial planning

How do you create a solid financial plan for the coming years? How do you calculate your capital requirements?

Risk management

How can financing costs and risks be minimised? What role do collateral securities play?

Alternative financing models

What alternatives are there to traditional bank loans (e.g. leasing, factoring, fintech solutions)?

Evaluation methods

What methods of company valuation are commonly used for SMEs (e.g. income approach, net asset value approach)?

Influencing factors

What factors influence the value of a company? How are intangible assets such as brands and patents taken into account?

Assessment for succession planning

How is the value of a company determined in the context of business succession? What tax aspects need to be considered?

Rating for investors

How do you argue the value of the company to potential investors? Which multipliers are standard in the industry?

Valuation for purchase and sale

How is the fair price for buying or selling an SME determined?

Market potential and size

How can the market potential for products or services be determined? Which methods and tools are suitable for realistically estimating market size and market volume?

Customer needs and target group analysis

How can SMEs accurately identify their target groups and analyse their needs? What strategies help to better understand customer preferences and expectations?

Market trends and dynamics

What trends and developments are relevant in the industry? How can SMEs respond to changes early on and adapt their strategies?

Market entry strategies

Which strategies are particularly suitable for market entry? How can SMEs achieve successful positioning in the market?

Competitive analysis

How can SMEs identify and analyse their main competitors? What tools and techniques are useful for assessing the strengths and weaknesses of the competition?

Introduction of a controlling system

How is an effective controlling system implemented in an SME? What tools and processes are necessary?

Cost and performance accounting

How is cost and performance accounting structured in SMEs? Which methods (e.g. full cost accounting, partial cost accounting) are suitable?

Key figures and KPIs

Which key performance indicators (KPIs) are relevant for SMEs? How are these indicators defined and monitored?

Budgeting and planning

How is a budgeting process structured in an SME? How is budget compliance monitored?

Cash management

How can you ensure sufficient liquidity? Which instruments and strategies help with cash flow management?

Variance analysis

How do you conduct a deviation analysis? What measures are taken in the event of target/actual deviations?

Reporting

How do you design effective reporting? What information should be reported regularly to management and other stakeholders?

Risk management

How do you identify and monitor risks in your company? What preventive measures can be taken?

Operational vs. strategic controlling

How is operational controlling (short-term management) distinguished from strategic controlling (long-term planning)?

IT-supported controlling

Which software solutions are suitable for SMEs in the area of controlling? How can these be integrated into existing systems?

Guiding You through challenging waters

Moving forward together from now on!

What connects us

Why We Support SMEs

At FINNOVAL, we are deeply connected to the SME sector and understand the opportunities and challenges entrepreneurs face every day. What makes SMEs unique is their agility, their ability to make decisions quickly, and their innovative strength. Many become true “hidden champions” by successfully establishing themselves in specialized markets.

As the foundation of economic development, SMEs play a crucial role in shaping the future. We share their entrepreneurial mindset and their determination to create lasting success. Together, we navigate challenges, set the right course, and build the foundation for sustainable growth with commitment, expertise, and a genuine passion for entrepreneurship.

Even the best engine needs to be serviced from time to time.

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