Working capital loan
Secure liquidity, gain room for maneuver

A working capital loan is a short-term to medium-term financing solution to cover the daily liquidity needs. It is not intended to invest in fixed assets, but rather to finance:

• Purchase of goods and materials
• Personnel costs and social security contributions
• Rents, leasing rates and additional costs
• Supplier liabilities
• Seasonal additional requirements or order peaks

Typically, the loan is Overdraft facility, Revolving credit or classic working capital loan with repayment plan designed – depending on the company structure and needs.

• SMEs, who have to cover running costs
• Growth companies, who temporarily need more capital
• Seasonal businesses (e.g. trade, tourism, construction)
• Companies with long payment terms or payment periods

• Fast access to liquidity for short-term needs
• Flexible use for business expenses
• Independence from supplier credits
• Strengthening the negotiating position through discount use
• Ensuring solvency even in the event of unexpected developments

A working capital loan should not only be readily available but also strategically thought out. The goal is to find a financing solution that fits the company's individual needs – with a clear focus on costs, term, flexibility, and the impact on liquidity planning.

Overview of services:

• Analysis of your short-term capital needs
• Selection of suitable financing forms and partners
• Support with credit applications and documentation
• Negotiations with banks

Conclusion: A well-coordinated working capital loan is not a stopgap measure – but an active tool for managing your business.