{"id":1524,"date":"2025-06-07T14:12:10","date_gmt":"2025-06-07T14:12:10","guid":{"rendered":"https:\/\/keck-finanzberatung.at\/?page_id=1524"},"modified":"2025-10-23T08:22:39","modified_gmt":"2025-10-23T08:22:39","slug":"betriebsmittelkredit","status":"publish","type":"page","link":"https:\/\/keck-finanzberatung.at\/en\/betriebsmittelkredit\/","title":{"rendered":"Working capital loan"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1524\" class=\"elementor elementor-1524\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2916e03 e-con-full e-flex e-con e-parent\" data-id=\"2916e03\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-38f67d2 e-con-full e-flex e-con e-child\" data-id=\"38f67d2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f37c61c elementor-widget elementor-widget-heading\" data-id=\"f37c61c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><p><span style=\"color: #a89047\">Working capital loan<\/span> <br><span style=\"color: black\">Secure liquidity, gain room for maneuver<\/span><\/p><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-145cbfb elementor-widget elementor-widget-text-editor\" data-id=\"145cbfb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Whether it's running costs, short-term bottlenecks, or investments in growth: sufficient liquidity is crucial for many companies. A <strong>Working capital loan<\/strong> offers the necessary financial flexibility to reliably maintain business operations and develop them in a targeted manner.<\/p><p><strong>Make an appointment\u2014together we will make your liquidity planning future-proof.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8c0e89 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a8c0e89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-559fb36 elementor-widget elementor-widget-toggle\" data-id=\"559fb36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8971\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-8971\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What is a working capital loan?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8971\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-8971\"><p>A working capital loan is a short-term to medium-term financing solution to cover the <strong>daily liquidity needs<\/strong>. It is not intended to invest in fixed assets, but rather to finance:<\/p><ul><li>Purchase of goods and materials<\/li><li>Personnel costs and social security contributions<\/li><li>Rents, leasing rates and additional costs<\/li><li>Supplier liabilities<\/li><li>Seasonal additional requirements or order peaks<\/li><\/ul><p><br \/>Typically, the loan is <strong>Overdraft facility<\/strong>, <strong>Revolving credit<\/strong> or <strong>classic working capital loan with repayment plan<\/strong> designed \u2013 depending on the company structure and needs.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8972\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-8972\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">For which companies does a working capital loan make sense?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8972\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-8972\"><ul><li><strong>SMEs<\/strong>, who have to cover running costs<\/li><li><strong>Growth companies<\/strong>, who temporarily need more capital<\/li><li><strong>Seasonal businesses<\/strong> (e.g. trade, tourism, construction)<\/li><li><strong>Companies with long payment terms or payment periods<\/strong><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8973\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-8973\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What are the advantages of a working capital loan?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8973\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-8973\"><ul><li><strong>Fast access to liquidity<\/strong> for short-term needs<\/li><li><strong>Flexible use<\/strong> for business expenses<\/li><li><strong>Independence from supplier credits<\/strong><\/li><li><strong>Strengthening the negotiating position<\/strong> through discount use<\/li><li><strong>Ensuring solvency<\/strong> even in the event of unexpected developments<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8974\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-8974\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What is the specific added value of the collaboration?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8974\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-8974\"><p>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&#039;s individual needs \u2013 with a clear focus on costs, term, flexibility, and the impact on liquidity planning.<\/p><p><strong>Overview of services:<\/strong><\/p><ul><li>Analysis of your short-term capital needs<\/li><li>Selection of suitable financing forms and partners<\/li><li>Support with credit applications and documentation<\/li><li>Negotiations with banks<\/li><\/ul><p><strong><br \/>Conclusion<\/strong>: A well-coordinated working capital loan is not a stopgap measure \u2013 but an active tool for managing your business.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b4ab49e e-con-full e-flex e-con e-child\" data-id=\"b4ab49e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-dcf2967 e-con-full e-flex e-con e-child\" data-id=\"dcf2967\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5bc6626 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"5bc6626\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chart-pie\" viewbox=\"0 0 544 512\" role=\"img\" aria-label=\"Pie Chart Icon\"><defs><lineargradient id=\"gold-gradient\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0%\" stop-color=\"#d4af37\"><\/stop><stop offset=\"50%\" stop-color=\"#f1e7b6\"><\/stop><stop offset=\"100%\" stop-color=\"#c7a349\"><\/stop><\/lineargradient><\/defs><path fill=\"url(#gold-gradient)\" d=\"M527.79 288H290.5l158.03 158.03c6.04 6.04 15.98 6.53 22.19.68 38.7-36.46 65.32-85.61 73.13-140.86 1.34-9.46-6.51-17.85-16.06-17.85zm-15.83-64.8C503.72 103.74 408.26 8.28 288.8.04 279.68-.59 272 7.1 272 16.24V240h223.77c9.14 0 16.82-7.68 16.19-16.8zM224 288V50.71c0-9.55-8.39-17.4-17.84-16.06C86.99 51.49-4.1 155.6.14 280.37 4.5 408.51 114.83 513.59 243.03 511.98c50.4-.63 96.97-16.87 135.26-44.03 7.9-5.6 8.42-17.23 1.57-24.08L224 288z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWorking capital loan\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd174a7 elementor-align-center e-transform elementor-widget elementor-widget-button\" data-id=\"bd174a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateX_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:65,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjIwOTgiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Make an appointment<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Betriebsmittelkredit Liquidit\u00e4t sichern, Handlungsspielraum gewinnen Ob laufende Kosten, kurzfristige Engp\u00e4sse oder Investitionen in Wachstum: F\u00fcr viele Unternehmen ist ausreichende Liquidit\u00e4t entscheidend. Ein Betriebsmittelkredit bietet hier die notwendige finanzielle Flexibilit\u00e4t, um den Gesch\u00e4ftsbetrieb zuverl\u00e4ssig aufrechtzuerhalten und gezielt weiterzuentwickeln. Vereinbaren Sie einen Termin \u2013 gemeinsam gestalten wir Ihre Liquidit\u00e4tsplanung zukunftssicher. Was ist ein Betriebsmittelkredit? Ein Betriebsmittelkredit ist [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"iawp_total_views":14,"footnotes":""},"class_list":["post-1524","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/keck-finanzberatung.at\/en\/wp-json\/wp\/v2\/pages\/1524","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/keck-finanzberatung.at\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/keck-finanzberatung.at\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/keck-finanzberatung.at\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/keck-finanzberatung.at\/en\/wp-json\/wp\/v2\/comments?post=1524"}],"version-history":[{"count":71,"href":"https:\/\/keck-finanzberatung.at\/en\/wp-json\/wp\/v2\/pages\/1524\/revisions"}],"predecessor-version":[{"id":4620,"href":"https:\/\/keck-finanzberatung.at\/en\/wp-json\/wp\/v2\/pages\/1524\/revisions\/4620"}],"wp:attachment":[{"href":"https:\/\/keck-finanzberatung.at\/en\/wp-json\/wp\/v2\/media?parent=1524"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}