Pay for materials today. Invoice the project tomorrow.
Fund materials, vehicles and tools. Order book, payment terms and time to collection matter in the financing discussion.
Check for my business →FOR BUSINESSES WITH AMBITION
Your business won’t wait.Your financing should keep up.
A new order. A better machine. Your next location. We help turn your need for capital into a clear financing route.
Initial check without an account · Results with reasons · Personal review on request
12loan products to compare
16German states in the location check
DE / ENFrom initial check to client area
Real programmes. Clear explanations.Browse the full catalogue →
FINANCING STARTS WITH YOUR BUSINESS
What is holding your plans back?
The right route depends on how you will use the capital. We separate short-term headroom from long-term investment.
Keep stock available without tying up all your cash.
Finance seasonal stock, purchasing and fulfilment. Stock turnover, margins and returns help establish a realistic need.
Check for my business →More capacity. A sound investment plan.
Machinery, automation and more efficient processes. Alongside purchase price, consider installation, ramp-up and expected utilisation.
Check for my business →MORE THAN A FORM
You bring the ambition. We bring structure.
A long list of banks helps little if you do not know which requirements your business meets. Aurea shows the differences and unanswered questions alongside the products.
Explore our services01
Financing strategy
How much capital do you actually need, and when? We organise investment, working capital, equity and existing commitments into a clear funding requirement.
02
Loan & funding comparison
We distinguish short-term liquidity, long-term investment and public funding. Beyond the instalment, a useful comparison covers term, security, drawdown and repayment.
03
Prepare your documents
Annual accounts, current figures, project costs and debt service: we organise the evidence and identify gaps, creating a clear basis for a financing discussion.
SELECTED FUNDING ROUTES
Options you can actually compare.
Bank loanCommerzbank
Business overdraft
From €5,000
Flexible credit line
Finance stock, operating costs and payment gaps through a business account.
Public loanKfW
ERP SME loan (365 / 366)
Up to €25 million
Investments up to 20 years
Investment, working-capital and succession funding for small and medium-sized businesses.
Public loanKfW
ERP digitalisation loan (511 / 512)
€7.5–€25 million cap by tier
Term depends on variant
Software, connected processes and digital business models; funding tier depends on project scope.
THINK BEYOND A STANDARD LOAN
Your investment may have more potential.
Digitalisation, innovation and energy efficiency have dedicated support routes. Project scope, company size and application timing matter.
Explore public funding01 — 03
Loan. Grant. Combination.
Understand what must be repaid, what may receive support and which questions need answering before placing an order.
Understand the differences →A clear journey. Everything in view.
See every stepDescribe your need
Choose your project and enter the amount, location and company details. The initial check works without an account.
Understand your results
See relevant uses, recorded exclusion reasons and unanswered questions. Open product details and compare the differences.
Save your profile
Create an account or sign in. Your prepared profile carries over as a draft; you decide when to submit it.
WELL PREPARED
Your documents. Clearly organised.
Company & financials
Company evidence, annual accounts and current management accounts. Existing commitments and bank transactions complete the financial overview.
Project & forecasts
Project description, quotations, cost breakdown and cash-flow forecast. For public funding, include technical evidence and the intended project start.
Identity & checklist
Upload a passport or the front and back of an ID card within your protected request. The checklist shows which documents your request still needs.
Make better-prepared decisions.
All insights01 / INSIGHT
Profit is not the same as cash.
A profitable order can still create a funding gap.
→02 / INSIGHTA machine costs more than its purchase price.
A sound plan covers the whole journey until productive use.
→03 / INSIGHTPublic loan or grant: what is the difference?
Both can support investment. Their effect on your financing is different.
→YOUR PERSONAL INITIAL CHECK
- 1Project
- 2Company
- 3Your results
What would you like to make possible?
Good questions. Clear answers.
All questions →What does Aurea add to a bank meeting?
Structured preparation: bring together your funding need, relevant product types, documents and unanswered questions before the next discussion.
Is the initial check a loan approval?
No. It screens selected published criteria. It does not fully assess creditworthiness, security, affordability or programme eligibility.
How quickly will I get a decision?
This depends on the provider, product and completeness of the evidence. We cannot promise a fixed payout deadline. The client area shows the status of Aurea’s review.
What does the support cost?
Scope and any fees are agreed individually before paid work is commissioned. The initial check does not automatically commission paid work.
Let’s talk about your project.
Contact AureaYou do not need all the answers yet. Tell us your goal and where you need support.