Working capital & credit lines
For recurring cash-flow gaps, stock and operating costs. Compare flexible access, charges on drawdowns and repayment conditions.
BUSINESS FINANCING
Capital that fits your plans.
A short-term payment gap needs a different solution from a machine that will work for ten years. Start with how the money will be used.
Assess my funding needInvestment loans
For machinery, equipment and premises. Term, useful life and debt service should align; include ramp-up costs.
Public loans
For specific business stages or projects. Programme requirements and application timing sit alongside financial underwriting.
Banks, alternative lenders and public programmes.
Compare all productsBank loanCommerzbank
Investment loan
Individually assessed amount
12 months to 30 years
Long-term financing for machinery, vehicles, equipment or commercial property.
Bank loanCommerzbank
Business overdraft
From €5,000
Flexible credit line
Finance stock, operating costs and payment gaps through a business account.
Business lenderiwoca
Flexi-Kredit
€1,000–€500,000
Up to 60 months
For businesses trading for at least two months with annual revenue above €22,000.
Bank loanQred Bank
Business loan
€5,000–€500,000
Up to 60 months
For operating expenses and investments by established businesses.
Public loanKfW
ERP StartGeld (067)
Up to €200,000
Up to 10 years
For founders and small businesses up to five years old. Investments, acquisitions and operating costs.
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.
What makes financing work.
The lowest monthly instalment is only part of the picture. Total cost, repayment schedule, security and flexibility when things change matter too.
We help you prepare these questions. Refinancing and unusual circumstances need an individual assessment; not every catalogue product covers these purposes.
YOUR NEXT STEP
Turn your ambition into a plan.
Discover which funding routes deserve a closer look.