Understand your cash cycle
Record when materials and staff must be paid and when customers actually pay. The largest cumulative shortfall is a better starting point than monthly revenue alone.
Match the term to the need
A recurring short gap differs from permanently tied-up capital. Compare flexible credit lines with a scheduled loan.
Prepare for the discussion
Gather outstanding receivables, payment terms, the order book and a monthly cash-flow forecast. Consider whether customer deposits can reduce the need.
Detailed programme rules: KfW StartGeld ↗ · KfW EEW ↗