Corporate Loans for SMEs: Financing Solutions Overview
Finance growth, manage investments, secure working capital – The right corporate financing for small and medium-sized enterprises.
ERP Promotion Loan SME: The Affordable KfW Financing
The ERP promotion loan SME (program numbers 365 and 366) is one of the most attractive financing options for small and medium-sized companies in Germany.
Maximum Amount
Up to 25 million euros per project
From Interest Rate
1.26% to 9.65% p.a.
Years Term
2 to 20 years, up to 3 years repayment-free
KfW
50% liability assumption by KfW
- Investments in machinery and equipment
- Vehicles and tools
- Real estate and land
- Software and IT infrastructure
- Working capital for ongoing business
- Personnel costs to bridge
- Rents and incidental costs
- Marketing and consulting costs
Alternative Financing: Beyond the Classic Bank
Invesdor
Flexible corporate financing with faster decisions and more flexible conditions than standard solutions.
- 500,000 to 5,000,000 euros
- 12 to 72 months
- from 2.50%
Savings Bank Corporate Loan
The regional partner with short distances, personal advice and good knowledge of the regional economy.
- Need determination, credit check, loan approval, contract conclusion and disbursement
Factoring or Bank Loan? Making the Right Choice
Not always is a classic loan the best solution. Depending on the situation, factoring can be the better alternative.
Bank loan is suitable when you want to:
- Finance long-term investments
- Get cheap interest rates through good creditworthiness
- Need a fixed, predictable financing framework
Factoring is suitable when you need:
- Quick liquidity for daily business
- Bridge long payment terms of your customers
- Protect yourself against receivable defaults
- Improve your balance sheet structure
What Our Customers Say
Factoring or Bank Loan? Making the Right Choice
"The ERP promotion loan enabled us to finance our major investment with extremely favorable conditions. The KfW funding was the key to our expansion."
"The combination of factoring for liquidity and a bank loan for investment proved to be the perfect financing mix for us."