Securing financing requires a robust business plan, transparent financials, sufficient equity, and a viable strategy.
Small and medium-sized enterprises regularly face financing needs that require credit. We distinguish between securing ongoing liquidity and financing investments, as well as change and transformation projects. Financing requirements and debt service capacity are derived directly from corporate planning.
A company's existing financing structure determines its financing options. This includes both debt levels and available collateral. We build on this starting point to develop a financing strategy, incorporating various financing components and, where necessary, subsidies. Our financing strategy focuses on the feasibility of the project and, if required, the restructuring of the company's liabilities. In doing so, we take into account existing loan terms as well as the regulatory requirements of credit institutions and other financiers.
We manage the entire financing process for your company. We conduct financing negotiations through to the decision-making stage in credit committees, evaluate loan terms and required collateral, establish the prerequisites for disbursement, and ensure ongoing reporting to banks and financiers.
Loan terms determine the cost of a credit line or a loan. In addition to the interest rate, commitment fees, credit commissions or a discount may be agreed. A loan can be repaid at maturity, in instalments or as an annuity.
Sustainable finance takes ESG criteria into account in financing and investment decisions. The aim is to channel capital into sustainable business models that remain viable in the long term. Companies with strong ESG performance can benefit from better financing terms, while weak ESG performance can make financing more expensive or restrict access to it.
Banks lend money from their customers' deposits, and regulation requires them to secure loans appropriately. Collateral with a narrow security purpose is preferable: it covers one specific loan rather than the entire business relationship. Possible forms are land charges on property, assignment of receivables, chattel mortgages or personal guarantees from managing shareholders.
The lending bank is a creditor of your company. Loan agreements regularly require the lender to be kept informed about the company's economic development. We design this reporting with foresight and settle its frequency and scope early. That keeps financing partners informed and familiar with the situation of their borrower.
A bank rating assesses a company's creditworthiness from the bank's point of view. It shows how likely a loan is to be repaid properly and therefore influences the lending decision, the collateral required and the terms offered. Every bank uses its own rating method. Companies can actively improve their rating through targeted measures.
Get in touch with us. After one personal conversation you will know exactly what THE MAK'ED TEAM can do for your company.