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Further Below: Our Guide To Business Loans in Germany, Everything you need to know.
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Business Loans in Germany, All You Need To Know:
Compare the best business loans online for free and in just 5 minutes. At FUNDGECKO we show you the small print of all the loans on the market, we explain what you should know before using them and how to get the best offer.
Also read: The Best Loans in Germany
Secure favourable corporate loans at the best conditions with Fundgecko – quickly applied for, independently advised.
When buying real estate, but also for many other investment projects, a corporate loan is considered the best financing solution. With it, you put your financing on a secure footing for the long term.
The search for the right conditions for a business loan can be very time-consuming for entrepreneurs and tie up valuable resources. Fundgecko has therefore made it its business to provide you with a transparent and simple overview of all credit offers on the market. This saves you valuable time for your business, which you can use productively.
Apply for a loan via our online portal in just a few minutes, compare the best financing partners on the market and find the right offer with which you can secure top conditions. Our financing experts are available at any time for a no-obligation consultation.
When is a corporate loan suitable?
Corporate credits, also known as loans, are suitable for almost all liquidity measures or investment projects in all sectors.
In order to receive a credit line, companies have to fulfil certain conditions with regard to company age, creditworthiness, etc. The fulfilment of these requirements has a corresponding impact on the conditions of the corporate loan. The fulfilment of these requirements has a corresponding impact on the conditions of the corporate loan. Especially medium- and long-term corporate loans are the best financing solution at the current low interest rate level, because with a loan you make yourself independent of short-term interest rate fluctuations.
Furthermore, you can improve your financial position and significantly reduce the risk of default by redeeming (rescheduling) older corporate loans that you are currently paying off at disadvantageous conditions.
Your advantages with a business loan
No external say
With this form of external financing, the providers of capital are not shareholders in the company and have neither operational nor strategic say.
Refinancing your old loans
Current corporate loans with disadvantageous conditions can be rescheduled through a loan redemption. This reduces interest costs and allows you to settle other liabilities more favourably.
Higher investments through leverage effect
By borrowing, you can make higher investments. The leverage effect increases the return on equity due to the lower interest rates for debt capital compared to equity capital.
Costs incurred when taking out a business loan
The respective lender charges different interest rates according to the current market situation, the type of loan and the creditworthiness of the borrower.
The interest rate can be fixed or variable. In addition, the exact repayment conditions or any discounts and fees influence the total cost of the corporate loan. These are shown in the effective annual interest rate. As a key figure, it facilitates the comparison of loans.
In the case of larger credits or loans, a discount is sometimes retained. The credit institution retains a certain percentage and therefore does not pay out the full loan amount. The discount serves as an interest prepayment, which reduces the later interest burden. However, it also increases the amount of credit required, which must be taken into account when initially taking out the loan. Corresponding discounts must be shown separately as well as included in the APR.
How does a business loan work?
The lending of classic corporate loans is the form of financing most frequently chosen by small and medium-sized enterprises.
A credit line is lent to a company by the credit institution against an additional repayment of an interest amount. In the credit offer, a fixed term is agreed as well as the composition of the credit instalments.
Accordingly, the credit can be repaid in regular instalments with equal repayment amounts or in the form of steadily decreasing interest payments. In the case of so-called bullet corporate loans, the entire sum is repaid at the end of the term. The amount of interest payable is influenced by the creditworthiness of the borrower.
The German market for business loans
SME loans are popular among German SMEs. According to annual surveys by the federally owned Kreditanstalt für Wiederaufbau (KfW), more than half of all companies regularly negotiate loans with banks.
More difficult access to credit from banks for small and medium-sized enterprises:
In the current market environment, the chances of obtaining an SME corporate loan are better than ever before. However, the size of the company is often a factor when granting loans. Companies with turnovers of up to 1 million euros are three times more likely to report difficulties in accessing loans than companies with annual turnovers of at least 50 million euros.
However, small enterprises can particularly often fall back on loan programmes of public development banks in their search for a corporate loan. One example is the programmes of KfW.
Online business loan requests increase the chances of approval for small and medium-sized enterprises
A very important trend in the business with corporate loans is the digitalisation of lending. This leads to an enormous acceleration of application and review processes. Digitised loans can often be disbursed much faster than SME loans with a conventional application process.
Digitalisation makes it easier for smaller companies in particular to access and compare different offers. The new procedures therefore tend to lead to more favourable conditions – good news for all SMEs.
How much can I apply for?
We arrange financing from a financing volume of € 10,000. The maximum amount of financing depends on your specific business situation and the respective conditions of our financiers.
Who can apply for financing?
Fundgecko arranges a variety of instruments for business financing independent of the industry. Corporations and partnerships, self-employed persons as well as freelancers with operational activities can apply for financing.
As a rule, a trading history of at least 2 years is required. In exceptional cases (e.g. in the case of strong growth), financing is also possible for younger companies with selected partners.
Financing can be used flexibly – for example, to make an investment, to sell receivables and thereby generate liquidity, to buy goods or to refinance existing liabilities at a lower price.
What documents do you need?
The documents requested depend on the respective credit institutions and vary depending on the financing requirements. Your personal financing advisor will be happy to help you with any questions you may have.
You will require at least:
- Annual financial statements for the last two financial years
- Current BWA (Betriebswirtschaftliche Auswertung) incl. SuSa (Totals and Balances List)
- Bank statements for the last six months
What are the criteria for assessing companies?
The criteria for granting financing are based on the specific conditions of the individual financiers and vary depending on the financing solution. Relevant for assessing the creditworthiness of your company are general data (e.g. company form, trading history, number of employees, industry) as well as key financial figures from the balance sheet analysis (e.g. turnover, balance sheet total, EBIT, amount of equity, debt ratio). In addition, Fundgeckos partners collect company data from third-party providers (e.g. Creditreform).
Can I reapply for more money?
If you would like to increase the financing volume, we will be happy to check an extension for you. This can be done with the existing financier, but also with an alternative financier. In the meantime, however, no significant changes should have occurred in the business activity and structure of your company.
About this page, our methodology
What this page is for: our goal is to help you get the best financing for your needs. Therefore, here we explain you what credits with personal guarantee are, how you can compare them to know which one suits you and which offers are the most attractive right now.
Source: the information regarding the main characteristics of personal loans and their current regulation comes from recent law on consumer credit contracts among other reference portals.
Methodology: the data relating to the conditions of these products (amount, term, interest, etc.) have been obtained through online research and consultation of the official statistics of the aforementioned reference sources.
About FUNDGECKO: we are an online comparator specialized in personal finance and home economics products. Here you can, in addition to comparing the conditions of all offers, find quality information that will help you identify the personal loans that best suit your needs.
Note: the services we offer are totally free for the user, as FUNDGECKO obtains its income from advertising and its featured products.