Working capital financing

Working capital financing

Earmarked fixed-rate loan with regular installments as a secured or unsecured loan (collateral)  

With clearly defined loan conditions such as term, interest rate and amount of property- or project-specific funds, a medium- to long-term loan is granted, for example for the purchase or renewal of a machine.loan is granted, for example for the purchase or replacement of a machine. This earmarked fixed loan is usually amortized with regular instalments and granted as a secured or unsecured loan (collateralization).
unsecured loan (collateralization). However, factoring can also be integrated by the lender.

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Advantages for companies

As a rule, this type of capitalization leads to very short-term availability of liquidity. 

In factoring, outstanding accounts receivable are assigned to the lender or even sold under certain circumstances. As a result, this form can offer ideal framework conditions for companies, as the lender has to take care of collecting their debtors.

The amount of the receivable is credited to the company immediately, minus the processing fees, and is therefore suitable for very short-term, earmarked financing requirements.

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Participation certificates

The company can use non-voting pre-IPO shares to implement capital increases without compromising its ability to act. 

Mezzanine loan

In the case of mezzanine loans, neither voting rights nor company shares are transferred. 

Digital shares

Capitalize the company or individual assets with a security token via the blockchain. 

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