Corporate Loans for SMEs: Financing Solutions Overview
Para pequeñas y medianas empresas que quieren crecer, invertir o financiar capital circulante: ordenamos las opciones de financiación y mostramos cuáles pueden encajar con su proyecto, para que no tenga que comparar usted mismo ofertas y créditos de fomento.
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.
Importe máximo
Hasta 25 millones de euros por proyecto (KfW, a 09/2026)
Tipo de interés
Tipo de interés actual según la tabla de condiciones de KfW (ERP-Förderkredit KMU)
Años de plazo
De 2 a 20 años, de ellos hasta 3 años sin amortización
KfW
Liberación opcional del 50 % de la responsabilidad por parte de KfW (a 09/2026)
- 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.
- según el proyecto
- 12 to 72 months
- a consultar (Invesdor)
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
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