Corporate Loans for SMEs: Financing Solutions Overview
Per piccole e medie imprese che vogliono crescere, investire o finanziare il capitale circolante: classifichiamo le opzioni di finanziamento e mostriamo quali possono adattarsi al Suo progetto, così non deve confrontare da sé offerte e prestiti agevolati.
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.
Importo massimo
Fino a 25 milioni di euro per progetto (KfW, stato 09/2026)
Tasso d'interesse
Tasso d'interesse attuale secondo la tabella delle condizioni KfW (ERP-Förderkredit KMU)
Anni di durata
Da 2 a 20 anni, di cui fino a 3 anni senza rimborso
KfW
Esonero opzionale del 50% dalla responsabilità da parte di KfW (stato 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.
- in base al progetto
- 12 to 72 months
- su richiesta (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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