FINANCING

financing

Target group:

  • All companies (company assets are usually always somehow encumbered)

Brief description/basic statement:

  • Financial institutes provide long/short-term funds or promises of credit (above all bank guarantees).

Cash relevance:

  • Relevant for every company
The term "credit" is derived from the Latin "credere", which means "to believe, to trust". With a bank loan, the customer trusts the bank's future willingness, ability and willingness to make money available to them, while the bank trusts the customer's creditworthiness and willingness to repay.

The essence of a loan is that the lender (usually a bank) provides a service in the present (usually the payment of a sum of money) and the borrower undertakes to fulfill the consideration in the future (repayment of the sum of money including interest).

Funding can be obtained, for example, through the following types of credit:
  • Supplier Credits
  • Down payments and partial payments from customers
  • cash advances
  • Short-term bank loans (e.g. current account)
  • Long-term bank loans (e.g. Abstatter, investment loans)
  • subsidized loans (mostly state/ERP)
  • Export subsidies/ KRR (only in Austria)
  • Sale of receivables (ABS, factoring,...)
  • Capital market financing (bonds, loans,...)

CASHFiNDER analysis in the field of financing

  • Analysis of existing financing including interest calculation
  • Analysis of financing conditions
  • Examination debt restructuring financing
  • Analysis of existing cash pooling structure and costs (actual and/or notional, with one/several banks, in one/several currencies, in one/several countries)
  • Structure and benchmarking of conditions for cash advances, surety credits/bank guarantees
  • Export financing and opportunities