ompanies need to invest. Be it because they want to expand, be it because production facilities are obsolete and need to be replaced. It is not always just a matter of liquidity whether the investment is paid or financed from cash. Sometimes it is also a tax decision to use an investment loan. The interest is tax deductible as operating expenses in full.
Investment loan as an alternative to leasing
It is quite common not only to lease the company vehicles, but also telephone systems, computers or even production facilities. In the end it is the decision of the entrepreneur, for which variant he decides. Leasing has the advantage that it is often offered with full service contracts, maintenance and repair of the leased goods are included in the rate. In addition, the leasing rate also includes VAT, a factor that can have a positive impact on the deduction of input tax.
On the other hand, leasing has the disadvantage that the company is not the owner of the leased asset. It is at the end of a calculation example, which financing option represents the most favorable for the company.
Investment loans are granted by all banks. However, the money houses distinguish between investment loans for existing companies and for business start-ups.
Investment finance interest, interest rates
If you are looking for an investment loan, you should first look at the intrasavings bank, the Landesbanks and promotional banks. These institutions issue low-interest loans and, in the initial phase of the loan, amortization allowances.
intrasavings bank does not grant the loans itself. The application must be made through a commercial bank or savings bank. In this case, intrasavings bank will assume a liability exemption for the lending bank of, for example, 80 percent. This means for the bank that the loan is secured at 80 percent by a state guarantee.
Landesbanks and development banks grant the loans themselves, albeit with interest rates that make it much easier for start-ups to start their own businesses.
The promotional banks are usually regionally oriented, as the example of bank illustrates. The L-Bank is committed exclusively according to this requirement:
“Investment location: rural areas –
The investment must be made in rural areas in Baden-Württemberg. For the rural area, all municipalities count among 50,000 inhabitants, in the districts Böblingen, Esslingen, Göppingen, Ludwigsburg and Rems-Murr with less than 30,000 inhabitants. “
Be promoted alongside
- Participation, acquisition or relocation of a company
- Expansion, modernization, rationalization
- Financing through subsidized promotional loans
Corporate investments such as
- Takeover of a company
- Expansion, modernization, rationalization
- Participation in a company
and investment costs for
- Land, buildings
- construction work
- Installations, machines, equipment, facilities, EDP
- Takeover price for companies or company shares
intrasavings bank assistance
intrasavings bank funding focuses on the classic 044 investment program. Investment funds, warehouses and equipment are financed. The minimum loan amount is 25,000 euros, with a maximum of 7.5 million euros being financed. The condition is that the company has existed for two years. The target group are freelancers, tradesmen and small and medium-sized companies.
The funding program 037 is much more comprehensive, but on the other hand also more restrictive. The turnover of the company may not exceed 500 million euros per year. The maximum loan amount is 25 million euros and covers 100 percent of the financing. In this case, intrasavings bank will release the liability to the financing bank in the amount of 50 percent of the loan amount. Financed
- Purchase of equipment
- Land and buildings
- Commercial vehicles
- Operating and office equipment
- Intangible investments (licenses and patents)
- Software and computer
- Establishment and expansion of broadband networks
Investment financing without state funding
Of course, as an alternative to the subsidized investment loans, there are also classic bank loans. These start at a magnitude of mostly 5,000 euros and are practically unlimited in terms of height.
Financing and depreciation
Logically, the duration of the loan is based on the depreciation of the financed asset. The amortization period for the asset to be financed, however, the company can not choose arbitrarily. This is specified in the depreciation lists of the Federal Ministry of Economics. If the depreciation period is five years, the loan should also be repaid after five years.
Why is comparison of investment loans important?
This question is not just geared to the level of interest rates, which are certainly the focus of loans from private banks and savings banks. The question also depends on which measure is to be financed and which promotional bank offers the most accurate product for it. For example, an exemption from repayment in the first two years is certainly much more attractive to a founder than to a long-established company with corresponding liquidity.
Investment loan comparison – current interest rates
inancingent solicits commercial loans for investment loans from over 200 partner banks, including many savings banks and local cooperative banks.