Financing a business - general overview

• Getting to know the different sources and types of bank and non-bank financing
• Defining a business’ financial requirements and the most suitable banking solutions (illustration using a balance sheet)

Guarantees requested by financial institutions

• Providing banks with tangible guarantees involving movable or immovable assets
• Providing banks with personal guarantees based on a right in personam
• Providing banks with moral guarantees

Financing intangible and capital assets (taking over a business, purchasing business assets, patents or licences, etc.).

• Applying for a subordinated loan to finance intangible and capital assets

Turning to banks to finance investment projects (creation, improvement or development of a business activity)

• Applying for a medium or long-term loan to finance movable or immovable assets
• Applying for a bullet loan (repayment of the loan in a single payment at maturity)
• Applying for a bridging loan to finance a cash deficit
• Applying for a syndicated loan to finance large-scale projects
• Opting for property leasing

Turning to banks to finance standard investment projects (material, equipment or vehicle fleet)

• Opting for a capital lease to finance a standard investment project
• Opting for an operating lease to finance a standard investment project
• Applying for a medium-term loan to finance a standard investment project
• Applying for roll-over credit to finance a standard investment project

Turning to banks to finance growth (stock or receivables)

• Applying for cash credit to finance growth
• Applying for a fixed advance to finance growth
• Applying for invoice advances to finance growth
• Applying for discount credit to finance growth
• Using factoring to finance growth