GLOSSARY & LEXICON

Business Loan
Knowledge

Understand the most important terms
and aspects that are relevant to a business loan.

Equipment Financing

Financing of operational and production equipment through options such as hire purchase, leasing, and loans.

Follow-up Financing

Extension or refinancing of existing loans after the fixed-interest period expires to optimize conditions.

Working Capital Financing

Financing to cover short-term needs for working capital, such as raw materials or inventory.

Creditworthiness

Assessment of the creditworthiness of a company or individual based on financial circumstances.

Credit Index

Numerical value for assessing creditworthiness based on various financial ratios.

Business Management Assessment (BWA)

"Business Management Assessment": Analysis of a company's economic situation based on business management indicators.

Cash Flow

Inflow or outflow of funds within a specific period.

CrefoScore

Score for assessing a company's creditworthiness based on data from the credit agency Creditreform.

Crowdlending

Form of financing in which multiple investors support a company or project with loans through online platforms.

EBITDA

"Earnings Before Interest, Taxes, Depreciation and Amortization". A metric for assessing the operational profitability of a company.

Equity

Financial resources owned by the owners of a company.

Factoring

Sale of a company's receivables to a third party for immediate liquidity.

Finetrading

Form of financing in which a financial service provider pre-finances the purchase of goods.

Debt Financing

Financing of a company through external lenders such as banks.

Debt Capital

Capital provided to a company by external lenders.

Investment Loan

Long-term loan for financing investments in fixed assets.

Credit Hurdle

Numerical value that captures how restrictive banks act in loan negotiations.

Leasing

Granting the use of capital goods in exchange for payment of leasing installments.

Liquidity Protection

Measures to ensure a company's ability to pay.

Mezzanine Financing

Hybrid form of financing that combines elements of equity and debt capital.

Mezzanine Capital

Capital that has both equity and debt capital characteristics.

Open Items and Trial Balance List

"Open Items and Trial Balance List" for an overview of unpaid invoices and account balances.

Private Equity

Equity capital invested in non-publicly traded companies.

Project Financing

Financing of large-scale projects through a dedicated loan, often via a special purpose project company.

Refinancing

Raising of financial resources by financial institutions to finance lending.

Growth Financing

Financing to support the expansion and growth of a company.

Machine Financing

Financing of new and used machines to increase a company's productivity and competitiveness.

Workout

Restructuring measures to reorganize and stabilize a financially distressed company.

Business Loan

A loan granted to a company to finance its business operations.

Entrepreneur Loan

A loan specifically tailored to the needs of entrepreneurs.

Venture Debt

Debt financing for high-growth startups, often as a supplement to venture capital.

Discount Calculator

Formula or tool for calculating cash discounts, a price reduction for early payment.

Business Valuation

Process for determining the economic value of a company.

Corporate Financing

Financing to cover a company's capital requirements.

Sale and Lease Back

Sale of fixed assets and subsequent leaseback for liquidity purposes.

Scale-up Financing

Financing to support the growth and expansion of a company.

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Business LoanKnowledge