Investment loans

Investment loan

Investment loans are an instrument for financing long-term investment projects. Discover Teylor as an alternative to traditional banks: We offer unsecured loans with fixed interest rates from EUR 50,000 to EUR 1.5+ million and fast payouts within two business days. Our personal advisory service guides you through the whole process. Get started today and secure the right financing for your company.

What are the advantages of Teylor investment loans?

As an innovative credit platform, Teylor uses modern technology and expert knowledge to offer customised credit solutions. Using an AI-based scoring system developed in-house, your company's financial data is carefully analysed and checked by experienced credit analysts.

With our industry know-how and our expertise in the SME sector, we will find the right financing solution for your company’s needs. Our transparent and efficient loan application process gives you an overview of your possible conditions and interest rates for your investment loan. Our advanced encryption methods and security systems also ensure maximum data security.

What is an investment loan?

An investment loan offers companies the opportunity to finance long-term assets that contribute to the further development of their business. This includes, for example, the purchase of machinery and vehicles, the purchase of land and buildings and the acquisition of intangible assets such as patents and licences. Investment projects also include, for example, modernisation measures, financing research and development and the construction of additional production facilities. Investment loans are therefore an important component of corporate financing.

Conditions & interest rates: What you should know about investment loans

In the case of investment loans, banks often require equity to minimise their credit risk. Full financing without equity is rather rare. Depending on which investment asset is to be financed, purchase contracts, financial plans and cash flow statements can be part of the required loan documents. The interest rates for investment loans vary depending on the financial institution. Choosing the right partner is therefore crucial.

Investment loans can carry a fixed or variable interest rate:

• With a fixed interest rate, the interest rate remains constant over the entire term. This allows the company to plan better.
• A variable interest rate changes depending on market developments and transfers opportunities and risks to the borrower, as the interest rate can change during the term either to the borrower's advantage or disadvantage.

Take advantage of Teylor hire purchase and take your business to the next level. Apply today and experience how easy and quick financing with Teylor can be.

What collateral is required for an investment loan?

Adequate collateral is usually required for an investment loan. This can be the investment property itself, provided it is considered valuable by the lender. Assets such as property or land as well as guarantees from third parties can also be required as collateral. The interest rate of investment loans depends not only on a company's credit rating and sector, but also on the type and amount of collateral offered.Teylor also offers loans without collateral.

Alternatives and limits of investment loans: How companies use finance investments successfully

Investment loans are a popular option for companies to finance assets such as production facilities or machinery. However, whether such a loan can be successfully repaid depends on many factors. Traditional lenders therefore require extensive collateral in order to minimise the risk. In some cases investment loans are refused if the borrower's creditworthiness is insufficient or the level of debt is too high.

There are alternatives: companies can resort to hire purchase or leasing for example. A business loan can also be an option. A mix of different financing approaches is often the key to success. If you would like to find out more about the specifics of investment loans, get in touch. We will advise you on the most suitable solutions.