Financing the company
The most common banking products: loans for working capital and for the purchase of fixed assets (machinery, equipment, real estate); the refinancing of loans to other banks; Loan with deposit; Overdraft (like mortgage), as well as the guarantee.
The loan rates for working capital and asset purchases vary, preferably in the range of 17-19%. Lower prices are mainly in lending in cooperation with some international donors, as well as affiliate programs with the manufacturers of the technology. Affiliate program rates usually start at 10% per annum, but are also dependent on the duration of the loan and the size of your own contribution. With a short loan term and own contribution more than 50% on some programs bet can be much lower.
International funding programs.
At the moment in Ukraine there are about 20 programs of international financial organizations to finance the development of small and medium-sized enterprises. Donors include the European Bank for Reconstruction and Development, the European Investment Bank, the European Investment Fund, the German Development Bank, the German-Ukrainian Fund and other organizations.
The repayment term is preferably 3-5 years. In many programs, funding is provided through local partner banks, which provide themselves with the bet lending (international programs will only be your maximum level).
In terms of purpose, the most common are international programs, funding for the modernization and expansion of production, as well as the realization of innovative projects, namely in the context of improving the alternative energy ecology, waste prevention and reduction of carbon dioxide emissions.
Despite the fact that international funding is often cheaper than bank programs, most international donor programs, such as the bank’s funding, provides for transparent and informative coverage. And many companies still do not have adequate quality of coverage. In most cases, it depends not only on the optimization of taxation, but also with a sufficiently high level of management and accounting skills.
Secure virtual data space.
Simple and secure virtual data room serves as a central platform for the storage, analysis and transmission of confidential information – which is important in the work of banks.
The vdraum.de data virtual data rooms provider establishes the best virtual data storage services to consulting firms and investment companies, investment banks, law firms and private equity and venture capital. Virtual Dataroom is used for mergers and acquisitions, restructuring, IPO or projects related to obtaining finance (syndicated loans.), As well as projects requiring the exchange of confidential information with external users.