Predictable instalments and stable interest rates, With our investment loans, you can finance your future projects
Benefits for you, Maximum transparency in financing your investments
Flexible
You can choose whatever assets you need to finance – all that counts are your specific needs.
Preserving liquidity
In this way, you can modernise your business without having to draw on your liquidity – thereby avoiding the risk of bottlenecks.
Economically viable
Investment loans are used to finance the state-of-the-art machinery and equipment that will boost the efficiency of your business.
Key aspects at a glance
- Various disbursement options (multiple disbursements over a given period of time, forward-starting loans, discounts)
- Fixed interest rate or variable reference interest rate
- Terms ranging from one to 20 years
- Choice of instalment, annuity or bullet repayments
- All variants can be combined
- Different currencies available
- The loan can also be transacted for entities outside Germany
- Sustainability factors may be referenced
- Wide range of applications: expanding production capacity, digital transformation, technology, real estate, infrastructure, research and development, exploring markets and expanding market presence, energy efficiency and sustainability.
Fixed or floating: the choice is yours
Fixed-interest investment loans
If planning certainty is your number one priority, an investment loan with a fixed interest rate is the best choice for your company. The fixed interest rate will remain unchanged throughout the fixed interest period, which may range from one to ten years.
A forward-starting loan will allow you to lock in an attractive interest rate for up to three years in advance (up to five years in exceptional cases). However, this also means that you will no longer benefit from any interest rate cuts during the term.
Investment loans with reference interest rate (roll-over loans)
When you choose an investment loan with a reference interest rate, the rate, rather than being fixed, will be based on the reference interest rate for the currency in which the loan has been taken out. Loans in euros are based on the Euribor® (Euro Interbank Offered Rate), with a fixed additional spread agreed on top of the reference rate.
The interest rates for roll-over loans are adjusted to prevailing market terms at predefined intervals (e.g. every three months).
Accordingly, when you take out an investment loan based on a reference interest rate, these adjustments will allow you to benefit from falling interest rates – however, this also means that you will have to bear the risk of interest rates rising.
Expert assistance for your green transformation, Investment loans for financing sustainable projects
These green investment loans are designed to finance sustainable projects such as the construction, expansion or acquisition of plants to generate electricity or heat or to produce hydrogen – all using sunlight, water, wind, geothermal energy or other renewable resources. Investment loans for sustainable projects may also be used to finance the purchase of electric or hydrogen-powered vehicles.
You may want to consider lease financing as a means of preserving equity and safeguarding liquidity.
We will also help you secure public subsidised funding in the form of programme loans or global loans provided by German promotional banks KfW and Landwirtschaftliche Rentenbank, or state promotional and development banks.