Commercial credit and leasing — when EU instruments aren't enough
Not every project fits a cheap development loan or a grant. When EU instruments don't fit, or don't cover everything, we source commercial financing and help you get it — but we always check first whether a cheaper way exists.
What it is and when
Commercial financing means classic market sources: investment and working-capital loans, and leasing. Companies reach for it when a project doesn't qualify for EU instruments, or when a missing part of the financing mix needs filling.
We work with a network of institutions and financial partners — which lets us source a solution that fits your situation and help you get it.
If your problem is liquidity rather than investment — take a look at factoring, which turns unpaid invoices into cash.
What we can source
- Investment loan — for growth: machinery, real estate, a new line.
- Working-capital loan — for day-to-day operations.
- Leasing — for machinery, equipment, vehicles.
When it makes sense — and when it doesn't
Commercial credit costs the full market rate — which is why it's never our first choice, only a complement. Before we propose it, we always check whether your project fits the cheaper development loan (from 2%) or a grant.
We don't make money by pushing companies into expensive credit. If a cheaper path exists, we point to it first.
What it looks like with us
- Diagnosis — we check whether the cheaper EU instruments genuinely don't fit, or only seem not to.
- Sourcing from our partner network — we match the product and the lender to your situation and prepare the documentation.
- Through to disbursement — we carry the case through to a decision and the funds being released.
Frequently asked questions
When is it worth reaching for commercial financing?+
When the project doesn't qualify for EU instruments, or when a missing part of the financing mix needs filling. If your problem is liquidity rather than investment, factoring is the better tool.
What's the difference between an investment and a working-capital loan?+
Investment financing goes toward growth — machinery, real estate, a new line. Working capital covers day-to-day operations. We pick the right one for your goal.
Is this more expensive than an EU-subsidized loan?+
Yes — which is why we always check first whether you qualify for the cheap development loan or a grant.
See also
We'll check whether you really need commercial financing, or whether there's a cheaper path.
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