Overdraft / credit limit

A flexible buffer for seasonal working-capital swings. If the limit is always full, a term loan or factoring is usually cheaper.

Key facts

Provider: Banks
Type: Credit line
Typical amount: limit sized to need (typ. €10k–500k)
Rate / terms: Euribor + margin + limit fee
Legal basis: Market terms
Who it is for: Micro to large companies · working capital

Factoring / invoice finance

Turns B2B receivables into immediate cash and grows with your sales. It is the most common cure for growth-driven cash tightness.

Key facts

Provider: Banks & finance companies
Type: Credit line
Typical amount: 70–90% of invoice value advanced
Rate / terms: typ. 1–3% of invoice value + interest
Legal basis: Market terms
Who it is for: Micro to midcap companies · working capital

Leasing & hire purchase

Finances machinery, vehicles and equipment against the asset itself, preserving cash and credit lines for everything else.

Key facts

Provider: Banks & finance companies
Type: Credit line
Typical amount: up to 100% of the asset
Rate / terms: asset-backed; total cost above a bank loan
Legal basis: Market terms
Who it is for: Micro to large companies · investment

Sale and leaseback

Sell equipment or premises you own to a financier and lease them back. Frees the capital tied up in assets without interrupting their use. A balance-sheet lever for when cash is worth more than ownership.

Key facts

Provider: Banks & finance companies
Type: Credit line
Typical amount: based on the value of machinery or premises you own
Rate / terms: lease payments; total cost above a secured bank loan
Legal basis: Market terms
Who it is for: Micro to large companies · working capital