Liquidity is the foundation of a company's success. The ability to meet short-term obligations, cover unexpected costs, and make investments relies on detailed liquidity and financing planning. A well-planned operating loan or a structured financing strategy provides security and flexibility.
Stable liquidity makes it possible to maintain operational activities without interruption.
Long-term investments and resources should be financed optimally.
Liquidity buffer and appropriate loan solutions provide resilience in times of crisis.
Assess the cash flow of your business.
Determine fluctuations and potential bottlenecks.
Ensure that the existing operating loan is sufficient to cover seasonal fluctuations or unforeseen events.
Negotiate the terms of your loan to lower costs.
Assess planned investments for 2025 and check whether you want to finance them using equity, investment loans, or leasing.
Calculate the profitability and amortization of planned investments.
Hold enough reserves to cover your fixed costs for at least three to six months.
Establish liquidity management that steers your assets effectively.
Monitor your liquidity and financing strategy continuously to react flexibly to market shifts.
As an independent financial partner, smzh ag offers:
Comprehensive analysis: We examine your current liquidity and financing situation.
Individual financing solutions: We develop tailor-made financing strategies to optimally support your operations and investments.
Cost reduction: We analyze your existing credits and look for less expensive alternatives.
Planning security: With our support, you establish a solid basis for your business.
Do you have any questions regarding your liquidity or financing planning? Schedule a free consultation with our experts:
We handle questions such as those shown on the right on a daily basis. You don't need to deal with them by yourself – our 360° Check-Up is free of charge and non-binding.
A business loan is used to cover short-term liquidity bottlenecks, for instance to pre-finance deliveries or salaries.
We recommend reserves for at least three to six months' worth of fixed costs.
Leasing is a good option when making investments in systems or machinery that have a long service life and that do not require any high one-time capital expenditures.
In negotiations with your bank or switching to a less expensive provider, you can reduce interest and fees.
We analyze your liquidity, optimize existing loans, and develop tailor-made financing strategies that suit your business.
