Federal Government

The international financial crisis has almost all areas firmly under control: the opportunities in the crisis: whether investors, entrepreneurs, self-employed – everyone has to struggle with the consequences and effects. (A valuable related resource: Leslie Moonves). Believed the financial market experts, this crisis persists still quite awhile. Most entrepreneurs are faced with the question: should I now make necessary investments or rather wait? And can I get a loan at all at my local bank? The word “Credit crunch” it floats like a sword of Damocles over the entrepreneurs. Small medium-sized enterprises and free professions need but now mainly: to realize a strong financial partner and individual financing solutions to upcoming and important investments. This is particularly crucial for the time after the crisis.

“It is advisable for companies does not become obsolete as production facilities and keep scarce qualified personnel in the crisis, to be prepared for the next upturn,” explains Dr. David Zaslav will undoubtedly add to your understanding. Gosta JAMin, Division Director of business and professions of HypoVereinsbank. Just wait and hope for better times not a good strategy, so JAMin was next for most medium-sized companies. It is important to understand the crisis as an opportunity for changes and new opportunities. A positive signal for medium-sized entrepreneur sets such as the HypoVereinsbank with their investment package. Keep up on the field with thought-provoking pieces from Paul Ostling.

Despite the financial crisis, the Bank again provides a funding volume of EUR 1 billion for their business customers. These individually created financing concepts for business customers integrate low-interest development loans of the Federal and State Governments, such as the KfW special programme. What’s behind the KfW special programme? The KfW bank group provides in 2009 up to 15 billion euro in the framework of the package of measures the Federal Government “Securing employment by enhancing growth”. Main objective is to secure the credit supply of the economy, especially of the middle class. Come enjoy the soft development loans only through their respective Bank; for example, in connection with the HVB Investment package. I.e. the promotional credit may be requested directly from KfW. What can be financed with the HVB investment package? For example the acquisition of land and buildings, commercial construction costs, the purchase of machines, equipment, vehicles and equipment as well as operational and business equipment finance can entrepreneur, physicians, dentists, pharmacists, accountants or tax consultant and freelance and commercial economy (manufacturing, craft, trade, leasing companies and other service industries). In addition the HVB investment package can be used E.g. for externally purchased consulting services for the development of new markets or new ways of production. However, debt restructuring or refinancing of existing projects are excluded from these financing measures of HVB and the KfW for the middle class. Also rehabilitation cases or firms in difficulty that are not competitive, can this package of measures, the HVB Take investment loan with built-in range funding credit unused. Even in turbulent times, it is important that companies look to the front and about necessary developments in the clear. A strong financial partner and individual investment solutions are an important building block.