Jul 30

Equity Credit

The German medium-sized and family-owned company suffer from relationships of financial capacity and investment opportunities for years a chronic shortage of equity capital. The importance of equity is also reinforced by the international banking and financial crisis. Many companies need to fundamentally rethink their capital structure and thereby pay particular attention to the strengthening of equity. Equity has a special significance for the overall financing ability of a company. It plays a prominent role for the future of a company about the equity and investment power. Each company as financial capital as well as good employees and motivated workers need money and finance as vacuumed. Human capital.

You determine the creditworthiness and thus the financial strength of a company. The company therefore to an increase in the equity ratio and for an additional capital of equity has decided, this is for each companies of all industries through a private placement implemented (www.finanzierung-ohne-bank.de). First, an appropriate funding model must / involvement model be developed with or without voting rights influence that is tailored to the specific needs of the company, its shareholders, as well as the external provider of capital. Dr. Werner financial services AG helps the companies to answer the central questions in a capital market issue. Important factors in the choice of an alternative form of financing are the legal form of the company, accounting aspects, the level of desired involvement of third parties, tax aspects, the desired capital and duration of the contract of participation as well as expected future sales and earnings performance of the company. When selecting the alternative form of financing (venture capital, mezzanine capital without voting rights, venture capital, private equity, etc.) for the commercial capital increase or capital increase is to note that future decisions are not affected.

So conversion plans should in other legal forms, future succession (E.g. in the context of MBI or MBO) and other measures such as a division of the company, a merger, or even an IPO planned for a later date may be in advance are taken into account. Entrepreneurs must recognize the importance and function of equity in the framework of a balanced overall financing as well as the conditions, opportunities and conditions proven instruments of strengthening equity capital. Designated equity, credit rating based on and the rating at the banks for more loans are an indissoluble connection and determine the future investment ability of a company. In addition to the equity financing of full share, voting equity is particularly interesting for mid-market mezzanine financing profit participation rights and silent participations subordinated loan without influence of investors (www.emissionsmarktplatz.de). In addition, be field-proven instruments of balance sheet structure optimization to increase the equity and equity capital-friendly forms of financing like leasing and factoring into account. In addition, there are concrete ways of raising equity capital through subsidiaries, capital market emissions (E.g., private placements and employee participation), medium-sized funds, to consider funding and mezzanine products of the banking industry.

Jul 29

A Checking Account Is Required By Most

The almost most important account of every citizen is the account that is used for the processing of cashless payments. As well as any employed or self-employed needed a checking account, because both wage and corporate profits in the normal case be paid not in cash. Everyone may open a checking account in Germany, he may freely choose the Bank and change at any time. The customer may cancel at any time without any notice a checking account, the Bank may require any fees for it. In principle, everyone has the right to open a checking account and a new customer may not be rejected by a Bank, so long to run the account purely on a prepaid basis. For credit balance in a checking account, there are none or only a very low interest rate under normal circumstances, for the investment it is not suitable at all, here are other forms of investment. For this is the possibility for many banks, for his giro account account available frame extended a credit request, in which the Bank admits. In plain language, this means that the customer must hit the account at any time by a predetermined amount, the Bank admits a flexible credit him for it.

For it is but also the interest rate correspond to high. He is usually in the range between 11% and 15%, individual banking institutions can ask for even more. For the operation of a giro account account maintenance fees are due, at many banks either fixed cost or on the basis of the existing reservations. These fees are quarterly automatically deducted from the account. They are faulty, must contradict the customer within six weeks. Now is changing the image of the typical checking account, just direct and online banks offer the free current account and also more classic brokerages have free checking account in the portfolio. For this there mostly basically free checking accounts, which are only paid upon completion of the training, trainees, students and students occupy a special position here.