If the Bank supported the credit, companies need to go new ways to raise capital. Three alternatives to bank credit.

Especially the growth brings many companies in the crisis. The increase in order volume and customer demand is forcing the companies to expand. No problem, if the company can finance the necessary investments from its own cash flow. If you can not, ask for his bank loan.

Banks are increasingly stingy with loans

One way is increasingly rocky. “Financial institutions lend more sensitive to risk and return-oriented,” warns former finance minister of Baden-Wurttemberg, Ernst Pfister (FDP) in a study of company financing through business transaction . The new caution of banks in lending applies especially small and medium enterprises.

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Alternative: On-loan Smava

A known alternative to the bank, the credit marketplace Smava . 45 percent of all loans are mediated via Smava business loans, reports the Internet platform. Most of these online business loans are used for purchase of equipment. Often, entrepreneurs seeking capital as well as funding for a project or, more generally, a planned expansion as the reason for their request to Smava.

SMEs in the stock market

Larger firms borrow money in the stock market. Even medium-meanwhile discover the stock market as a source of money, reports HSH Corporate Finance . The Hamburg-based consulting firm, a subsidiary of HSH Nordbank, which specializes in corporate transactions. Since 2010 had been placed on the stock 50 bonds, with companies that are not listed as such. The report, the Hamburg business consultant. Disadvantages of the way the stock market: The placement of such bonds is complex. Furthermore, success depends on the demand of investors. Thus, this approach is recommended only for companies with excellent credit. Companies in fast-moving businesses or fledgling companies should not expect too much confidence on the part of investors. You have to go other ways.

Easy money with private equity

Who needs money in the short term, but may also involve an investor, a so-called private equity shareholders. Often this brings to the company not only fresh money. The investor often has valuable experience and contacts in the industry. Anyone who thinks they can do without help and advice of the investor, does not the life’s work to pass from the hands. Contract can be such a recording of an investor, even a time limit.

As a successful example of financing through private equity capital is called at HSH Corporate Finance, founded in 1999 the online tire dealer. In 2004, the owner brought financial investors on board to grow the business. Meanwhile, it is listed on the stock exchange. The sales were approximately EUR 6.9 million in 2000 to around 450 million euros in 2011, says HSH Corporate Finance.

Keep the reins in his hand

Were mainly entrepreneurs and family businesses, however, strong objections, the reins to give, says Dietmar Kohl, SME expert at HSH Corporate Finance. This successful equity financing only succeed with detailed contracts that safeguard the interests of both parties the investor as the entrepreneur. Participation and participation rights, dividend payments, including the exploitation of patents and investor exits: All of this must govern the contractual parties. It is self-explanatory that no entrepreneur should hold an investor without professional advice. But the advantage for the entrepreneur is clear: While a bank loan or an online loan borrowing side strain, strengthens the inclusion of an investor’s equity.