DZB Finanz
For customized financing solutions
As a bank for the retail market, DZB BANK knows the areas in which action is required, so that your company remains economically healthy. That is why we are supporting you with corresponding financing solutions – bundled in one package: DZB Finance. Whether it involves loans, leasing services or options for financial investment – with DZB Finance, you ensure sufficient capital supply and thereby secure your entrepreneurial scope.
Credit schemes
In wholesale and retail, financial bottlenecks generally result from a time lag between the payments for incoming goods and receipts from the sale of goods. For these critical liquidity areas, DZB BANK offers you the cost-effective instrument of seasonal financing. You can find support in these areas:
— Financing of the basic merchandise stock
— Shopfitting financing
— Investments in operations buildings
— Investments in the modernization of the plant and equipment
— Financing of promising expansion projects
Leasing
Leasing is a modern financing concept, in which investment goods or capital goods are used for a limited time period, against payment of an agreed fee. The goods can subsequently be returned or purchased at their residual value. Particularly for SME retail companies, leasing is becoming increasingly important.
Your advantages:
— Increased liquidity and protection of your equity capital
— Optimized balance sheet figures and improved ratings
— Utilization-congruent term and protection from technical obsolescence
— Tax advantages (leasing installments fully deductible as operating expenses)
— Secure planning basis, thanks to regular leasing installments
Fixed-term deposits
You want to realize your project within the foreseeable future. Then, you can already prepare for this now and ensure that you have the appropriate reserves: with a fixed-term deposit from DZB Finance.
» Our term deposit conditions
Through the affiliation with the deposit guarantee fund of the credit cooperatives, DZB offers you 100% security for your fixed-term deposit. Fixed-term deposits are possible from a minimum amount of EUR 10,000.-.
Identification takes place in person on our business premises or using the Post-Ident method. Therefore, please request your account opening documentation from us in good time.
Your contact for financial investments
Fixed-Deposit Administration Department
Sylvia Flach & Ulrike Walter
Tel: +49 61 82 / 9 28-4432
Fax: +49 61 82 / 9 28-4586
Erika Kins
Tel: +49 61 82 / 9 28-4483
Expert advisory for all financing matters
On the basis of the sector expertise that has been gathered during the past decades, the DZB Finance teams will advise you extensively regarding which financing solutions are best for your personal situation – our customer advisors are pleased to prepare you for possible meetings with your house bank. An analysis of your balance sheets, your cashflow and your previous financing structure goes hand-in-hand with this advisory.
We determine optimization potential for you, as well as possible additional options for creating credit. Our individual financial planning and cashflow analysis, as well as optimizing your security structure, will contribute to long-term profitability of your company.
