Artikel zu: Liquidity

Insolvency figures in Germany will reach a new record high in 2026, according to the Halle Institute for Economic Research’s June insolvency report.

German small and medium-sized enterprises (SMEs) have always been at the heart of the German economy. Accounting for 99 percent of all companies in Germany, small and medium-sized enterprises (SMEs) are among the most important employers: They provide around 60 percent of all jobs, generate more than half of...

The latest study by Allianz Trade, the world’s leading credit insurer, paints a concerning picture: Payment behavior in Germany continues to deteriorate. Companies are having to wait longer to get paid, even though they pay their suppliers faster than the Western European average. But what is driving this trend,...

Unexpected expenses often arise just when your budget is already tight. How can you cover such expenses without jeopardizing your company’s cash flow? The answer: with the right financing models. Two particularly proven options are leasing and hire purchase. But what exactly do these terms mean—and which solution is...

For many companies, factoring is a proven tool for quickly accessing working capital. But how long does it take to implement a factoring program and start receiving the first funds? The answer depends on several factors—and not all factoring providers are equally fast.

Unicredit surpasses the 30 percent mark at Commerzbank. What does overcoming this hurdle mean for German small and medium-sized businesses?

For many companies, factoring is an important tool for securing liquidity. In this process, a company sells its outstanding trade receivables to a factoring provider and receives a large portion of the invoice amount immediately. But how does a factoring company actually make money?

The German economy faces an ambivalent situation: On the one hand, the war in Iran is slowing the modest recovery; on the other hand, small and medium-sized enterprises are showing the first positive signs. The latest Spring 2026 study by Creditreform Economic Research —based on a survey of 1,850...

“How can I respond quickly if a customer or supplier suddenly requests a guarantee?” In many industries, guarantees are part of everyday business. They serve to provide financial security for contractual partners—for example, in the case of down payments, warranties, or large supply contracts. However, problems arise when guarantees...

Cyberattacks can paralyze businesses—and, for companies that use factoring, immediately trigger massive liquidity problems. Why companies should consider this risk early on.