Not every startup is aiming to become a unicorn. If your business is already generating revenue and pursuing sustainable, healthy growth as a "zebra" or "camel" startup, bank financing may be the right option for your next stage of growth.

Banks typically provide loans based on the likelihood of repayment and available collateral. Public development banks often complement this with subsidized interest rates and risk-sharing mechanisms.

In this tutorial, Peter Leitenmayer from LfA Förderbank Bayern shares practical insights into debt financing for startups.

Topics include

• The difference between growth strategies: Hyperscale vs. Seedstrapping
• What does a typical financing mix look like?
• What can—and cannot—be financed through a loan?
• The advantages of bank loans and public development loans
• The role of your house bank and who you should speak to first
• How to prepare a convincing case for bank financing
• The importance of collateral
• How guarantees and liability exemptions can reduce financing risk
• Which public funding loans are available for startups

Speaker

Peter Leitenmayer
LfA Förderbank Bayern