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Flexible financing solutions – focus on your core business and not your liquidity.

SME’s must make decisions quickly while remaining agile. To make sure you don’t have to worry about your liquidity, Penta offers you financing solutions in cooperation with selected partners that suit you.

For the needs of young companies and sole proprietors

Short-term loans for the simple use

Receive loans from € 1,000 – €100,000 with terms of up to 12 months and flexible repayment options.

Quick loan decisions

Credit decisions are made within 24 hours – nothing stands in the way of your daily liquidity. Perfect for financial bottlenecks.

Transparent interest payments

The interest rate is 2% per month on the outstanding amount. The interest charge is calculated on a daily basis on the outstanding loan amount – you can make unscheduled repayments at any time free of charge.

The all-around solution for your liquidity

Tailor-made financing solutions for every need

The perfect financing solution for those who are just starting out and for those who want to take the next step.

Nothing will stand in the way of your liquidity anymore

Get your financing amounts exactly tailored to your needs, with interest rates as low as 1.3% per year, with variable terms of up to 120 months and fast payout.

Flexible design

With factoring you can turn your receivables into cash more quickly. With leasing you can finance your cost-intensive capital goods more easily. With purchase financing you save money in the purchase of your goods, and you can spend it on other things.

Your financing solutions explained

Classic corporate loans are the most commonly chosen form of financing for small and medium-sized enterprises, as they are suitable for almost all liquidity measures or investment projects in all sectors. Medium and long-term loans with flexible repayment options are particularly suitable financing solutions.

As an entrepreneur, you probably know the following problem: You issue an invoice, but your customer pays it only after weeks or even months. Especially with high-priced orders, this can quickly lead to a short-term liquidity bottleneck. Factoring makes it possible to turn your receivables into cash more quickly.

Leasing allows you to invest in your business equipment without straining your liquidity and capital. Whether it is an X-ray machine, a CNC processing machine or a company car, leasing enables you to finance your expensive equipment and machines efficiently.

You are probably familiar that the purchase of goods or pre-financing services of third parties ties up your liquidity – but you urgently need it elsewhere. In this case, an alternative to a business loan is a purchase financing with which you can pre-finance your purchases of goods up to 120 days in advance.

Which financing solution suits my business?

Option 1

Fast and simple

  • €1,000 – €100,000 financing need
  • Terms: up to 12 months with flexible repayment
  • Payout within 48 hours
  • Interest rates: 2,0% per month
  • Financing solution: loan

Option 2

Comprehensive and individual

  • Flexible starting from €200 up to larger volumes
  • Terms: up to 120 months
  • Payout within 48 hours up to max. 7 days (depending on chosen solution)
  • Interest rates starting from 1,3% per year
  • Financing solutions: Loan, Factoring, Leasing, Fine Trading

Our partners


No, Penta does not issue the loans or other financing solutions. Penta provides your company with direct access to appropriate financing solutions for you through its collaboration with iwoca and Auxmoney.

In order to qualify for any of the financing solutions, your company should meet the following requirements:

  • More than €10.000 annual turnover
  • Operating for 4+ months
  • Headquartered in Germany

Entrepreneurs often know the problem that they issue an invoice and this is only settled after several days, if not weeks or months, which quickly leads to a short-term liquidity bottleneck, especially with high-priced orders. Factoring allows you to assign your receivables and thus make money faster.

Get your Penta account today!