Order and finance your goods just-in-time
There is an ideal payment method for every business. We see it as our task to show you your options and work with you to increase your business success. Protect your liquidity and use imports to finance goods or components.
Achieve your goals faster and more reliably
Being able to order your goods and components reliably and promptly increases your productivity and ultimately also your cash flow. Purchase prices can be fixed directly, and future price risks actively avoided. Existing production capacities can be better planned and utilised by reducing downtimes and changeover times. An existing financing commitment makes an advance payment unnecessary. Payment is made directly on delivery and allows your liquidity to be used for other operating expenses. It is also possible to finance your goods or components for the period up to the sale or disbursement of your project financing (fulfillment of milestones).
Your advantages
Orders | Possible without down payment |
Price stability | No fluctuations in down payment and billing |
Gain time | Payment period for processing and distribution |
Security | Supplier receives purchase price from purchase financing |
Cost benefits | More favorable than traditional forms of financing |
Financing enquiry
In order to be able to forward your enquiry to the right contact person, please take a few moments to answer the following questions:
We would be happy to advise you
Advising our customers and identifying strategic solutions for the ideal payment method is our day-to-day business. We also handle collection and letters of credit and offer alternatives to traditional working capital lines. Goods releases and guarantees – foreign guarantees, sureties, stand-by letters of credit – are just as much a part of our portfolio as the coordination and execution of fiduciary payments.
Jutta Arlt
Head of Cash and Trade ServicesLars Reese
Senior Trade Finance Expert / SalesFour convincing reasons:
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Protect your liquidity
Invest in your productivity by covering seasonal costs instead of debiting your accounts.
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Use the payment period of your creditors
to your advantage: order, process and distribute your goods – without prepayment.
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Recognition as a supplier liability
Ask your auditor to examine this accounting option.
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Increase your security
Your supplier receives his sales price on delivery, regardless of interim currency or market price fluctuations.
Further services for you
Avoid liquidity bottlenecks if you make advance payments and deliver or produce goods but are not paid within a reasonable period of time; instead, sell your receivables and save yourself a bridging loan.
Cash pooling with fast processes and modern subscription procedures via app or classic eBanking. Our service is fast, flexible and individually customised for your company.
Would you like to protect your balance sheet or optimize your financing? We have a high level of expertise in the refinancing of leasing portfolios, also with regard to more complex structures.
Klarphos – Providing advice and fund solutions for Alternative Investments
Klarphos S.à.r.l. is a subsidiary of HCOB and a leading European Investment Manager providing customized solutions for institutional clients to achieve their goals in Alternative Investments.
Besides providing in-depth advisory services, jointly with a modern RAIF fund platform, Klarphos launches and manages funds in an uncomplicated and quick way.