What is Non-Bank Financing?

Non-bank financing emerged after the international crisis, which, together with the Covid-19 crisis, caused banks to restrict lending. This, together with the advance of technology and the Internet, and the need of SMEs for financing created the perfect environment to look for new and alternative ways of financing.

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Is it possible to finance without banks? How does it work?

Although bank financing is still deeply rooted in our country, it is necessary that you, as entrepreneurs, take into account that there are other alternatives to make your project possible.

To prevent your project from remaining a mere idea after a 'no' from the banks. Alternative financing has a wide range of modalities and different financial products according to the needs of each small and medium-sized enterprise. Most of these procedures can be carried out online. This will provide greater convenience and speed throughout the process.

The resources to make your business idea possible come from private investors or public funds, in the case of grants.

In the case of retail investors, the private equity and the so-called business angels are two great alternatives for financing your project.

A private equity fund will always aim to multiply the value of your company, so the resources will be much more flexible, agile and beneficial to your company.

On the other hand, a business Angel is a private individual interested in investing in entrepreneurial business projects with great potential. They will provide you with extra value, their contacts and experience. This is a fundamental advantage to ensure the success of your project. This investor will be able to guide you and bring you closer to other entrepreneurs who will know your brand.

Developments in non-bank financing and guarantees

Nowadays, alternative financing methods have increased considerably. Bank loans to small and medium-sized enterprises are becoming increasingly restrictive, expensive, slow and require more covenants and higher interest rates. As a result, non-bank financing products are gaining more prominence. Looking to the future, alternative financing in Spain will have a much greater scope and breadth in the coming years than in other countries. This is because we are still far from the balance between bank and alternative financing that other countries have. In 2008, in Spain. Bank financing covered approximately 80% of companies' financial needs, while in the United States it covered little more than 30%, while in France and Germany the figure was around 40-55%. Currently, in Spain, the levels of alternative coverage for companies are around 25% - 30%, although it seems that these percentages will increase as the months go by. In Spain, the legal framework has been reinforced through the regulation of crowdlending, the legislation for private equity and the promotion of the Alternative Stock Market. On the other hand, this new industry offers a financial market with a greater possibility of expansion, which is more flexible and democratic. These keys, together with trust, are vital to increase the participation of the main players: investors and companies. In this respect, DEXTER offers the confidence of its guarantees. It has more than 30 Investment and Debt Funds, in addition to its high volume of collaboration with financial institutions. DEXTER GLOBAL FINANCE has more than 1,500 satisfied customers in its database, thanks to its speed, flexibility and customer service throughout the entire process. The new generation of entrepreneurs, more digital, such as DEXTERwill be the key to driving the financial change that the Spanish economy needs.

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