{"id":44543,"date":"2024-02-11T19:11:26","date_gmt":"2025-11-22T18:46:41","guid":{"rendered":"https:\/\/finbird.de\/?page_id=44543"},"modified":"2026-05-04T13:07:03","modified_gmt":"2026-05-04T12:07:03","slug":"refinanzierung-und-restrukturierung","status":"publish","type":"page","link":"https:\/\/finbird.de\/de\/unternehmenskunden\/refinanzierung-und-restrukturierung\/","title":{"rendered":"Refinanzierung und Restrukturierung"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"44543\" class=\"elementor elementor-44543\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7440d61 e-con-full e-flex e-con e-parent\" data-id=\"7440d61\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4546391 elementor-widget elementor-widget-jet-engine-component-45627\" data-id=\"4546391\" 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.elementor-element-40206c8 *\/.elementor-45627 .elementor-element.elementor-element-40206c8 {\n    transition: none;\n}\/* End custom CSS *\/<\/style><style type=\"text\/css\">.jet-component-instance-9647.jet-listing-grid--45627 .elementor-element.elementor-element-40206c8:not(.elementor-motion-effects-element-type-background), .jet-component-instance-9647.jet-listing-grid--45627 .elementor-element.elementor-element-40206c8 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-image:url(\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/reflection-old-brick-house-modern-office.jpg\");}@media(max-width:1250px){.jet-component-instance-9647.jet-listing-grid--45627 .elementor-element.elementor-element-40206c8:not(.elementor-motion-effects-element-type-background), .jet-component-instance-9647.jet-listing-grid--45627 .elementor-element.elementor-element-40206c8 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-image:url(\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/reflection-old-brick-house-modern-office.jpg\");}}@media(max-width:767px){.jet-component-instance-9647.jet-listing-grid--45627 .elementor-element.elementor-element-40206c8:not(.elementor-motion-effects-element-type-background), .jet-component-instance-9647.jet-listing-grid--45627 .elementor-element.elementor-element-40206c8 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-image:url(\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/reflection-old-brick-house-modern-office.jpg\");}}<\/style>\t\t<div data-elementor-type=\"jet-engine-component\" data-elementor-id=\"45627\" class=\"elementor elementor-45627 jet-listing-grid--45627 jet-component-instance-9647\" data-elementor-post-type=\"jet-engine\" style=\"\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40206c8 e-flex e-con-boxed e-con e-parent\" data-id=\"40206c8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-28642bd e-con-full e-flex e-con e-child\" data-id=\"28642bd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8cb7e1b elementor-widget elementor-widget-heading\" data-id=\"8cb7e1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Refinanzierung und Restrukturierung<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2eed972 elementor-widget elementor-widget-heading\" data-id=\"2eed972\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><p>finbird ber\u00e4t bei der Refinanzierung und strukturellen Neuordnung von gewerblichen Immobilien- und Unternehmensfinanzierungen.<\/p><\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be9e6c4 elementor-widget elementor-widget-spacer\" data-id=\"be9e6c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9cd174 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"e9cd174\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/qf-de.finbird.digital\/?source=\/de\/corporate-finance\/refinanzierung-und-restrukturierung\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Berater kontaktieren<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-095c9a4 elementor-widget elementor-widget-spacer\" data-id=\"095c9a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ecc6afa elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ecc6afa\" data-element_type=\"widget\" data-e-type=\"widget\" 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class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-66a93c0 e-flex e-con-boxed e-con e-parent\" data-id=\"66a93c0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-19a5bb4 elementor-widget elementor-widget-heading\" data-id=\"19a5bb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Refinanzierung und Restrukturierung<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dfdd4b elementor-widget elementor-widget-text-editor\" data-id=\"9dfdd4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"824\" data-end=\"1220\">Wir strukturieren Refinanzierungen und Restrukturierungen f\u00fcr gewerbliche Immobilien, Portfolios und Unternehmen, wenn bestehende Finanzierungen nicht mehr optimal zu Markt, Cashflows oder Strategie passen. Steigende Zinsen, ver\u00e4nderte Beleihungswerte, auslaufende Kreditlinien oder angepasste Covenants sind typische Anl\u00e4sse, bestehende Strukturen geordnet weiterzuentwickeln. Im Fokus stehen tragf\u00e4hige Kapitalstrukturen, die Finanzierungssicherheit schaffen, Covenants handhabbar halten und den Spielraum f\u00fcr Investitionen, Bestandsentwicklung oder Desinvestitionen erhalten. Wir begleiten insbesondere vorausschauend geplante Refinanzierungen und strukturelle Anpassungen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68dce83 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"68dce83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/qf-de.finbird.digital\/?source=\/de\/corporate-finance\/refinanzierung-und-restrukturierung\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Berater kontaktieren<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b56e12f e-flex e-con-boxed e-con e-parent\" data-id=\"b56e12f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0f187fe elementor-widget elementor-widget-heading\" data-id=\"0f187fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Refinanzierungen und Debt-Restrukturierungen<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33d7191 elementor-widget elementor-widget-text-editor\" data-id=\"33d7191\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1639\" data-end=\"2073\">Kreditnehmer stehen vor der Aufgabe, Finanzierungen aus Phasen sehr niedriger Zinsen in ein neues Zinsregime zu \u00fcberf\u00fchren. Banken agieren selektiver, \u00fcberpr\u00fcfen Beleihungsausl\u00e4ufe und legen mehr Gewicht auf Cashflows, Objektqualit\u00e4t und ESG-Perspektive. F\u00fcr gewerbliche Immobilien und Unternehmen bedeutet das, bestehende Strukturen zu \u00fcberpr\u00fcfen und gegebenenfalls anzupassen.<\/p><p data-start=\"2075\" data-end=\"2533\">Refinanzierung wird damit weniger als \u201eAnschlusskredit kurz vor Laufzeitende\u201c verstanden, sondern als laufender Prozess der Portfolio- und Kapitalstruktursteuerung. Wer fr\u00fchzeitig seine Maturities plant, Szenarien durchrechnet und den Dialog mit Kreditgebern sucht, kann Konditionen, Laufzeiten und Struktur so gestalten, dass sie zur eigenen Strategie passen \u2013 unabh\u00e4ngig davon, ob Banken ihr Engagement fortsetzen oder sich geordnet zur\u00fcckziehen m\u00f6chten.<\/p><p><strong>Was ist eine Refinanzierung und eine Restrukturierung<\/strong><\/p><p data-start=\"2599\" data-end=\"2861\">Refinanzierung umfasst die Abl\u00f6sung, Verl\u00e4ngerung oder Neuaufstellung bestehender Finanzierungen. Das Spektrum reicht von der Prolongation einzelner Darlehen zu angepassten Konditionen bis hin zur Neuordnung eines gesamten Kreditportfolios mit mehreren Banken.<\/p><p data-start=\"2863\" data-end=\"3316\">Restrukturierung bezieht sich auf die Struktur des Kapitalstapels insgesamt. Dazu kann geh\u00f6ren, Seniorfinanzierungen neu zu gewichten, den Bankenkreis zu straffen, alternative Kreditgeber einzubinden, Covenants zu harmonisieren oder Laufzeiten, Tilgungsprofile und Sicherheitenpakete neu zu ordnen.<\/p><p><strong>Refinanzierung von gewerblichen Immobilien und Portfolios<\/strong><\/p><p data-start=\"3380\" data-end=\"3650\">Im Bereich gewerblicher Immobilien steht h\u00e4ufig die Refinanzierung einzelner Objekte oder gr\u00f6\u00dferer Portfolios im Vordergrund. Nach Anpassungen von Bewertungsans\u00e4tzen oder Beleihungsausl\u00e4ufen k\u00f6nnen fr\u00fchere Kreditvolumina nicht immer unver\u00e4ndert fortgeschrieben werden.<\/p><p data-start=\"3652\" data-end=\"4048\">Eine professionelle Refinanzierung beginnt mit der Segmentierung des Bestands: Welche Objekte gelten eher als Core, welche eher als Value Add, wo sind Cashflows besonders stabil, wo besteht zus\u00e4tzlicher Entwicklungsbedarf. Darauf aufbauend werden Zielkorridore f\u00fcr Loan to Value, Tilgungsstruktur und Zinsbindung festgelegt und mit den Erwartungen der jeweiligen Finanzierungsgeber abgeglichen.<\/p><p data-start=\"4050\" data-end=\"4455\">Je nach Ausgangslage kann es sinnvoll sein, Objekte neu zu b\u00fcndeln, einzelne Engagements zu trennen, Bankfinanzierungen mit alternativen Kreditgebern zu kombinieren oder zus\u00e4tzliche Investitionsbudgets in die Struktur zu integrieren. Wichtig ist, dass die neue Struktur sowohl den laufenden Kapitaldienst als auch geplante Ma\u00dfnahmen wie Modernisierung, ESG-Investitionen oder m\u00f6gliche Verk\u00e4ufe abbildet.<\/p><p><strong>Restrukturierung von Kapitalstrukturen und Covenants<\/strong><\/p><p data-start=\"4514\" data-end=\"5009\">Wenn sich Marktumfeld, Portfoliostruktur oder Gesch\u00e4ftsmodell ver\u00e4ndern, geraten viele bestehende Kapitalstrukturen an nat\u00fcrliche Grenzen. Anpassungsbedarf kann etwa daraus entstehen, dass Kennzahlen nicht mehr komfortabel in den bisherigen Covenant-Korridoren liegen, dass Investitionsprogramme neue Finanzierungsspielr\u00e4ume erfordern oder dass Kreditlinien mit sehr unterschiedlichen Bedingungen historisch gewachsen sind.<\/p><p data-start=\"5011\" data-end=\"5463\">Restrukturierung bedeutet in diesem Kontext, Covenants, Laufzeiten, Tilgungen und Sicherheiten so zu justieren, dass sie zur aktuellen Situation und zur mittelfristigen Planung passen. H\u00e4ufig werden Kennzahlenkorridore moderat angepasst, Informations- und Reportingpflichten klarer gefasst und Tilgungsprofile an Cashflows und Maturities ausgerichtet.<\/p><p data-start=\"4263\" data-end=\"4308\"><strong>Refinanzierung und Restrukturierung im Unternehmenskontext<\/strong><\/p><p data-start=\"5528\" data-end=\"5875\">Unternehmen mit eigenen Immobilien, Maschinenparks oder Infrastruktur nutzen Refinanzierung und Restrukturierung, um ihre Finanzierungsbasis zu modernisieren. Typische Ziele sind die Reduzierung der Bankenanzahl, die Harmonisierung von Covenants, die Verl\u00e4ngerung von Laufzeiten und die Schaffung zus\u00e4tzlicher Investitionsspielr\u00e4ume.<\/p><p data-start=\"5877\" data-end=\"6399\">In vielen F\u00e4llen werden bestehende Linien geb\u00fcndelt, neue Kreditpools mit einheitlichen Bedingungen aufgebaut oder erg\u00e4nzend Private Debt und alternative Kreditgeber eingebunden. Erg\u00e4nzende Bausteine wie Nachrangkapital k\u00f6nnen dazu beitragen, Wachstum und Investitionen zu finanzieren, ohne die Seniorfinanzierung \u00fcber den gew\u00fcnschten Verschuldungsgrad hinaus auszudehnen. Entscheidend ist, dass Finanzierung, Gesch\u00e4ftsmodell, Investitionsplan und Exitperspektive in einem konsistenten Gesamtbild zusammengef\u00fchrt werden.<\/p><p data-start=\"5877\" data-end=\"6399\"><strong>Vorausschauende Planung statt Ad-hoc-L\u00f6sungen<\/strong><\/p><p data-start=\"6451\" data-end=\"6773\">Refinanzierung und Restrukturierung entfalten ihren gr\u00f6\u00dften Nutzen, wenn sie fr\u00fchzeitig geplant werden. Wer Maturities, Covenants und Investitionspl\u00e4ne \u00fcber mehrere Jahre im Blick beh\u00e4lt, kann Bankengespr\u00e4che auf Augenh\u00f6he f\u00fchren und Wettbewerbsf\u00e4higkeit, Flexibilit\u00e4t und Risikoprofil der Kapitalstruktur aktiv steuern.<\/p><p data-start=\"6775\" data-end=\"7282\">Eine vorausschauende Planung umfasst unter anderem die laufende \u00dcberpr\u00fcfung von Zins- und Wertentwicklungen, die Priorisierung von Objekten und Projekten, die Vorbereitung bankf\u00e4higer Unterlagen sowie die rechtzeitige Ansprache bestehender und neuer Kapitalgeber. So entstehen L\u00f6sungen, die nicht aus Zeitdruck entstehen, sondern bewusst dazu dienen, die n\u00e4chste Finanzierungsphase strategisch vorzubereiten, unabh\u00e4ngig davon, ob eine Bank ihr Engagement verl\u00e4ngern oder schrittweise zur\u00fcckf\u00fchren m\u00f6chte.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cb78bf elementor-widget elementor-widget-image\" data-id=\"5cb78bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/logos\/finbird\/finbird-logo-watermark-300x300.png\" class=\"attachment-medium size-medium wp-image-2262\" alt=\"Wasserzeichen-Version des finbird Logos in transparenter oder heller Darstellung\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/logos\/finbird\/finbird-logo-watermark-300x300.png 300w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/logos\/finbird\/finbird-logo-watermark-150x150.png 150w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/logos\/finbird\/finbird-logo-watermark-768x768.png 768w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/logos\/finbird\/finbird-logo-watermark-12x12.png 12w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/logos\/finbird\/finbird-logo-watermark.svg 886w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40f6d72 e-flex e-con-boxed e-con e-parent\" data-id=\"40f6d72\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c4251af elementor-widget elementor-widget-heading\" data-id=\"c4251af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Praxisf\u00e4lle<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad9ef0f elementor-testimonial--align-left elementor-testimonial--skin-default elementor-testimonial--layout-image_inline elementor-arrows-yes elementor-pagination-type-bullets elementor-widget elementor-widget-testimonial-carousel\" data-id=\"ad9ef0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;autoplay_speed&quot;:12000,&quot;lazyload&quot;:&quot;yes&quot;,&quot;space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;show_arrows&quot;:&quot;yes&quot;,&quot;pagination&quot;:&quot;bullets&quot;,&quot;speed&quot;:500,&quot;autoplay&quot;:&quot;yes&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]}}\" data-widget_type=\"testimonial-carousel.default\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-main-swiper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Slider\">\n\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\tEin Investor hielt ein Wohnportfolio in Hamburg, dessen bestehende Finanzierungen in den kommenden Jahren in mehreren Tranchen ausliefen. Die Struktur war historisch gewachsen, der Bankenkreis breit, die Konditionen und Covenants unterschiedlich. Nach einer Analyse des Bestands wurde das Portfolio nach Lage, Objektqualit\u00e4t und Cashflowprofil segmentiert. Darauf aufbauend wurde eine Zielstruktur definiert, in der ausgew\u00e4hlte Objekte geb\u00fcndelt und mit einer einheitlichen Seniorfinanzierung ausgestattet wurden. Parallel wurden einzelne Engagements geordnet zur\u00fcckgef\u00fchrt und der Bankenkreis fokussiert. Das Ergebnis war eine reduzierte Anzahl von Kreditvertr\u00e4gen, einheitlichere Covenants und klarere Refinanzierungsfenster f\u00fcr zuk\u00fcnftige Anpassungen.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__image\">\n\t\t\t\t\t\t<img class=\"swiper-lazy\" data-src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/modern-apartment-berlin-residential-district-300x200.jpg\" alt=\"Kapitalstruktur. Moderne Wohngeb\u00e4ude in einem Berliner Wohnviertel unter klarem Himmel.\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Refinanzierung eines Wohnportfolios mit Neuordnung des Bankenkreises<\/span><span class=\"elementor-testimonial__title\">Hamburg<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\tEin Entwickler realisierte in Nordrhein-Westfalen ein gemischt genutztes Quartier mit Wohnen und Gewerbe. Im Verlauf des Projekts \u00e4nderten sich Bau- und Vermarktungszeitplan, w\u00e4hrend sich das Zinsumfeld gegen\u00fcber der urspr\u00fcnglichen Kalkulation ver\u00e4ndert hatte. Statt das Projekt in eine angespannte Situation laufen zu lassen, wurde fr\u00fchzeitig eine \u00dcberpr\u00fcfung der Kapitalstruktur angesto\u00dfen. Die Seniorfinanzierung wurde in Laufzeit und Tilgungsprofil angepasst, Reserven und Meilensteine neu justiert und Informationspflichten pr\u00e4ziser gefasst. Erg\u00e4nzend wurde ein zus\u00e4tzlicher, klar begrenzter Finanzierungsspielraum f\u00fcr m\u00f6gliche Mehrkosten vereinbart.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__image\">\n\t\t\t\t\t\t<img class=\"swiper-lazy\" data-src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/urban-green-space-aerial-view-300x185.jpg\" alt=\"Whole Loan. Luftbild einer urbanen gr\u00fcnen Oase mit modernen Geb\u00e4uden und gestalteten Parkanlagen.\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Angepasste Projektfinanzierung f\u00fcr ein gemischt genutztes Quartier<\/span><span class=\"elementor-testimonial__title\">Nordrhein-Westfalen<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\tEin mittelst\u00e4ndisches Industrieunternehmen in der N\u00e4he von Frankfurt verf\u00fcgte \u00fcber mehrere Betriebsimmobilien und umfangreiche technische Anlagen, die \u00fcber verschiedene Kreditlinien bei mehreren Banken finanziert waren. Unterschiedliche Laufzeiten, Zinss\u00e4tze und Covenants erschwerten die Planung. Im Rahmen einer geordneten Refinanzierung wurden die bestehenden Engagements analysiert, Sicherheiten neu geordnet und ein Zielbild mit einem fokussierten Kernbankenkreis entwickelt. Auf dieser Basis wurden Altkredite geb\u00fcndelt und in eine kombinierte Struktur aus langfristiger Seniorfinanzierung und flexibler Betriebsmittellinie \u00fcberf\u00fchrt. Die neue Struktur senkte Komplexit\u00e4t, erh\u00f6hte Transparenz und schuf zus\u00e4tzliche Investitionsf\u00e4higkeit.\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial__image\">\n\t\t\t\t\t\t<img class=\"swiper-lazy\" data-src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/wind-turbine-logistics-centers-300x186.jpg\" alt=\"Windturbine mit Propeller \u00fcber Logistikzentrum mit Solarpanelen im Hintergrund.\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-lazy-preloader\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Refinanzierung und Konsolidierung der Finanzierungen eines Industrieunternehmens<\/span><span class=\"elementor-testimonial__title\">Frankfurt<\/span><\/cite>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Voriger\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-left\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M646 125C629 125 613 133 604 142L308 442C296 454 292 471 292 487 292 504 296 521 308 533L604 854C617 867 629 875 646 875 663 875 679 871 692 858 704 846 713 829 713 812 713 796 708 779 692 767L438 487 692 225C700 217 708 204 708 187 708 171 704 154 692 142 675 129 663 125 646 125Z\"><\/path><\/svg>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"N\u00e4chster\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-right\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M696 533C708 521 713 504 713 487 713 471 708 454 696 446L400 146C388 133 375 125 354 125 338 125 325 129 313 142 300 154 292 171 292 187 292 204 296 221 308 233L563 492 304 771C292 783 288 800 288 817 288 833 296 850 308 863 321 871 338 875 354 875 371 875 388 867 400 854L696 533Z\"><\/path><\/svg>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-368ed38 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"368ed38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/qf-de.finbird.digital\/?source=\/de\/corporate-finance\/refinanzierung-und-restrukturierung\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Berater kontaktieren<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a167e35 e-flex e-con-boxed e-con e-parent\" data-id=\"a167e35\" data-element_type=\"container\" data-e-type=\"container\" id=\"faq\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d781811 elementor-widget elementor-widget-heading\" data-id=\"d781811\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cf0343 elementor-widget elementor-widget-n-accordion\" data-id=\"6cf0343\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;max_items_expended&quot;:&quot;multiple&quot;,&quot;default_state&quot;:&quot;expanded&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1140\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1140\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Was versteht man unter Refinanzierung? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1140\" class=\"elementor-element elementor-element-e96096a e-con-full e-flex e-con e-child\" data-id=\"e96096a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-144a392 elementor-widget elementor-widget-text-editor\" data-id=\"144a392\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">Refinanzierung bezeichnet die Abl\u00f6sung, Verl\u00e4ngerung oder Neuordnung bestehender Finanzierungen. Dies reicht von der Anpassung einzelner Kreditvertr\u00e4ge bis hin zur Neuaufstellung eines gesamten Finanzierungsportfolios mit mehreren Kreditgebern. Ziel ist es, Konditionen, Laufzeiten, Tilgungsprofile und Sicherheiten an das aktuelle Marktumfeld und die Strategie des Kreditnehmers anzupassen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1141\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1141\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Worin unterscheidet sich Refinanzierung von Restrukturierung? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1141\" class=\"elementor-element elementor-element-ae6174a e-con-full e-flex e-con e-child\" data-id=\"ae6174a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b3f0ec1 elementor-widget elementor-widget-text-editor\" data-id=\"b3f0ec1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">Refinanzierung bezieht sich in erster Linie auf einzelne Darlehen oder Kreditlinien. Restrukturierung betrachtet die Gesamtstruktur des Fremd- und Eigenkapitals. Sie kann zum Beispiel die Harmonisierung von Covenants, die Neuordnung des Bankenkreises, die Einbindung alternativer Kreditgeber oder die Anpassung des Verh\u00e4ltnisses von Seniorfinanzierung und nachrangigem Kapital umfassen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1142\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1142\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Wann ist der richtige Zeitpunkt, eine Refinanzierung zu planen? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1142\" class=\"elementor-element elementor-element-5a2a868 e-con-full e-flex e-con e-child\" data-id=\"5a2a868\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61747b1 elementor-widget elementor-widget-text-editor\" data-id=\"61747b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">In der Praxis empfiehlt es sich, Refinanzierungen mit deutlichem Vorlauf zu planen, h\u00e4ufig zw\u00f6lf bis vierundzwanzig Monate vor Laufzeitende wesentlicher Finanzierungen. So bleibt ausreichend Zeit f\u00fcr Analysen, Strukturvorschl\u00e4ge, Gespr\u00e4che mit bestehenden und neuen Kapitalgebern und gegebenenfalls f\u00fcr die Umsetzung organisatorischer Ma\u00dfnahmen auf Seiten des Kreditnehmers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1143\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1143\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Welche Rolle spielen Covenants bei Refinanzierung und Restrukturierung? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1143\" class=\"elementor-element elementor-element-6a0850a e-con-full e-flex e-con e-child\" data-id=\"6a0850a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18ab342 elementor-widget elementor-widget-text-editor\" data-id=\"18ab342\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">Covenants definieren die Spielr\u00e4ume einer Finanzierung und sind deshalb ein zentraler Hebel bei Neuverhandlungen. Im Rahmen von Refinanzierungen und Restrukturierungen werden Covenants h\u00e4ufig \u00fcberpr\u00fcft, vereinfacht oder an neue Rahmenbedingungen angepasst. Wichtig ist, dass Kennzahlen f\u00fcr beide Seiten nachvollziehbar und dauerhaft handhabbar bleiben.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1144\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1144\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Wie wirkt sich das Zinsniveau auf Refinanzierungen aus? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1144\" class=\"elementor-element elementor-element-d4c4254 e-con-full e-flex e-con e-child\" data-id=\"d4c4254\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46580b1 elementor-widget elementor-widget-text-editor\" data-id=\"46580b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">Ein ver\u00e4ndertes Zinsniveau kann dazu f\u00fchren, dass k\u00fcnftiger Kapitaldienst deutlich h\u00f6her ausf\u00e4llt als in der urspr\u00fcnglichen Finanzierung. Gleichzeitig achten Kreditgeber st\u00e4rker auf Beleihungsausl\u00e4ufe und Cashflowstabilit\u00e4t. Dies erh\u00f6ht den Stellenwert einer sauberen Planung, eines angemessenen Eigenkapitaleinsatzes und einer klar strukturierten Kapitalstruktur.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1145\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1145\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> K\u00f6nnen alternative Kreditgeber in eine Refinanzierung eingebunden werden? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1145\" class=\"elementor-element elementor-element-e9e2dce e-con-full e-flex e-con e-child\" data-id=\"e9e2dce\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d34e80c elementor-widget elementor-widget-text-editor\" data-id=\"d34e80c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">Ja, Bankfinanzierungen lassen sich h\u00e4ufig sinnvoll mit alternativen Kreditgebern kombinieren. Beispiele sind erg\u00e4nzende Private-Debt-L\u00f6sungen, Whole Loans oder Nachrangkapital, wenn Banken nur einen Teil des Finanzierungsbedarfs abdecken m\u00f6chten. Voraussetzung ist ein klares Konzept f\u00fcr R\u00e4nge, Sicherheiten und Covenants, damit die Zusammenarbeit reibungslos funktioniert.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1146\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1146\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Welche Besonderheiten gelten bei der Refinanzierung von Portfolios? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1146\" class=\"elementor-element elementor-element-310fe34 e-con-full e-flex e-con e-child\" data-id=\"310fe34\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bf92a9 elementor-widget elementor-widget-text-editor\" data-id=\"3bf92a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">Bei Portfolios stellt sich immer die Frage, welche Objekte gemeinsam und welche gezielt getrennt refinanziert werden sollten. Lage, Objektqualit\u00e4t, Cashflowprofil und strategische Perspektive spielen dabei eine Rolle. Hinzu kommt die Frage, ob einzelne Verk\u00e4ufe zur Optimierung von Beleihungsausl\u00e4ufen oder zur Konzentration auf Kernbest\u00e4nde sinnvoll sein k\u00f6nnen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1147\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1147\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Welche Rolle spielt die Bewertung von Sicherheiten? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1147\" class=\"elementor-element elementor-element-1c00be2 e-con-full e-flex e-con e-child\" data-id=\"1c00be2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7915c8b elementor-widget elementor-widget-text-editor\" data-id=\"7915c8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Die Bewertung von Sicherheiten, insbesondere von Immobilien, ist eine wesentliche Grundlage jeder Refinanzierung. Sie beeinflusst Beleihungsausl\u00e4ufe, Covenants und die Bereitschaft von Kreditgebern, Engagements zu verl\u00e4ngern oder neu einzugehen. Aktuelle, belastbare Bewertungen und ein transparentes Verst\u00e4ndnis der Werttreiber erleichtern die Strukturierung tragf\u00e4higer Finanzierungsl\u00f6sungen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1148\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1148\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Was sind typische Bausteine einer Restrukturierung? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1148\" class=\"elementor-element elementor-element-f869164 e-con-full e-flex e-con e-child\" data-id=\"f869164\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0de61fb elementor-widget elementor-widget-text-editor\" data-id=\"0de61fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">Typische Bausteine sind Laufzeitverl\u00e4ngerungen, angepasste Tilgungsprofile, die \u00dcberarbeitung von Covenants, die B\u00fcndelung von Linien, die Einbindung weiterer Kreditgeber oder der gezielte Einsatz erg\u00e4nzender Instrumente wie Private Debt oder Nachrangdarlehen. Welche Elemente im Vordergrund stehen, h\u00e4ngt von Ausgangslage, Strategie und Marktumfeld ab.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1149\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"10\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1149\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Welche Unterlagen werden f\u00fcr Refinanzierung und Restrukturierung ben\u00f6tigt? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>minus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set-Filled\" sketch:type=\"MSLayerGroup\" transform=\"translate(-518.000000, -1089.000000)\" fill=\"#27223E\"><path d=\"M540,1106 L528,1106 C527.447,1106 527,1105.55 527,1105 C527,1104.45 527.447,1104 528,1104 L540,1104 C540.553,1104 541,1104.45 541,1105 C541,1105.55 540.553,1106 540,1106 L540,1106 Z M534,1089 C525.163,1089 518,1096.16 518,1105 C518,1113.84 525.163,1121 534,1121 C542.837,1121 550,1113.84 550,1105 C550,1096.16 542.837,1089 534,1089 L534,1089 Z\" id=\"minus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns:sketch=\"http:\/\/www.bohemiancoding.com\/sketch\/ns\" width=\"800px\" height=\"800px\" viewBox=\"0 0 32 32\" fill=\"#000000\"><g id=\"SVGRepo_bgCarrier\" stroke-width=\"0\"><\/g><g id=\"SVGRepo_tracerCarrier\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/g><g id=\"SVGRepo_iconCarrier\"><title>plus-circle<\/title><desc>Created with Sketch Beta.<\/desc><defs> <\/defs><g id=\"Page-1\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\" sketch:type=\"MSPage\"><g id=\"Icon-Set\" sketch:type=\"MSLayerGroup\" transform=\"translate(-464.000000, -1087.000000)\" fill=\"#27223E\"><path d=\"M480,1117 C472.268,1117 466,1110.73 466,1103 C466,1095.27 472.268,1089 480,1089 C487.732,1089 494,1095.27 494,1103 C494,1110.73 487.732,1117 480,1117 L480,1117 Z M480,1087 C471.163,1087 464,1094.16 464,1103 C464,1111.84 471.163,1119 480,1119 C488.837,1119 496,1111.84 496,1103 C496,1094.16 488.837,1087 480,1087 L480,1087 Z M486,1102 L481,1102 L481,1097 C481,1096.45 480.553,1096 480,1096 C479.447,1096 479,1096.45 479,1097 L479,1102 L474,1102 C473.447,1102 473,1102.45 473,1103 C473,1103.55 473.447,1104 474,1104 L479,1104 L479,1109 C479,1109.55 479.447,1110 480,1110 C480.553,1110 481,1109.55 481,1109 L481,1104 L486,1104 C486.553,1104 487,1103.55 487,1103 C487,1102.45 486.553,1102 486,1102 L486,1102 Z\" id=\"plus-circle\" sketch:type=\"MSShapeGroup\"> <\/path><\/g><\/g><\/g><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1149\" class=\"elementor-element elementor-element-37ca0d2 e-con-full e-flex e-con e-child\" data-id=\"37ca0d2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0e85cfd elementor-widget elementor-widget-text-editor\" data-id=\"0e85cfd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">In der Regel werden eine aktuelle \u00dcbersicht der bestehenden Finanzierungen, Kreditvertr\u00e4ge und Sicherheiten, Jahresabschl\u00fcsse und betriebswirtschaftliche Auswertungen, Planrechnungen, Objekt- oder Unternehmensbeschreibungen sowie gegebenenfalls Bewertungen und technische Gutachten ben\u00f6tigt. Eine klare, strukturierte Aufbereitung dieser Informationen erleichtert Kreditgebern und Investoren eine fundierte Beurteilung und beschleunigt Entscheidungsprozesse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-76324ab e-flex e-con-boxed e-con e-parent\" data-id=\"76324ab\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-84ccdd2 elementor-widget elementor-widget-heading\" data-id=\"84ccdd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Finanzierungsprozess<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ff28cf elementor-widget elementor-widget-text-editor\" data-id=\"8ff28cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"14399\" data-end=\"14792\">Unser Prozess f\u00fcr Refinanzierung und Restrukturierung beginnt mit einer Bestandsaufnahme der bestehenden Finanzierungen, Sicherheiten, Covenants und der operativen Ausgangslage von Objekten oder Unternehmen. Darauf aufbauend werden Szenarien entwickelt, wie sich Zinsen, Werte und Cashflows in den kommenden Jahren auswirken k\u00f6nnen und welche Kapitalstruktur daraus abgeleitet werden sollte. Aus dieser Analyse entsteht ein Zielbild f\u00fcr die k\u00fcnftige Finanzierung, das in einer strukturieren Unterlage dokumentiert wird. Diese beschreibt Ausgangssituation, Zielstruktur, wesentliche Kennzahlen sowie die geplante Rollenverteilung zwischen Banken und alternativen Kapitalgebern. Im n\u00e4chsten Schritt werden geeignete Institute und Investoren angesprochen, Pr\u00fcfprozesse koordiniert und Verhandlungen zu Konditionen, Covenants und Sicherheiten gef\u00fchrt. Am Ende steht eine vertraglich fixierte Gesamtstruktur, in der Seniorfinanzierung, erg\u00e4nzende Bausteine und Eigenkapital aufeinander abgestimmt sind. Ziel ist eine Finanzierung, die nicht nur das aktuelle Refinanzierungsthema adressiert, sondern eine solide Grundlage f\u00fcr die weitere Entwicklung von Portfolio oder Unternehmen schafft.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b117c97 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"b117c97\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/qf-de.finbird.digital\/?source=\/de\/corporate-finance\/refinanzierung-und-restrukturierung\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Berater kontaktieren<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b9b72d e-flex e-con-boxed e-con e-parent\" data-id=\"9b9b72d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0fab407 e-flex e-con-boxed e-con e-child\" data-id=\"0fab407\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<a class=\"elementor-element elementor-element-9d76488 e-con-full e-flex e-con e-child\" data-id=\"9d76488\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/finbird.de\/de\/unternehmenskunden\/gewerbliche-immobilienfinanzierung\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97a8463 elementor-widget elementor-widget-image\" data-id=\"97a8463\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/skyscrapers-icon-black.png\" class=\"attachment-large size-large wp-image-38761\" alt=\"Schwarzes Icon mit stilisierten Hochh\u00e4usern bzw. Wolkenkratzern\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/skyscrapers-icon-black.png 512w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/skyscrapers-icon-black-300x300.png 300w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/skyscrapers-icon-black-150x150.png 150w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/skyscrapers-icon-black-12x12.png 12w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb1b547 elementor-widget elementor-widget-heading\" data-id=\"bb1b547\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Gewerbliche Immobilienfinanzierung<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-7c35b9d e-con-full e-flex e-con e-child\" data-id=\"7c35b9d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/finbird.de\/de\/unternehmenskunden\/projektfinanzierung\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b557cc elementor-widget elementor-widget-image\" data-id=\"7b557cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/city-properties-icon-black.png\" class=\"attachment-large size-large wp-image-33187\" alt=\"Schwarzes Icon mit stilisierten Geb\u00e4uden \u2013 Symbol f\u00fcr Stadtimmobilien oder urbane Projekte\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/city-properties-icon-black.png 128w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/city-12x12.png 12w\" sizes=\"(max-width: 128px) 100vw, 128px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0eb6e23 elementor-widget elementor-widget-heading\" data-id=\"0eb6e23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Projektfinanzierung\u200b<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-b3e197c e-con-full e-flex e-con e-child\" data-id=\"b3e197c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/finbird.de\/de\/unternehmenskunden\/senior-debt\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-284f3f5 elementor-widget elementor-widget-image\" data-id=\"284f3f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/real-estate-cash-icon-black.png\" class=\"attachment-large size-large wp-image-33189\" alt=\"Schwarzes Icon mit Haus- und Geldsymbol \u2013 Symbol f\u00fcr Immobilienfinanzierung oder Kapitalanlagen\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/real-estate-cash-icon-black.png 128w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/real-estate-cash-icon-black-12x12.png 12w\" sizes=\"(max-width: 128px) 100vw, 128px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1904d5 elementor-widget elementor-widget-heading\" data-id=\"d1904d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Senior Debt<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d788d4 e-flex e-con-boxed e-con e-child\" data-id=\"2d788d4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<a class=\"elementor-element elementor-element-5e0e891 e-con-full e-flex e-con e-child\" data-id=\"5e0e891\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/finbird.de\/de\/unternehmenskunden\/private-debt-und-whole-loans\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-283267a elementor-widget elementor-widget-image\" data-id=\"283267a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/performance-icon-black.png\" class=\"attachment-large size-large wp-image-33194\" alt=\"Schwarzes Icon mit steigender Kurve oder Balken \u2013 Symbol f\u00fcr Leistung, Wachstum oder Erfolg\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/performance-icon-black.png 128w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/performance-12x12.png 12w\" sizes=\"(max-width: 128px) 100vw, 128px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-306e907 elementor-widget elementor-widget-heading\" data-id=\"306e907\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Private Debt und Whole-Loan-Finanzierungen<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-d6c221b e-con-full e-flex e-con e-child\" data-id=\"d6c221b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/finbird.de\/de\/unternehmenskunden\/alternative-lending-und-nachrangkapital\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bdc3e34 elementor-widget elementor-widget-image\" data-id=\"bdc3e34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/agreement-icon-black.png\" class=\"attachment-large size-large wp-image-33193\" alt=\"Schwarzes Icon mit Handschlag oder Vertragsdokument \u2013 Symbol f\u00fcr Vereinbarung oder Partnerschaft\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/agreement-icon-black.png 128w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/black\/agreement-12x12.png 12w\" sizes=\"(max-width: 128px) 100vw, 128px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84b3d90 elementor-widget elementor-widget-heading\" data-id=\"84b3d90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Alternative Lending und Nachrangkapital<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-10cb16f e-flex e-con-boxed e-con e-child\" data-id=\"10cb16f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\" href=\"https:\/\/finbird.de\/de\/unternehmenskunden\/\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-08e4ed1 elementor-widget elementor-widget-image\" data-id=\"08e4ed1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/go-back-arrow-icon-yellow.png\" class=\"attachment-large size-large wp-image-33117\" alt=\"Gelbes Icon mit Pfeil nach links \u2013 Symbol f\u00fcr \u201eZur\u00fcck\u201c oder vorherigen Schritt\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/go-back-arrow-icon-yellow.png 128w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/icons\/yellow\/go-back-arrow-icon-yellow-12x12.png 12w\" sizes=\"(max-width: 128px) 100vw, 128px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79d2c7e elementor-widget elementor-widget-heading\" data-id=\"79d2c7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Zur\u00fcck zu\nCorporate Finance Services<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-99fd741 e-con-full e-flex e-con e-parent\" data-id=\"99fd741\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23ef5a9 elementor-widget elementor-widget-jet-engine-component-45642\" data-id=\"23ef5a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-engine-component-45642.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.elementor-45642 .elementor-element.elementor-element-7e52cbd{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;}.elementor-45642 .elementor-element.elementor-element-7e52cbd:not(.elementor-motion-effects-element-type-background), .elementor-45642 .elementor-element.elementor-element-7e52cbd > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:var( --e-global-color-695f600 );}.elementor-45642 .elementor-element.elementor-element-1ce9133{--display:flex;--margin-top:75px;--margin-bottom:75px;--margin-left:0px;--margin-right:0px;}.elementor-45642 .elementor-element.elementor-element-f2cd1ce{--display:flex;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-45642 .elementor-element.elementor-element-c7bfd86 .elementor-heading-title{font-family:var( --e-global-typography-69aabbb-font-family ), Sans-serif;font-size:var( --e-global-typography-69aabbb-font-size );font-weight:var( --e-global-typography-69aabbb-font-weight );line-height:var( --e-global-typography-69aabbb-line-height );letter-spacing:var( --e-global-typography-69aabbb-letter-spacing );word-spacing:var( --e-global-typography-69aabbb-word-spacing );}.elementor-45642 .elementor-element.elementor-element-5f7690c{font-family:var( --e-global-typography-047c7b3-font-family ), Sans-serif;font-size:var( --e-global-typography-047c7b3-font-size );font-weight:var( --e-global-typography-047c7b3-font-weight );line-height:var( --e-global-typography-047c7b3-line-height );letter-spacing:var( --e-global-typography-047c7b3-letter-spacing );word-spacing:var( --e-global-typography-047c7b3-word-spacing );color:var( --e-global-color-secondary );}.elementor-45642 .elementor-element.elementor-element-fd84e2b{--swiper-slides-to-display:3;--swiper-offset-size:150px;--arrow-prev-left-align:100%;--arrow-prev-translate-x:-100%;--arrow-prev-left-position:-45px;--arrow-prev-top-align:0%;--arrow-prev-caption-spacing:0px;--arrow-prev-translate-y:0px;--arrow-prev-top-position:0px;--arrow-next-right-align:0%;--arrow-next-translate-x:0%;--arrow-next-right-position:0px;--arrow-next-top-align:0%;--arrow-next-caption-spacing:0px;--arrow-next-translate-y:0px;--arrow-next-top-position:0px;--swiper-slides-gap:25px;--arrow-normal-color:var( --e-global-color-ae76eea );--dots-horizontal-position:100%;--dots-horizontal-transform:-100%;--dots-horizontal-offset:-100px;--dots-vertical-position:0%;--dots-vertical-transform:0%;--dots-vertical-offset:15px;margin:-55px 0px calc(var(--kit-widget-spacing, 0px) + 0px) 0px;padding:50px 0px 0px 0px;}.elementor-45642 .elementor-element.elementor-element-fd84e2b .swiper-slide > .elementor-element{height:100%;}.elementor-45642 .elementor-element.elementor-element-fd84e2b :is(.elementor-swiper-button-prev, .elementor-swiper-button-next) {background-color:var( --e-global-color-secondary );border-radius:8px 8px 8px 8px;padding:5px 5px 5px 5px;}@media(min-width:768px){.elementor-45642 .elementor-element.elementor-element-f2cd1ce{--width:75%;}}@media(max-width:1250px){.elementor-45642 .elementor-element.elementor-element-c7bfd86 .elementor-heading-title{font-size:var( --e-global-typography-69aabbb-font-size );line-height:var( --e-global-typography-69aabbb-line-height );letter-spacing:var( --e-global-typography-69aabbb-letter-spacing );word-spacing:var( --e-global-typography-69aabbb-word-spacing );}.elementor-45642 .elementor-element.elementor-element-5f7690c{font-size:var( --e-global-typography-047c7b3-font-size );line-height:var( --e-global-typography-047c7b3-line-height );letter-spacing:var( --e-global-typography-047c7b3-letter-spacing );word-spacing:var( --e-global-typography-047c7b3-word-spacing );}.elementor-45642 .elementor-element.elementor-element-fd84e2b{--swiper-slides-to-display:2;--arrow-prev-left-align:50%;--arrow-prev-translate-x:-50%;--arrow-prev-left-position:-25px;--arrow-prev-top-align:100%;--arrow-prev-translate-y:-100%;--arrow-next-right-align:50%;--arrow-next-translate-x:50%;--arrow-next-right-position:-25px;--arrow-next-top-align:100%;--arrow-next-translate-y:-100%;--dots-horizontal-position:50%;--dots-horizontal-transform:-50%;--dots-horizontal-offset:0px;--dots-vertical-position:100%;--dots-vertical-transform:-100%;--dots-vertical-offset:-50px;margin:0px 0px calc(var(--kit-widget-spacing, 0px) + 0px) 0px;padding:0px 0px 60px 0px;}}@media(max-width:767px){.elementor-45642 .elementor-element.elementor-element-c7bfd86 .elementor-heading-title{font-size:var( --e-global-typography-69aabbb-font-size );line-height:var( --e-global-typography-69aabbb-line-height );letter-spacing:var( --e-global-typography-69aabbb-letter-spacing );word-spacing:var( --e-global-typography-69aabbb-word-spacing );}.elementor-45642 .elementor-element.elementor-element-5f7690c{font-size:var( --e-global-typography-047c7b3-font-size );line-height:var( --e-global-typography-047c7b3-line-height );letter-spacing:var( --e-global-typography-047c7b3-letter-spacing );word-spacing:var( --e-global-typography-047c7b3-word-spacing );}.elementor-45642 .elementor-element.elementor-element-fd84e2b{--swiper-slides-to-display:1;--swiper-offset-size:0px;--arrow-prev-left-align:50%;--arrow-prev-translate-x:-50%;--arrow-prev-left-position:-25px;--arrow-prev-top-align:100%;--arrow-prev-translate-y:-100%;--arrow-next-right-align:50%;--arrow-next-translate-x:50%;--arrow-next-right-position:-25px;--arrow-next-top-align:100%;--arrow-next-translate-y:-100%;--dots-horizontal-position:50%;--dots-horizontal-transform:-50%;--dots-horizontal-offset:0px;--dots-vertical-position:100%;--dots-vertical-transform:-100%;--dots-vertical-offset:-50px;margin:0px 0px calc(var(--kit-widget-spacing, 0px) + 0px) 0px;padding:0px 0px 60px 0px;}}<\/style>\t\t<div data-elementor-type=\"jet-engine-component\" data-elementor-id=\"45642\" class=\"elementor elementor-45642 jet-listing-grid--45642 jet-component-instance-7384\" data-elementor-post-type=\"jet-engine\" style=\"\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e52cbd e-flex e-con-boxed e-con e-parent\" data-id=\"7e52cbd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1ce9133 e-con-full e-flex e-con e-child\" data-id=\"1ce9133\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-f2cd1ce e-con-full e-flex e-con e-child\" data-id=\"f2cd1ce\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7bfd86 elementor-widget elementor-widget-heading\" data-id=\"c7bfd86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fachwissen &amp; Einblicke<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f7690c elementor-widget elementor-widget-text-editor\" data-id=\"5f7690c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Fachwissen und Einblicke aus der Finanzierungswelt<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd84e2b fb-carousel-gradient--right elementor-pagination-type-bullets elementor-arrows-position-inside elementor-pagination-position-outside elementor-widget elementor-widget-loop-carousel\" data-id=\"fd84e2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;template_id&quot;:&quot;45025&quot;,&quot;offset_sides&quot;:&quot;right&quot;,&quot;offset_width&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:150,&quot;sizes&quot;:[]},&quot;offset_width_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:25,&quot;sizes&quot;:[]},&quot;_skin&quot;:&quot;post&quot;,&quot;slides_to_show&quot;:&quot;3&quot;,&quot;slides_to_show_tablet&quot;:&quot;2&quot;,&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;.elementor-loop-container&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;offset_width_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;arrows&quot;:&quot;yes&quot;,&quot;pagination&quot;:&quot;bullets&quot;,&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-carousel.post\">\n\t\t\t\t\t\t\t<div class=\"swiper elementor-loop-container elementor-grid\" role=\"list\" dir=\"ltr\">\n\t\t\t\t<div class=\"swiper-wrapper\" aria-live=\"off\">\n\t\t<style id=\"loop-45025\">.elementor-45025 .elementor-element.elementor-element-3e7d00f{--display:flex;--gap:0px 0px;--row-gap:0px;--column-gap:0px;--overflow:hidden;border-style:none;--border-style:none;--border-radius:8px 8px 8px 8px;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-45025 .elementor-element.elementor-element-3e7d00f:not(.elementor-motion-effects-element-type-background), .elementor-45025 .elementor-element.elementor-element-3e7d00f > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:var( --e-global-color-ae76eea );}.elementor-45025 .elementor-element.elementor-element-ebe2938 img{width:100%;max-width:100%;height:175px;object-fit:cover;object-position:center center;border-radius:8px 8px 0px 0px;}.elementor-45025 .elementor-element.elementor-element-bfe7a9d{--display:flex;--gap:20px 20px;--row-gap:20px;--column-gap:20px;--padding-top:20px;--padding-bottom:20px;--padding-left:20px;--padding-right:20px;}.elementor-45025 .elementor-element.elementor-element-bfe7a9d:not(.elementor-motion-effects-element-type-background), .elementor-45025 .elementor-element.elementor-element-bfe7a9d > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:var( --e-global-color-ae76eea );}.elementor-45025 .elementor-element.elementor-element-bfe7a9d.e-con{--flex-grow:1;--flex-shrink:0;}.elementor-45025 .elementor-element.elementor-element-54453c0 .elementor-icon-list-icon{width:14px;}.elementor-45025 .elementor-element.elementor-element-54453c0 .elementor-icon-list-icon i{font-size:14px;}.elementor-45025 .elementor-element.elementor-element-54453c0 .elementor-icon-list-icon svg{--e-icon-list-icon-size:14px;}.elementor-45025 .elementor-element.elementor-element-54453c0 .elementor-icon-list-text, .elementor-45025 .elementor-element.elementor-element-54453c0 .elementor-icon-list-text a{color:var( --e-global-color-8dbceb9 );}.elementor-45025 .elementor-element.elementor-element-54453c0 .elementor-icon-list-item{font-family:var( --e-global-typography-4b70945-font-family ), Sans-serif;font-size:var( --e-global-typography-4b70945-font-size );font-weight:var( --e-global-typography-4b70945-font-weight );line-height:var( --e-global-typography-4b70945-line-height );letter-spacing:var( --e-global-typography-4b70945-letter-spacing );word-spacing:var( --e-global-typography-4b70945-word-spacing );}.elementor-45025 .elementor-element.elementor-element-4d1d5f4 .elementor-heading-title{font-family:var( --e-global-typography-6fe43e8-font-family ), Sans-serif;font-size:var( --e-global-typography-6fe43e8-font-size );font-weight:var( --e-global-typography-6fe43e8-font-weight );line-height:var( --e-global-typography-6fe43e8-line-height );letter-spacing:var( --e-global-typography-6fe43e8-letter-spacing );word-spacing:var( --e-global-typography-6fe43e8-word-spacing );}.elementor-45025 .elementor-element.elementor-element-4d1d5f4.elementor-element{--flex-grow:1;--flex-shrink:0;}.elementor-45025 .elementor-element.elementor-element-33347da .elementor-button-content-wrapper{flex-direction:row-reverse;}.elementor-45025 .elementor-element.elementor-element-33347da .elementor-button .elementor-button-content-wrapper{gap:5px;}.elementor-45025 .elementor-element.elementor-element-33347da .elementor-button{font-family:var( --e-global-typography-2d5a38a-font-family ), Sans-serif;font-size:var( --e-global-typography-2d5a38a-font-size );font-weight:var( --e-global-typography-2d5a38a-font-weight );line-height:var( --e-global-typography-2d5a38a-line-height );letter-spacing:var( --e-global-typography-2d5a38a-letter-spacing );word-spacing:var( --e-global-typography-2d5a38a-word-spacing );fill:var( --e-global-color-secondary );color:var( --e-global-color-secondary );background-color:var( --e-global-color-c9eb684 );border-radius:8px 8px 8px 8px;padding:0px 0px 0px 0px;}@media(max-width:1250px){.elementor-45025 .elementor-element.elementor-element-54453c0 .elementor-icon-list-item{font-size:var( --e-global-typography-4b70945-font-size );line-height:var( --e-global-typography-4b70945-line-height );letter-spacing:var( --e-global-typography-4b70945-letter-spacing );word-spacing:var( --e-global-typography-4b70945-word-spacing );}.elementor-45025 .elementor-element.elementor-element-4d1d5f4 .elementor-heading-title{font-size:var( --e-global-typography-6fe43e8-font-size );line-height:var( --e-global-typography-6fe43e8-line-height );letter-spacing:var( --e-global-typography-6fe43e8-letter-spacing );word-spacing:var( --e-global-typography-6fe43e8-word-spacing );}.elementor-45025 .elementor-element.elementor-element-33347da .elementor-button{font-size:var( --e-global-typography-2d5a38a-font-size );line-height:var( --e-global-typography-2d5a38a-line-height );letter-spacing:var( --e-global-typography-2d5a38a-letter-spacing );word-spacing:var( --e-global-typography-2d5a38a-word-spacing );}}@media(max-width:767px){.elementor-45025 .elementor-element.elementor-element-54453c0 .elementor-icon-list-item{font-size:var( --e-global-typography-4b70945-font-size );line-height:var( --e-global-typography-4b70945-line-height );letter-spacing:var( --e-global-typography-4b70945-letter-spacing );word-spacing:var( --e-global-typography-4b70945-word-spacing );}.elementor-45025 .elementor-element.elementor-element-4d1d5f4 .elementor-heading-title{font-size:var( --e-global-typography-6fe43e8-font-size );line-height:var( --e-global-typography-6fe43e8-line-height );letter-spacing:var( --e-global-typography-6fe43e8-letter-spacing );word-spacing:var( --e-global-typography-6fe43e8-word-spacing );}.elementor-45025 .elementor-element.elementor-element-33347da .elementor-button{font-size:var( --e-global-typography-2d5a38a-font-size );line-height:var( --e-global-typography-2d5a38a-line-height );letter-spacing:var( --e-global-typography-2d5a38a-letter-spacing );word-spacing:var( --e-global-typography-2d5a38a-word-spacing );}}\/* Start custom CSS for image, class: .elementor-element-ebe2938 *\/.elementor-45025 .elementor-element.elementor-element-ebe2938 a {\n    width: 100%;\n}\/* End custom CSS *\/<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"45025\" class=\"elementor elementor-45025 swiper-slide e-loop-item e-loop-item-44618 post-44618 post type-post status-publish format-standard has-post-thumbnail hentry category-de-refinanzierung\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-3e7d00f e-flex e-con-boxed e-con e-parent\" data-id=\"3e7d00f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ebe2938 elementor-widget elementor-widget-image\" data-id=\"ebe2938\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/finbird.de\/de\/blog\/refinanzierung-vorbereiten-der-24-monats-ansatz\/\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"513\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/modern-calendar-minimalist-768x513.jpg\" class=\"elementor-animation-grow attachment-medium_large size-medium_large wp-image-44625\" alt=\"Refinanzierung, Moderne, minimalistische Kalenderdesign mit eleganter Darstellung der Monate und funktionalem Silberball.\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/modern-calendar-minimalist-768x513.jpg 768w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/modern-calendar-minimalist-300x200.jpg 300w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/modern-calendar-minimalist-1024x683.jpg 1024w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/modern-calendar-minimalist-1536x1025.jpg 1536w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/modern-calendar-minimalist-2048x1367.jpg 2048w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/modern-calendar-minimalist-18x12.jpg 18w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bfe7a9d e-con-full e-flex e-con e-child\" data-id=\"bfe7a9d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54453c0 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-post-info\" data-id=\"54453c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-5a567d0 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Refinanzierung<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d1d5f4 fb-full-link elementor-widget elementor-widget-heading\" data-id=\"4d1d5f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/finbird.de\/de\/blog\/refinanzierung-vorbereiten-der-24-monats-ansatz\/\">Refinanzierung vorbereiten: der 24-Monats-Ansatz<\/a><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33347da elementor-widget elementor-widget-button\" data-id=\"33347da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Weiterlesen<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"45025\" class=\"elementor elementor-45025 swiper-slide e-loop-item e-loop-item-44586 post-44586 post type-post status-publish format-standard has-post-thumbnail hentry category-de-refinanzierung\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-3e7d00f e-flex e-con-boxed e-con e-parent\" data-id=\"3e7d00f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ebe2938 elementor-widget elementor-widget-image\" data-id=\"ebe2938\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/finbird.de\/de\/blog\/kapitalstruktur-im-zeitverlauf-neu-ausrichten\/\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/modern-apartment-berlin-residential-district-768x512.jpg\" class=\"elementor-animation-grow attachment-medium_large size-medium_large wp-image-44639\" alt=\"Kapitalstruktur. Moderne Wohngeb\u00e4ude in einem Berliner Wohnviertel unter klarem Himmel.\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/modern-apartment-berlin-residential-district-768x512.jpg 768w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/modern-apartment-berlin-residential-district-300x200.jpg 300w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/modern-apartment-berlin-residential-district-1024x683.jpg 1024w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/modern-apartment-berlin-residential-district-1536x1024.jpg 1536w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/modern-apartment-berlin-residential-district-2048x1365.jpg 2048w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/modern-apartment-berlin-residential-district-18x12.jpg 18w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bfe7a9d e-con-full e-flex e-con e-child\" data-id=\"bfe7a9d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54453c0 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-post-info\" data-id=\"54453c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-5a567d0 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Refinanzierung<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d1d5f4 fb-full-link elementor-widget elementor-widget-heading\" data-id=\"4d1d5f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/finbird.de\/de\/blog\/kapitalstruktur-im-zeitverlauf-neu-ausrichten\/\">Kapitalstruktur im Zeitverlauf neu ausrichten<\/a><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33347da elementor-widget elementor-widget-button\" data-id=\"33347da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Weiterlesen<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"45025\" class=\"elementor elementor-45025 swiper-slide e-loop-item e-loop-item-44581 post-44581 post type-post status-publish format-standard has-post-thumbnail hentry category-de-refinanzierung\" data-elementor-post-type=\"elementor_library\" role=\"group\" aria-roledescription=\"slide\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-3e7d00f e-flex e-con-boxed e-con e-parent\" data-id=\"3e7d00f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ebe2938 elementor-widget elementor-widget-image\" data-id=\"ebe2938\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/finbird.de\/de\/blog\/maturitaeten-covenants-und-bankenkreis-neu-ordnen\/\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"511\" src=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/black-document-folder-office-desk-768x511.jpg\" class=\"elementor-animation-grow attachment-medium_large size-medium_large wp-image-44626\" alt=\"Maturit\u00e4ten. Schwarzer Dokumentenordner auf einem Schreibtisch, ideal f\u00fcr B\u00fcroumgebung und effiziente Organisation.\" srcset=\"https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/black-document-folder-office-desk-768x511.jpg 768w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/black-document-folder-office-desk-300x200.jpg 300w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/black-document-folder-office-desk-1024x681.jpg 1024w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/black-document-folder-office-desk-1536x1022.jpg 1536w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/black-document-folder-office-desk-2048x1363.jpg 2048w, https:\/\/finbird.de\/wp-content\/uploads\/assets\/images\/corporate\/black-document-folder-office-desk-18x12.jpg 18w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bfe7a9d e-con-full e-flex e-con e-child\" data-id=\"bfe7a9d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54453c0 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-post-info\" data-id=\"54453c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-5a567d0 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Refinanzierung<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d1d5f4 fb-full-link elementor-widget elementor-widget-heading\" data-id=\"4d1d5f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/finbird.de\/de\/blog\/maturitaeten-covenants-und-bankenkreis-neu-ordnen\/\">Maturit\u00e4ten, Covenants und Bankenkreis neu ordnen<\/a><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33347da elementor-widget elementor-widget-button\" data-id=\"33347da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Weiterlesen<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Voriger\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-left\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M646 125C629 125 613 133 604 142L308 442C296 454 292 471 292 487 292 504 296 521 308 533L604 854C617 867 629 875 646 875 663 875 679 871 692 858 704 846 713 829 713 812 713 796 708 779 692 767L438 487 692 225C700 217 708 204 708 187 708 171 704 154 692 142 675 129 663 125 646 125Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"N\u00e4chster\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-chevron-right\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M696 533C708 521 713 504 713 487 713 471 708 454 696 446L400 146C388 133 375 125 354 125 338 125 325 129 313 142 300 154 292 171 292 187 292 204 296 221 308 233L563 492 304 771C292 783 288 800 288 817 288 833 296 850 308 863 321 871 338 875 354 875 371 875 388 867 400 854L696 533Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Refinanzierung und Restrukturierung f\u00fcr gewerbliche Immobilien und asset-heavy Unternehmen. 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