{"id":10798,"date":"2024-06-24T16:45:00","date_gmt":"2024-06-24T14:45:00","guid":{"rendered":"https:\/\/www.uniorg.de\/?post_type=insights&#038;p=10798"},"modified":"2026-03-05T09:04:57","modified_gmt":"2026-03-05T08:04:57","slug":"reduce-refinancing-risk-and-increase-financial-flexibility","status":"publish","type":"insights","link":"https:\/\/www.uniorg.de\/en\/insights\/blog-en\/reduce-refinancing-risk-and-increase-financial-flexibility","title":{"rendered":"Reduce refinancing risk and increase financial flexibility"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10798\" class=\"elementor elementor-10798 elementor-4999\" data-elementor-post-type=\"insights\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b9ff95a wrapper pt-m pb-xl e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"7b9ff95a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_effect&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]},&quot;animation&quot;:&quot;fadeIn&quot;,&quot;jet_parallax_layout_list&quot;:[],&quot;motion_fx_translateY_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:100}},&quot;motion_fx_devices&quot;:[&quot;widescreen&quot;,&quot;desktop&quot;,&quot;laptop&quot;,&quot;tablet_extra&quot;,&quot;tablet&quot;,&quot;mobile_extra&quot;,&quot;mobile&quot;]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7ff20c27 e-con-full e-flex e-con e-child\" data-id=\"7ff20c27\" 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-6e75cf9d elementor-widget elementor-widget-image\" data-id=\"6e75cf9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/www.uniorg.de\/wp-content\/uploads\/2024\/11\/uniorg_Illustration-87-1024x1024.jpg\" class=\"attachment-large size-large wp-image-8962\" alt=\"\" srcset=\"https:\/\/www.uniorg.de\/wp-content\/uploads\/2024\/11\/uniorg_Illustration-87-1024x1024.jpg 1024w, https:\/\/www.uniorg.de\/wp-content\/uploads\/2024\/11\/uniorg_Illustration-87-300x300.jpg 300w, https:\/\/www.uniorg.de\/wp-content\/uploads\/2024\/11\/uniorg_Illustration-87-150x150.jpg 150w, https:\/\/www.uniorg.de\/wp-content\/uploads\/2024\/11\/uniorg_Illustration-87-768x768.jpg 768w, https:\/\/www.uniorg.de\/wp-content\/uploads\/2024\/11\/uniorg_Illustration-87-1536x1536.jpg 1536w, https:\/\/www.uniorg.de\/wp-content\/uploads\/2024\/11\/uniorg_Illustration-87-2048x2048.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\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-f41b5cf e-con-full e-flex e-con e-child\" data-id=\"f41b5cf\" 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<div class=\"elementor-element elementor-element-1292454c pt-l elementor-widget elementor-widget-heading\" data-id=\"1292454c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Reduce refinancing risk and increase financial flexibility<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-71ec09d5 e-con-full square-s e-flex e-con e-child\" data-id=\"71ec09d5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;,&quot;animation&quot;:&quot;none&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20ceeb81 pt-s elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"20ceeb81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-breadcrumbs jet-blocks\">\n\t\t<div class=\"jet-breadcrumbs\">\n\t\t<div class=\"jet-breadcrumbs__content\">\n\t\t<div class=\"jet-breadcrumbs__wrap\"><div class=\"jet-breadcrumbs__item\"><a href=\"https:\/\/www.uniorg.de\/en\/\" class=\"jet-breadcrumbs__item-link is-home\" rel=\"home\" title=\"Home\">Home<\/a><\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div><\/div>\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-221bf3c4 wrapper pt-m pb-xl e-flex e-con-boxed e-con e-parent\" data-id=\"221bf3c4\" 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<div class=\"elementor-element elementor-element-3550b27d e-con-full e-flex e-con e-child\" data-id=\"3550b27d\" 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-28ca677e subtitle elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"28ca677e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Does your company have the right refinancing and investment policy?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f458a6e elementor-widget elementor-widget-text-editor\" data-id=\"7f458a6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The refinancing markets are characterised by constant ups and downs that depend on the economic situation in the eurozone. Negative interest rates seemed unimaginable a few years ago, but the recent past has shown that they are a reality. The sharp rise following economic events also surprises many companies time and again.<\/p><p>A good time for refinancing is always when the demand for investments is correspondingly low. However, most companies are not doing well economically then either. Nevertheless, anti-cyclical action is advisable. It offers the opportunity to position oneself on the market, prepare for the future and emerge stronger from crises. To do this, it is important to analyse company processes, adapt strategies and revise ineffective processes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\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-27a0a164 wrapper pt-m pb-xl e-flex e-con-boxed e-con e-parent\" data-id=\"27a0a164\" 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<div class=\"elementor-element elementor-element-2776aba4 e-con-full jedv-enabled--yes elementor-hidden-mobile_extra elementor-hidden-mobile e-flex e-con e-child\" data-id=\"2776aba4\" 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-6c0f617f btn-primary pb-m elementor-widget elementor-widget-button\" data-id=\"6c0f617f\" data-element_type=\"widget\" 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data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Our SAP solutions<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49a9ce4c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"49a9ce4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d86f996 elementor-widget elementor-widget-jet-listing-grid\" data-id=\"7d86f996\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;columns&quot;:&quot;1&quot;}\" 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class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.uniorg.de\/en\/solutions\/uniorg-exchange-rate\/\">\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\">UNIORG Ex&shy;change Rate<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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-99f8caf elementor-widget elementor-widget-text-editor\" data-id=\"99f8caf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tAutomated exchange rate updates for SAP systems\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-5964a52 pt-s elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5964a52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/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<\/a>\n\t\t\t\t<\/div>\n\t\t<\/div><div class=\"jet-listing-grid__item jet-listing-dynamic-post-9867\" data-post-id=\"9867\"  >\t\t<div data-elementor-type=\"jet-listing-items\" data-elementor-id=\"9763\" class=\"elementor elementor-9763 elementor-1283 elementor-1283\" data-elementor-post-type=\"jet-engine\">\n\t\t\t\t<a class=\"elementor-element elementor-element-4c9c4a4 e-flex e-con-boxed e-con e-parent\" data-id=\"4c9c4a4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/www.uniorg.de\/en\/solutions\/uniorg-ready2go\/\">\n\t\t\t\t\t<div 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data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tREADY2GO enables medium-sized companies to implement modern business processes quickly at a fixed price, with integrated KPI analytics for data-driven decision-making.\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-5964a52 pt-s elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5964a52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/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<\/a>\n\t\t\t\t<\/div>\n\t\t<\/div><div class=\"jet-listing-grid__item jet-listing-dynamic-post-9845\" data-post-id=\"9845\"  >\t\t<div data-elementor-type=\"jet-listing-items\" data-elementor-id=\"9763\" class=\"elementor elementor-9763 elementor-1283 elementor-1283\" data-elementor-post-type=\"jet-engine\">\n\t\t\t\t<a class=\"elementor-element elementor-element-4c9c4a4 e-flex e-con-boxed e-con e-parent\" data-id=\"4c9c4a4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/www.uniorg.de\/en\/solutions\/sap-s-4hana\/\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b2207c elementor-align-left btn-secondary-green elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"1b2207c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.uniorg.de\/en\/solutions\/sap-s-4hana\/\">\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\">SAP S\/4HANA<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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-99f8caf elementor-widget elementor-widget-text-editor\" data-id=\"99f8caf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tModern ERP for all business processes with fast data processing in a unified database\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-5964a52 pt-s elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5964a52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/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<\/a>\n\t\t\t\t<\/div>\n\t\t<\/div><div class=\"jet-listing-grid__item jet-listing-dynamic-post-9879\" data-post-id=\"9879\"  >\t\t<div data-elementor-type=\"jet-listing-items\" data-elementor-id=\"9763\" class=\"elementor elementor-9763 elementor-1283 elementor-1283\" data-elementor-post-type=\"jet-engine\">\n\t\t\t\t<a class=\"elementor-element elementor-element-4c9c4a4 e-flex e-con-boxed e-con e-parent\" data-id=\"4c9c4a4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/www.uniorg.de\/en\/solutions\/treasury-management\/management-of-leasing-contracts\/\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b2207c elementor-align-left btn-secondary-green elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"1b2207c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.uniorg.de\/en\/solutions\/treasury-management\/management-of-leasing-contracts\/\">\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\">Management of leasing contracts<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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-99f8caf elementor-widget elementor-widget-text-editor\" data-id=\"99f8caf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tOptimizing lease management: Three ways to manage leases effectively in SAP\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-5964a52 pt-s elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5964a52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/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<\/a>\n\t\t\t\t<\/div>\n\t\t<\/div><div class=\"jet-listing-grid__item jet-listing-dynamic-post-9850\" data-post-id=\"9850\"  >\t\t<div data-elementor-type=\"jet-listing-items\" data-elementor-id=\"9763\" class=\"elementor elementor-9763 elementor-1283 elementor-1283\" data-elementor-post-type=\"jet-engine\">\n\t\t\t\t<a class=\"elementor-element elementor-element-4c9c4a4 e-flex e-con-boxed e-con e-parent\" data-id=\"4c9c4a4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/www.uniorg.de\/en\/solutions\/treasury-management\/cash-management-daily-planning\/\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b2207c elementor-align-left btn-secondary-green elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"1b2207c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.uniorg.de\/en\/solutions\/treasury-management\/cash-management-daily-planning\/\">\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\">Cash management\/ daily planning<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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-99f8caf elementor-widget elementor-widget-text-editor\" data-id=\"99f8caf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIncoming and outgoing payments change your company&#8217;s financial planning on a daily basis. \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-5964a52 pt-s elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5964a52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/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<\/a>\n\t\t\t\t<\/div>\n\t\t<\/div><div class=\"jet-listing-grid__item jet-listing-dynamic-post-9884\" data-post-id=\"9884\"  >\t\t<div data-elementor-type=\"jet-listing-items\" data-elementor-id=\"9763\" class=\"elementor elementor-9763 elementor-1283 elementor-1283\" data-elementor-post-type=\"jet-engine\">\n\t\t\t\t<a class=\"elementor-element elementor-element-4c9c4a4 e-flex e-con-boxed e-con e-parent\" data-id=\"4c9c4a4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\" href=\"https:\/\/www.uniorg.de\/en\/solutions\/treasury-management\/receivables-management\/\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b2207c elementor-align-left btn-secondary-green elementor-widget__width-inherit elementor-widget elementor-widget-button\" data-id=\"1b2207c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.uniorg.de\/en\/solutions\/treasury-management\/receivables-management\/\">\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\">Receivables management<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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-99f8caf elementor-widget elementor-widget-text-editor\" data-id=\"99f8caf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tEvaluate due dates, taking into account payment terms and historical payment behavior, in a structured reporting interface.\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-5964a52 pt-s elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5964a52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/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<\/a>\n\t\t\t\t<\/div>\n\t\t<\/div><\/div><\/div>\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-2466e56d e-con-full e-flex e-con e-child\" data-id=\"2466e56d\" 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-1be0422c elementor-widget elementor-widget-text-editor\" data-id=\"1be0422c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<section class=\"content-area bg-white \"><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"dynamic-element text-element \"><p>One of the most important measures is the diversification of refinancing sources. In addition to conventional bank loans, companies should also consider alternative financing options such as crowdfunding, factoring or bond issues. The different maturities of the refinancing instruments also play a decisive role. Hedge management can be used to carry out a maturity transformation (e.g. from Euribor 1M to swap rate 1 year) or a transfer from variable to fixed interest cash flows.<\/p><p>With a skilful combination of different measures, tailored to the company&#8217;s activities, the refinancing risk and the associated costs can be significantly reduced and financial flexibility increased.<\/p><\/div><\/div><\/div><\/div><\/section>\t\t\t\t\t\t\t\t<\/div>\n\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-3ce1cdc4 wrapper pt-xl pb-xxl e-flex e-con-boxed e-con e-parent\" data-id=\"3ce1cdc4\" 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<div class=\"elementor-element elementor-element-2b350bb4 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"2b350bb4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54b513cc pb-m elementor-widget elementor-widget-heading\" data-id=\"54b513cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Do you require further information on the subject of \u2018Refinancing and investment policy\u2019? Please feel free to contact us directly!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29fa5adf elementor-widget elementor-widget-template\" data-id=\"29fa5adf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"9312\" class=\"elementor elementor-9312 elementor-1170 elementor-1170\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-5cd3902 e-flex e-con-boxed e-con e-parent\" data-id=\"5cd3902\" 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-ab156c7 elementor-button-align-start bewerbungsformular elementor-widget elementor-widget-form\" data-id=\"ab156c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;N\\u00e4chster&quot;,&quot;step_previous_label&quot;:&quot;Voriger&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"Allgemeinformular\" aria-label=\"Allgemeinformular\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"9312\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"ab156c7\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tName\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tE-Mail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-note elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-note\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tNote\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-sm\" name=\"form_fields[note]\" id=\"form-field-note\" rows=\"4\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-checkbox elementor-field-group elementor-column elementor-field-group-callback elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-callback\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tRequest callback\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<div class=\"elementor-field-subgroup  elementor-subgroup-inline\"><span class=\"elementor-field-option\"><input type=\"checkbox\" value=\"Yes, I would like to request a callback\" id=\"form-field-callback-0\" name=\"form_fields[callback]\"> <label for=\"form-field-callback-0\">Yes, I would like to request a callback<\/label><\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-phone elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-phone\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tTelephone\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[phone]\" id=\"form-field-phone\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" pattern=\"[0-9()#&amp;+*-=.]+\" title=\"Only numbers and phone characters (#, -, *, etc) are accepted.\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-acceptance elementor-field-group elementor-column elementor-field-group-data_privacy elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-data_privacy\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tData privacy\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-subgroup\">\n\t\t\t<span class=\"elementor-field-option\">\n\t\t\t\t<input type=\"checkbox\" name=\"form_fields[data_privacy]\" id=\"form-field-data_privacy\" class=\"elementor-field elementor-size-sm  elementor-acceptance-field\" required=\"required\">\n\t\t\t\t<label for=\"form-field-data_privacy\">* By submitting my data, I agree that it will be stored by UNIORG Solutions GmbH and used for the purpose of contacting me in relation to my enquiry, self-promotion, appointments and information. Personal data, private addresses and e-mail addresses will of course be treated confidentially and will not be passed on to third parties.<\/label>\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-hcaptcha elementor-field-group elementor-column elementor-field-group-hcaptcha elementor-col-100\">\n\t\t\t\t\t<div class=\"elementor-field\" id=\"form-field-hcaptcha\"><div class=\"elementor-hcaptcha\">\t\t<input\n\t\t\t\ttype=\"hidden\"\n\t\t\t\tclass=\"hcaptcha-widget-id\"\n\t\t\t\tname=\"hcaptcha-widget-id\"\n\t\t\t\tvalue=\"eyJzb3VyY2UiOlsiZWxlbWVudG9yLXByb1wvZWxlbWVudG9yLXByby5waHAiXSwiZm9ybV9pZCI6MH0=-da74aa955994d8b33cc93fdd5db54e01\">\n\t\t\t\t<h-captcha\n\t\t\tclass=\"h-captcha\"\n\t\t\tdata-sitekey=\"b132ee04-3e7e-4ed0-b920-d8a2e35cad84\"\n\t\t\tdata-theme=\"light\"\n\t\t\tdata-size=\"normal\"\n\t\t\tdata-auto=\"false\"\n\t\t\tdata-ajax=\"false\"\n\t\t\tdata-force=\"false\">\n\t\t<\/h-captcha>\n\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Sending<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\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<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"featured_media":8962,"template":"","insights-kategorie":[66,149],"class_list":["post-10798","insights","type-insights","status-publish","has-post-thumbnail","hentry","insights-kategorie-blog","insights-kategorie-blog-en"],"_links":{"self":[{"href":"https:\/\/www.uniorg.de\/en\/wp-json\/wp\/v2\/insights\/10798","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.uniorg.de\/en\/wp-json\/wp\/v2\/insights"}],"about":[{"href":"https:\/\/www.uniorg.de\/en\/wp-json\/wp\/v2\/types\/insights"}],"version-history":[{"count":8,"href":"https:\/\/www.uniorg.de\/en\/wp-json\/wp\/v2\/insights\/10798\/revisions"}],"predecessor-version":[{"id":13934,"href":"https:\/\/www.uniorg.de\/en\/wp-json\/wp\/v2\/insights\/10798\/revisions\/13934"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.uniorg.de\/en\/wp-json\/wp\/v2\/media\/8962"}],"wp:attachment":[{"href":"https:\/\/www.uniorg.de\/en\/wp-json\/wp\/v2\/media?parent=10798"}],"wp:term":[{"taxonomy":"insights-kategorie","embeddable":true,"href":"https:\/\/www.uniorg.de\/en\/wp-json\/wp\/v2\/insights-kategorie?post=10798"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}