Your project needs more than just a good idea. It needs suitable financing.
Financing begins with a complete calculation: purchases, ongoing costs during the start-up phase, and a reserve. Only then can you decide which of your own funds, loans, or funding options suit your project.
Daniel Schäfer & the X-Group teamPersonal support with planning, funding, and financing ↗
View the capital requirements in full.
For founders with investment or working capital needs and young businesses looking to finance their next step.
What do you need the money for?
List machinery, equipment, goods, start-up costs, and ongoing expenses separately. Add quotations or reasonable estimates.
When do you need it?
Assign incoming and outgoing payments to the relevant months. A planned profit is of no help if invoices are due beforehand.
How will it be repaid?
Show how revenue, costs, and available funds will develop. Derive your revenues from prices, customer numbers, or orders.
You can bring the following.
- Brief description of the business model and target customers
- Investment quotations, cost list, and available own funds
- Business plan, revenue and cost planning, liquidity plan
- CV and any existing bank feedback
We will work on this with you.
- Complete capital requirements and start-up costs together
- Check assumptions in the business and financial plan for inconsistencies
- Identify financing components and relevant contacts
- Compile documents for the enquiry and prepare for follow-up questions
This is our approach.
- 01
Discuss initial situation
Record the project, existing documents, and outstanding questions.
- 02
Agree on scope
Define services, required information, and costs.
- 03
Prepare documents
Work together on agreed content and figures.
- 04
Prepare the next step
Record results, responsibilities, and outstanding points.
A specific client case
Dominik Fischer
Acolyne · E-Commerce
External capital was needed for the FBA business; several banks initially declined.
What was processed: Together with X-Group, the business plan was revised for financing.
The published client case describes subsequent KfW financing.
View the full client case ↗Individual case from published X-Group client reports. No guarantee for other projects.
Frequently asked questions
Do I need to have a finished business plan already?
No. Bring your current draft. It is important to distinguish between substantiated figures and assumptions.
Can I also include ongoing costs in the plan?
Yes, the start-up phase should be included in the capital requirements and liquidity planning. Whether a programme finances certain working capital depends on its conditions.
Which financing is best for me?
This can only be determined based on the project, capital requirements, repayment capacity, and funding conditions. A single programme does not automatically suit every case.
What does working together cost?
The initial consultation is free of charge. For further services, scope and costs are agreed before engagement. Whether funding is possible depends on your case and the necessary approval.
What happens after I submit my enquiry?
In the financing check, you describe your current situation. In a personal discussion, outstanding points and the required documents are clarified. Afterwards, it can be determined which work is appropriate.
Can I start with incomplete documents?
Yes. Bring any drafts you have and a list of your open questions. Missing information and assumptions will be explicitly identified and added as the process continues.
Further professional sources: IHK: Components of the business plan · KfW: StartGeld and planning documents
Let’s clarify your next step.
Describe your project in the financing check or book a free initial consultation directly.
