{"id":14310,"date":"2026-05-07T17:05:39","date_gmt":"2026-05-07T15:05:39","guid":{"rendered":"https:\/\/x-group.de\/bank-financing-and-the-7-showstoppers-entwurf\/"},"modified":"2026-10-13T15:05:59","modified_gmt":"2026-10-13T13:05:59","slug":"bank-financing-and-the-7-showstoppers","status":"publish","type":"post","link":"https:\/\/x-group.de\/en\/bank-financing-and-the-7-showstoppers\/","title":{"rendered":"Bank Financing \u2013 and the 7 Showstoppers"},"content":{"rendered":"<div id=\"xg-preview-v2\">\n<header class=\"xg-head\">\n<div class=\"xg-wrap xg-head-inner\"><a aria-label=\"X-Group homepage\" class=\"xg-logo\" href=\"https:\/\/x-group.de\/en\/\"><img decoding=\"async\" alt=\"X-Group\" height=\"47\" src=\"https:\/\/x-group.de\/wp-content\/uploads\/2023\/06\/X-GROUP-logo-250x86.png\" width=\"126\"\/><\/a><button aria-controls=\"xg-main-nav\" aria-expanded=\"false\" class=\"xg-menu-toggle\">Menu<\/button><\/p>\n<nav aria-label=\"Main navigation\" class=\"xg-nav\" id=\"xg-main-nav\">\n<details>\n<summary>Financing<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/startup-financing\/\">Start-up Financing<\/a><a href=\"https:\/\/x-group.de\/en\/kfw-startgeld\/\">KfW StartGeld<\/a><a href=\"https:\/\/x-group.de\/en\/financing-rejected\/\">Financing Rejected<\/a><a href=\"https:\/\/x-group.de\/en\/business-acquisition-financing\/\">Business Acquisition<\/a><a href=\"https:\/\/x-group.de\/en\/restaurant-financing\/\">Gastronomy<\/a><a href=\"https:\/\/x-group.de\/en\/restaurant-acquisition-financing\/\">Restaurant Takeover<\/a><a href=\"https:\/\/x-group.de\/en\/medical-practice-acquisition-financing\/\">Practice Takeover<\/a><a href=\"https:\/\/x-group.de\/en\/pharmacy-financing\/\">Pharmacy<\/a><a href=\"https:\/\/x-group.de\/en\/retail-financing\/\">Retail<\/a><a href=\"https:\/\/x-group.de\/en\/trades-business-financing\/\">Craft Business<\/a><a href=\"https:\/\/x-group.de\/en\/financing-check\/\">Financing Check<\/a><\/div>\n<\/details>\n<details>\n<summary>Funding<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/startup-grant\/\">Start-up Grant (Gr\u00fcndungszuschuss)<\/a><a href=\"https:\/\/x-group.de\/en\/avgs-startup-coaching\/\">AVGS Start-up Coaching<\/a><a href=\"https:\/\/x-group.de\/en\/bafa-consulting\/\">BAFA Consultancy Funding<\/a><a href=\"https:\/\/x-group.de\/en\/funding\/\">Overview of Funding Options<\/a><\/div>\n<\/details>\n<details>\n<summary>Services<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/services\/\">All Services &amp; Packages<\/a><a href=\"https:\/\/x-group.de\/en\/business-plan\/\">Business Plan<\/a><a href=\"https:\/\/x-group.de\/en\/financial-plan\/\">Financial Plan<\/a><a href=\"https:\/\/x-group.de\/en\/services\/#module\">24 Advisory Modules<\/a><\/div>\n<\/details>\n<details>\n<summary>Best Cases<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/client-results\/\">Client Results &amp; Videos<\/a><\/div>\n<\/details>\n<details>\n<summary>About Us<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/daniel-schaefer\/\">Daniel Sch\u00e4fer<\/a><a href=\"https:\/\/x-group.de\/en\/team\/\">Team &amp; X-Group<\/a><a href=\"https:\/\/x-group.de\/en\/contact\/\">Contact<\/a><a href=\"https:\/\/x-group.de\/en\/links\/\">All Appointments &amp; Direct Links<\/a><\/div>\n<\/details>\n<details>\n<summary>Knowledge &amp; Free Resources<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/knowledge\/\">Knowledge &amp; Guides<\/a><a href=\"https:\/\/x-group.de\/en\/downloads\/\">Forms &amp; Downloads<\/a><a href=\"https:\/\/www.youtube.com\/channel\/UCmlJMIv8lRTEkXNHcFzQtZw\/\">YouTube<\/a><\/div>\n<\/details>\n<\/nav>\n<p><a class=\"xg-btn xg-head-cta\" href=\"https:\/\/x-group.de\/en\/financing-check\/\">Financing Check<\/a><\/div>\n<\/header>\n<p><main><\/p>\n<section class=\"xg-page-hero\">\n<div class=\"xg-wrap\"><span class=\"xg-eyebrow\">Knowledge &amp; resources \u00b7 Germany<\/span><\/p>\n<h1>Bank Financing \u2013 and the 7 Showstoppers<\/h1>\n<p>Original article: 2026-05-07. English translation. Programme details reflect the original publication date.<\/p>\n<\/div>\n<\/section>\n<section class=\"xg-section\">\n<div class=\"xg-wrap xg-article-body\">\n<h1>Opening a restaurant or retail business: How to secure bank financing \u2013 and these are the 7 showstoppers<\/h1>\n<p><strong>Category:<\/strong>\u00a0Business Plan &amp; Financing |\u00a0<strong>Author:<\/strong>\u00a0Daniel Sch\u00e4fer |\u00a0<strong>Reading time:<\/strong>\u00a08 min.<br \/>\n<strong>Meta description:<\/strong>\u00a0Applying for bank financing for a restaurant or retail business? Discover the 7 most common reasons for rejection and what a bank-ready business plan really needs to look like.<\/p>\n<hr\/>\n<p>If you want to open a restaurant or a retail business, you need a very good business plan. Banks have become particularly cautious in these sectors \u2013 they not only check whether your application is complete, but also whether it is plausible and whether you have everything you truly need. Underestimating this risks rejection \u2013 and you may lose valuable time and often the best location.<\/p>\n<hr\/>\n<h2>Contents<\/h2>\n<ol>\n<li>Why time is your greatest enemy<\/li>\n<li>Who are you actually writing your business plan for?<\/li>\n<li>The 3 most important showstoppers \u2013 and how to avoid them<\/li>\n<li>What makes a business plan ready for financing<\/li>\n<li>How long does the entire process take?<\/li>\n<li>Our tip: Start with a dummy location<\/li>\n<li>Conclusion and next steps<\/li>\n<\/ol>\n<hr\/>\n<h2>Why time is your greatest enemy<\/h2>\n<p>As soon as you have a good business idea and are scouting initial locations, the clock starts ticking. Good locations are in high demand \u2013 and a landlord will not wait months for a bank approval.<br \/>\nIf you only start working on your business plan once you have found a location, you will lose two to four months in practice \u2013 and often exactly the location for which the concept was created. Our experience shows: By the time the bank approval finally arrives, the original location is, in most cases, already rented to someone else.<\/p>\n<blockquote><p><strong>Important:<\/strong>\u00a0Start preparing your business plan as early as possible \u2013 ideally before you have found the final location.<\/p><\/blockquote>\n<hr\/>\n<h2>Who are you actually writing your business plan for?<\/h2>\n<p>Most founders think of the bank as the only recipient of the business plan. In reality, you usually have at least three to five different audiences:<br \/>\n<strong>The bank<\/strong>\u00a0\u2013 for the external financing of your venture.<br \/>\n<strong>The landlord<\/strong>\u00a0\u2013 you must apply as a reliable tenant and convince them that your concept is viable.<br \/>\n<strong>The Employment Agency<\/strong>\u00a0\u2013 if you are currently employed or seeking work, there are funding programmes for which you will need a well-developed concept.<br \/>\n<strong>Investors<\/strong>\u00a0\u2013 if you wish to raise private equity capital.<br \/>\n<strong>Consulting funding<\/strong>\u00a0\u2013 for subsidies on consulting costs through government programmes.<br \/>\nEach of these recipients has different expectations. A truly professional business plan takes this into account from the outset.<\/p>\n<hr\/>\n<h2>The 3 most important showstoppers \u2013 and how to avoid them<\/h2>\n<h3>Showstopper 1: No secured location<\/h3>\n<p>For gastronomy and retail, as in the property sector, it\u2019s all about location, location, location. A poor or unsecured location is one of the most common reasons for rejection.<br \/>\nOur urgent advice: Always keep at least three potential locations in reserve. In the bank financing process, you will typically lose the first and sometimes even the second location. If you have a third or fourth option in the pipeline, you can simply adapt your business plan \u2013 instead of starting from scratch.<\/p>\n<h3>Showstopper 2: No equity capital<\/h3>\n<p>Anyone who relies 100% on external capital will almost certainly receive a rejection. The trend among banks is clear: the more equity you contribute, the more willing the bank is to finance the remainder.<br \/>\nThe safest starting point is a 50\/50 split: you provide half of the required capital, and the bank provides the other half. If you contribute only 10 to 20% equity, there is still a significant risk of rejection.<\/p>\n<h3>Showstopper 3: Poor credit rating \u2013 Schufa and Krefo score<\/h3>\n<p>In addition to your personal credit rating (Schufa score), banks also check the Krefo score for existing entrepreneurs \u2013 this is your company\u2019s rating by Creditreform. Anything above 300 points is considered critical and usually leads to rejection.<br \/>\nIf you have a current or previous business and have failed to regularly submit figures to Creditreform, you risk a poor score \u2013 often without realising it. So check this early and bring your score into the positive range before submitting your application.<\/p>\n<blockquote><p><strong>Note:<\/strong>\u00a0There are further showstoppers \u2013 for example, meeting the requirements for a liquor licence. We are happy to discuss the full list with you in a free initial consultation.<\/p><\/blockquote>\n<hr\/>\n<h2>What makes a business plan ready for financing<\/h2>\n<h3>Step 1: The checklist appendix<\/h3>\n<p>Before you write a single line of text, you need a complete checklist of all the documents the bank expects. If even one essential document is missing when you submit your application, the documents will be returned \u2013 and you will lose another two to four weeks.<br \/>\nDifferent documents take different amounts of time to obtain. A certificate of good standing from the tax office, a current annual financial statement from your tax adviser, or a commercial register extract \u2013 all of these take time. If you start gathering these the day before your bank appointment, you will fail.<br \/>\nA clear checklist on two A4 pages shows you: once everything is ticked off, you are 100% ready to apply to the bank.<\/p>\n<h3>Step 2: The financial section \u2013 before any text is written<\/h3>\n<p>The financial section is the foundation. Here, calculations are made and it is checked whether your business model is economically viable \u2013 using the actual rents, investments, deposits, taxes, and the capital service for interest and repayment. Only when the financial section is 100% plausible and demonstrates that the business can pay you, your employees, the state, and the bank does the real text work begin. This is the mistake most people make: they download a text template from the internet and add the numbers afterwards. That does not work \u2013 and banks notice it immediately.<\/p>\n<h3>Step 3: The text section \u2013 your silent salesperson<\/h3>\n<p>The text section describes what the financial section proves. It explains you as a person, your idea, the location, the competition, and the business model. No business plan is the same \u2013 it must be tailored to your project, your location, your capital structure, and your team. Important: The decision-maker at the bank will probably never meet you in person. Your business plan is your representative on their desk. It must convince on its own.<\/p>\n<hr\/>\n<h2>How long does the entire process take?<\/h2>\n<p>Preparing a complete, bank-ready business plan takes between two weeks and two months, depending on your prior work. In addition, there is the actual bank process: you usually do not go to just one bank, but your main bank also submits applications to funding institutions such as KfW or the state bank. These take another three to four weeks. If a guarantee bank is also involved, a total of two to three months is not uncommon.<\/p>\n<blockquote><p>\u00a0<strong>So plan realistically:<\/strong>\u00a0From the idea to bank approval, four to five months can pass. If you start too late, you risk losing the location.<\/p><\/blockquote>\n<hr\/>\n<h2>Our tip: Start with a dummy location<\/h2>\n<p>You do not have to wait until you have found the perfect location. Start with a hypothetical sample location and prepare your business plan and financial plan on this basis. Rental costs, deposit, renovation needs, and market situation can be updated later. This way, you will quickly have an 80 to 90 percent complete business plan \u2013 and when you then compare two or three specific locations, you simply enter the figures and immediately see which location is truly economically worthwhile.<\/p>\n<hr\/>\n<h2>Conclusion: Do not waste time<\/h2>\n<p>From a bank&#8217;s perspective, gastronomy and retail are high-risk sectors. A complete, plausibly calculated, and individually prepared business plan is not optional \u2013 it is the basic requirement for a financing commitment. The key points at a glance: start early, have several locations ready, bring sufficient equity, and proactively check your creditworthiness. And above all: numbers first, text afterwards. Good news regarding costs: If you are seeking work or unemployed, you can receive vouchers from the Employment Agency that cover up to 100% of the consultancy costs. 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