In 2025, approximately 40,000 new businesses were founded. At the same time, small and medium-sized enterprises—whether new or established—face a challenge that has hardly changed: anyone who wants to grow, modernize, or operate more efficiently has little choice but to invest in everyday equipment. IT equipment, restaurant technology, medical devices, or tools—the list is long, but available capital is often limited.
The key question, therefore, is not just whether to invest, but how. Traditional forms of financing have dominated the Austrian market so far. Newer, more flexible models are only slowly gaining ground, even though they may be the far more appropriate choice in some situations.
