Working capital finance

Effective cash-flow and debt management are crucial to the success of any business.

From revolving lines of credit and trade-finance facilities to 'Buy now. Pay later.' options (Extended Payment Terms), working capital finance from Siemens is designed to provide flexibility and cost-effectiveness within a stable, long-term partnership. Whether your aim is to improve liquidity, establish lines of credit, optimize the maturity dates of your debt structure or consolidate and refinance debt when lower market rates beckon, there’s a Siemens working capital finance solution that’s right for you.

A Siemens representative can tell you more

Get in touch today

Financial products

Alternatives to traditional lending

With traditional lending options remaining restricted, more and more businesses are exploring alternative finance solutions. Working capital finance solutions from Siemens can be an important alternative to traditional credit lines.

Flexible, simple-to-access payment extensions

Manufacturing complex products can mean purchasing and paying for large quantities of goods and components - long before you actually sell the products you make to your customers and receive their payment. This can lead to a strain on your cash flow. To bridge the gap 'Buy now. Pay later.' option from Siemens provide an intelligent solution and an alternative to bank borrowing, enabling you to extend payment periods up to 180 days. It’s simple, fast and easy and helps you to manage working capital more effectively.

Global reach, local focus on finance

Asset-based lending solutions from Siemens are designed to help businesses manage their cash flow, providing greater financial flexibility for ongoing operational needs and organizational growth. Structured to provide a flexible source of working capital by “monetizing” assets on the balance sheet, they leverage Siemens’ significant industry expertise and marry this insight with innovative financial products, providing strength and commitment to clients around the world.


Revolving lines of credit

Financial services from Siemens provide lines of credit to free up working capital. You benefit from our ability to quickly determine advance rates on accounts receivable and inventory after considering important factors such as collection history, liquidation values of the assets, comfort with management, and the overall financial health of the organization.


Secured term loans

Your Siemens financing package can be customized to individual business, market and industry needs. Term loans are especially effective for refinancing long-term assets, financing capital expenditures, acquiring equipment or real estate and provide long-term amortization of assets.


Learn more about asset-based lending solutions from Siemens and download our brochure.


Where’s your nearest Siemens Financial Services expert?

With over 2,800 specialists  around the world, there’s always a Siemens Financial Services expert on hand to help you make your project a success with:

  • Quick responses
  • Sector expertise
  • Tailored solutions
  • Local know-how

Visit your country’s local site using the links below or get in touch with us here.


AustraliaBrazilCanadaChinaFinlandFranceGermanyIndiaMexicoNorwayPolandSingaporeSpainSwedenTurkeyUnited KingdomUnited Arab EmiratesUSA

Customer References

Finance enabling customer success

Siemens combines the industry experience needed to understand your individual vision with the financial know-how required to bring it to life, anywhere in the world. Learn more about how financial solutions from Siemens can help your business today.

Partnering with us

Financing to meet your needs

Siemens works both on a direct basis and through a strong and diverse network of financial intermediaries. Whether for your own business or a client’s business, you can gain quick, cost-effective access to the funding solution that best suits your needs.

Learn more about our working capital finance solutions

Contact Siemens today