AGSTEIN ADVISORY

Alternative To Loans

☘️ Alternative To Loans

Discover debt free capital, as an alternative to loans, as follows:

1. Access Debt Free Capital

We provide access to €1M–€250M of debt free capital — to start, expand, buy or sell a business, a property, a production or securities across 74 industries, for our clients to do business without assuming debt, loans or liabilities, for a refundable fee.

The capital is provided through a Non-recourse investment contract.

This means that the lender cannot pursue you, the borrower, if the investment capital is not repaid.

Next Step

To learn more, please share your objectives. We will then provide a binding proposal and the costs and benefits of our services, allowing you to compare with other service providers, for you to take an informed decision before making any commitment.

 

 

Which Capital Solution Is Right For You?

Compare your options — from a traditional bank loan to our full debt-free capital model.

Bank Loan Avoid

Traditional Bank Loan

You borrow from a bank. They attach conditions, collateral, and covenants to every penny. You carry the debt — and the risk — on your balance sheet.

★★★★★

2 / 5 stars

Efficiency

34%

Debt sits on your balance sheet
Collateral required — you risk your assets
Covenants restrict what you can do
Interest payments reduce your profitability
Bank can withdraw or recall at any time
Service 01

Alternative to Loans

For businesses that need capital but will not borrow. We replace the bank loan entirely with a clean, structured solution that carries no debt.

★★★★★

5 / 5 stars

Efficiency

88%

Bank loans & credit lines
Collateral requirements
Debt covenants & lender conditions
Balance sheet liabilities
Service 02

Debt-Free Capital

We build and deliver capital entirely without debt — using SPVs, revenue engineering, and asset-backed structures. If no assets exist, we create them.

★★★★★

5 / 5 stars

Efficiency

94%

Capital raised against future revenues
SPV — no liability on your balance sheet
New assets & IP created where none exist
Scalable across multiple SPVs & projects

Who is this for:


Manufacturing & Industrial Production 

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Why they need us

  • ❌ You need capital to produce at scale
    ✅ We prepay your production so you can scale instantly

  • ❌ Orders exist but cash flow limits output
    ✅ We convert orders into immediate liquidity

  • ❌ Growth is capped by working capital
    ✅ We remove production bottlenecks

Service Offered
👉 We buy your next 12–36 months of production upfront.

Our Core Service 👉 We offer €1M to €250M of debt free capital —for a refundable fee.

Example
€30M production prepaid → delivered over time → investors repaid

Who needs this
☎️ Manufacturers with large order books
☎️ Export companies scaling production
☎️ OEM suppliers with long-term contracts
☎️ Companies facing raw material constraints
☎️ Mittelstand firms with growth bottlenecks
☎️ Producers needing predictable cash flow


 

HVAC & Building Systems 

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Why they need us

  • ❌ Large upfront cost to buy inventory
    ✅ We finance inventory upfront so you can take bigger projects immediately

  • ❌ Limited cash flow slows down installations
    ✅ We unlock working capital so you can install more and faster

  • ❌ Missed contracts due to lack of funding
    ✅ We convert your pipeline into executable deals

Service Offered: 👉 We pre-purchase your future installations or bulk inventory

Our Core Service 👉 We offer €1M to €250M of debt free capital —for a refundable fee.

Example
€20M HVAC program: We fund equipment upfront → you install → revenues flow back

Who needs this
☎️ HVAC distributors scaling inventory
☎️ Installation companies with signed projects but limited cash
☎️ Facility management firms managing large contracts
☎️ Companies expanding into new regions
☎️ Contractors missing bids due to funding gaps
☎️ Businesses with strong pipelines but weak working capital


☀️ Solar & Energy Projects 

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Why they need us

  • ❌ Projects delayed due to lack of upfront capital
    ✅ We fully fund projects so you can build immediately

  • ❌ Bank financing is slow and restrictive
    ✅ We provide capital without debt or credit pressure

  • ❌ You have signed projects but cannot execute them
    ✅ We turn your pipeline into funded assets

Service Offered
👉 We fund your projects upfront and get repaid from energy sales.

Our Core Service 👉 We offer €1M to €250M of debt free capital —for a refundable fee.

Example
€50M solar farm funded → repaid via energy contracts (PPA)

Who needs this
☎️ Developers with approved but unfunded projects
☎️ EPC contractors waiting for financing
☎️ Energy companies scaling portfolios
☎️ Firms with PPAs but no build capital
☎️ Companies expanding internationally
☎️ Operators replacing bank financing


🚚 Logistics & Supply Chain 

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Why they need us

  • ❌ You have contracts but lack capital to scale fleet/operations
    ✅ We monetize your contracts upfront

  • ❌ Expansion requires trucks, warehouses, staff
    ✅ We fund growth without loans

  • ❌ Cash flow tied to long payment cycles
    ✅ We bring future revenues forward

Service Offered
👉 We buy your next 12–36 months of  logistics contracts upfront.

Our Core Service 👉 We offer €1M to €250M of debt free capital —for a refundable fee.

Example
€15M contracts → capital advanced today → repaid from operations

Who needs this
☎️ Logistics firms with long-term contracts
☎️ Companies expanding fleet capacity
☎️ 3PL providers scaling operations
☎️ E-commerce logistics companies growing fast
☎️ Firms with delayed payment cycles
☎️ Operators entering new markets


Food Production & Agriculture 

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Why they need us

  • ❌ You need capital before harvest/production
    ✅ We pre-finance your production cycle

  • ❌ Seasonal cash gaps create pressure
    ✅ We stabilize your cash flow

  • ❌ Growth depends on upfront investment
    ✅ We unlock scale without loans

Service Offered
👉 We buy your future harvest or production.

Our Core Service 👉 We offer €1M to €250M of debt free capital —for a refundable fee.

Example
€10M crop output financed → delivered → resold → repaid

Who needs this
☎️ Farmers scaling production
☎️ Food processors expanding output
☎️ Exporters with large orders
☎️ Seasonal businesses with cash gaps
☎️ Agri-companies entering new markets
☎️ Producers needing upfront capital


Legal & Professional Services (Underrated)

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Why they need us

  • ❌ Growth is limited by hiring and client acquisition costs
    ✅ We fund expansion and new revenue generation

  • ❌ You rely only on organic growth
    ✅ We accelerate revenue creation

  • ❌ High potential but under-leveraged capacity
    ✅ We convert capability into scalable income

Service Offered
👉 We buy your next 12–36 months of Legal & Professional Services.

Our Core Service 👉 We offer €1M to €250M of debt free capital —for a refundable fee.

Example
€5M–€20M growth program → repaid from new revenues

Who needs this
☎️ Law firms expanding teams
☎️ Consulting firms scaling clients
☎️ Accounting firms growing services
☎️ Firms entering new markets
☎️ Businesses with strong reputation but limited scale
☎️ Partners seeking faster revenue growth


Real Estate Developers 

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Why they need us

  • ❌ Projects depend on bank approval
    ✅ We fund developments independently of banks

  • ❌ Equity requirements slow down deals
    ✅ We enable faster project execution

  • ❌ Capital constraints limit pipeline
    ✅ We unlock multiple projects simultaneously

Service Offered
👉 We finance development without traditional debt.

Our Core Service 👉 We offer €1M to €250M of debt free capital —for a refundable fee.

Example
€25M project funded → repaid via sales or rental income

Who needs this
☎️ Developers with stalled projects
☎️ Companies limited by bank financing
☎️ Investors scaling property portfolios
☎️ Firms managing multiple developments
☎️ Builders needing faster execution
☎️ Groups expanding into new cities


Our Core Service

Our Core Service 👉 We offer €1M to €250M of debt free capital —for a refundable fee.


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