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About usBlogDE / ENLog inRegister
May 31, 2023

What is a credit score, and why is it Important for business loans?

In the realm of business financing, credit scores play a vital role in determining an individual or company's creditworthiness. A credit score numerically represents an individual's or business's credit history, indicating their likelihood of repaying loans. This article will delve into the concept of credit scores, highlighting their significance for obtaining business loans.

2 min

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May 30, 2023

How fintech is disrupting the traditional lending industry

In recent years, the financial technology (fintech) industry has experienced exponential growth, revolutionizing various sectors within the financial landscape. One area that has undergone significant transformation is the traditional lending industry. Fintech companies have emerged as disruptors, leveraging technology and innovative business models to challenge traditional financial institutions.

3 min
May 16, 2023

Exploring alternative financing options for startups: Diversifying your funding strategy

While traditional funding sources like venture capital and bank loans have long been popular options, today's entrepreneurs have various alternative financing options at their disposal. This article will explore the world of alternative financing for startups, exploring innovative approaches to help founders fund their ventures and bring their ideas to life.

5 min
woman with wallet
April 28, 2023

Self-financing vs. debt financing: Exploring the advantages and disadvantages for business financing

Explore the advantages and disadvantages of self-financing and debt financing for businesses. Learn how to choose between these two financing options based on your goals and circumstances.

3 min
April 20, 2023

How to Choose the Right Financing Option for Your Business

As a business owner, you may need financing for various reasons, such as expanding operations, purchasing new equipment, or improving cash flow. However, choosing the right financing option for your business can be daunting, especially with so many available options. In this article, we'll guide you through the process of selecting the right financing option for your business.

3 min
April 3, 2023
Liquidity

Multibanking for Entrepreneurs: Why It's Advantageous and How to Use It

As an entrepreneur, you're likely managing multiple bank accounts for your business, including checking accounts, savings accounts, credit lines, and more. Keeping track of all your accounts can be a time-consuming and frustrating task. That's where multibanking comes in. In this article, we'll explore what multibanking is, how it works, and why it's advantageous for entrepreneurs.

3 min
March 2, 2023

2022 tax return: What small business owners need to pay attention to

In order keep back taxes as low as possible, small business owners need to know what they can deduct as business expenses in their tax returns. We show how companies can deduct all the important items – and explain what else they should look out for.

4 min
October 26, 2022

"As we all know, standing still means taking a step backward."

We spoke to our customer Markus Berl, founder of Berl-IT GmbH, about the challenges of supporting small and medium-sized enterprises on their way to digitization and what goals they want to achieve in the industry with the strongest demand and growth.

2 min
December 9, 2022

My goal is to be able to jet around the world in a hydrogen aircraft

In our conversation with Christine Zapodeanu from grau zu grün GmbH, we gained some fascinating insights into the prospects and difficulties of start-ups in the field of renewable energies. We also spoke with her about her business goals and visions as well as working together in a young team.

2 min
September 2, 2022

Interview with Der kleine Gourmet GmbH

"The current situation causes us more concern because it is difficult for a start-up to absorb all the price increases and delivery delays. Puls likes to keep talking to customers." – today, we are talking to Kim-Christin and Veronika Blecker from Hesse. Four years ago, they founded a spice start-up four years ago based on their mutual love of cooking. They now run an online business, which has 80 dealers in brick-and-mortar retail trade.

3 min
August 18, 2022

Interview with HYPOFACT

Several factors have played an aggravating role for SMEs when it comes to obtaining credit. First, a hard process of concentration and rationalisation has been taking place at the banks. The traditional house banks of SMEs – the cooperative banks and savings banks – are particularly affected by this. As a result, contact persons are lost, credit approval is made according to new rules and in an increasingly automated way, and changes in business policy often exclude entire sectors.

3 min
July 15, 2022
Use cases

Interview with Leon and Jens, the founders of mykraut

We enjoy talking to business founders – it's the only way Puls can find how to become even better and more user-friendly. In this one, we spoke to the founders of mykraut Leon und Jens about their journey since founding the company in 2018, why working with the B2B segment is both exciting and challenging, and how to finance big orders.

7 min
May 31, 2022
Use cases

Interview with Johannes Wüst, CEO of Service & Handel Wüst GmbH

Service & Handel Wüst GmbH is an up-and-coming trading company specialising in e-commerce. We spoke with CEO Johannes Wüst about the founding of the company as well as the difficulties that many e-commerce businesses are facing. We discussed the work process itself, the challenges in terms of funding, the typical difficulties associated with the Corona pandemic and the war in Ukraine, and the dark side of Amazon.

5 min
May 24, 2022

We're looking at you as a businessman

An entrepreneur is not only a profession but also a state of mind. An entrepreneur sees opportunities and tries to use them, often it happens that he has more than one business direction, but for the bank, they are different companies.

1 min
April 22, 2022

Avoid a tax penalty

Do you know that feeling: you are checking your mailbox, notice a letter from the tax office, and immediately think: What did I do wrong now? Do I have to pay anything extra? Or did I miss a deadline? 

1 min
April 21, 2022

Make a profit by paying subcontractors early

Subcontractors face long and unpredictable gaps between invoicing and payment. While awaiting payment, they still have to pay for materials, labor, and other project expenses. Therefore they offer early payment discounts to their contractors. 

1 min
March 22, 2022

Interview with Mevolute

mevolute helps you to integrate continuous improvement in everyday work. So your organization can thrive– no matter what challenge at hand! We asked mevolute five questions about why it's sometimes difficult to embrace new technologies.

3 min
March 17, 2022

New article about Puls Project by Börsen-Zeitung

Read when and how Puls Project was founded, why the founders feel they are in good hands with the "BaFin" and what happens to our colleagues from the IT department who live in Ukraine.

2 min
March 14, 2022

Why is Puls safe?

Many companies are afraid that their data will be used against them. We try to explain why our digital service is as secure as other online banking service providers on the market. Part of our system uses an interface that allows you to interact directly with the open banking provider.

3 min
March 7, 2022

Make peace not war – letter from our CEO

I am against the war, against Putin, against a regime that oppresses the country and attacks other peaceful nations. This should not happen in our civilized society and should be eradicated. People's dreams, plans, and lives have been destroyed in a week of the war, and there can be no excuse for it. 

1 min
February 23, 2022

FinTech vs banks – competition or collaboration? And which is best for my business?

Financial technology is shaking up financial services – and it’s no secret that FinTech is on the rise. Even still, as a company, it’s easy to question whether banks and FinTechs are competing or collaborating. And how do you decide which is best for your small business?

3 min
February 4, 2022

To earn a lot, you have to sell a lot

To earn a lot, you have to sell a lot. Most manufacturers know this very well. A small production of fine lemonades got the order to deliver 100,000 pieces to a big supermarket chain in a test phase.

1 min
February 1, 2022

If you fall into the liquidity gap – Puls will catch you

We hear often: Increase sales with incentives and promotions, plan everything ahead. But if those who tell this were businessmen, they would know how things really work: academically you should have planned everything long ago, but in real life, things are much more dynamic and unpredictable.

1 min
February 2, 2022

Is it necessary to grow as a business? 

Everyone says that businesses need to grow. Everyone would be happy to, but when a business is already doing well and you have to find a new market and money to expand, the idea ceases to be so tempting.

1 min
Running lady
February 3, 2022

Can new technology really help my small business grow?

We’re often told businesses that embrace new technology and adopt innovative ways of working benefit from more flexibility, efficiency — and ultimately increase profitability. So…simple decision, right? Not quite. While the benefits of implementing new technology in your business are well known, there is still a reluctance to do so.

5 min
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