{"id":3711,"date":"2026-09-25T12:52:11","date_gmt":"2026-09-25T10:52:11","guid":{"rendered":"https:\/\/xn--k2a-raunovodstvo-x7b.si\/?post_type=novica&p=3711"},"modified":"2026-09-21T12:53:02","modified_gmt":"2026-09-21T10:53:02","slug":"business-financing-slovenia-2026","status":"publish","type":"novica","link":"https:\/\/staging.xn--k2a-raunovodstvo-x7b.si\/en\/novica\/business-financing-slovenia-2026\/","title":{"rendered":"Business Financing Is Becoming More Expensive \u2013 Why Financial Resilience Matters"},"content":{"rendered":"

Slovenian companies remain in a relatively strong financial position<\/h3>\n

Slovenian companies ended 2025 with strong financial results.<\/p>\n

According to figures presented at the 2026 Financial Forum of the Chamber of Commerce and Industry of Slovenia, Slovenian companies generated approximately \u20ac7.34 billion in net profit<\/strong> in 2025.<\/p>\n

Corporate indebtedness remains relatively low and liquidity remains high. However, financing conditions are changing.<\/p>\n

New borrowing is becoming more expensive<\/h3>\n

Interest rates on new business loans have been increasing since the beginning of 2026.<\/p>\n

For companies financing investments through bank loans, even a relatively small increase in the interest rate can significantly increase the total cost of financing.<\/p>\n

When planning a new investment, businesses should therefore consider more than just the amount they intend to borrow.<\/p>\n

They should also assess the cost of interest, repayment period, expected cash flow and the effect of new debt on overall liquidity.<\/p>\n

Profit does not automatically mean financial security<\/h3>\n

A company can be profitable while simultaneously experiencing cash-flow problems.<\/p>\n

This can happen because customers are paying slowly, inventories are increasing, major investments are being made or operating costs are rising faster than expected.<\/p>\n

This is why liquidity and payment discipline were among the central issues discussed at the 2026 Financial Forum.<\/p>\n

Financial resilience should not be built only when a company suddenly needs additional cash.<\/p>\n

The best time to build it is while the business is performing well.<\/p>\n

What should management monitor?<\/h3>\n

In addition to revenue and profit, management should regularly monitor:<\/p>\n

cash flow \u2192 outstanding receivables \u2192 customer payment terms \u2192 debt levels \u2192 financing costs \u2192 available liquidity.<\/strong><\/p>\n

Identifying potential problems early gives a company significantly more options for responding to them.<\/p>\n

Accounting data should support business decisions<\/h3>\n

Accounting is therefore much more than preparing VAT returns and annual financial statements.<\/p>\n

Reliable monthly financial information can show management whether the company generates sufficient cash flow to finance investments, repay debt and support further growth.<\/p>\n

\ud83d\udc49 K2A advises:<\/strong> Build your company’s financial resilience while business is performing well. Once liquidity problems appear, the available room for manoeuvre becomes much smaller.<\/p>\n","protected":false},"excerpt":{"rendered":"

Slovenian companies remain in a relatively strong financial position Slovenian companies ended 2025 with strong financial results. According to figures presented at the 2026 Financial Forum of the Chamber of Commerce and Industry of Slovenia, Slovenian companies generated approximately \u20ac7.34 billion in net profit in 2025. Corporate indebtedness remains relatively low and liquidity remains high. […]<\/p>\n","protected":false},"author":2,"featured_media":0,"template":"","class_list":["post-3711","novica","type-novica","status-publish","hentry"],"yoast_head":"\nBusiness Financing Is Becoming More Expensive in 2026 | K2A<\/title>\n<meta name=\"description\" content=\"Slovenian companies remain relatively liquid and moderately indebted, but borrowing costs are rising. 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