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German Phrase

Wir haben auch Geschäftskredite.

/viːɐ̯ ˈhaːbən aʊ̯x ɡəˈʃɛftsˌkʁeːdiːtə/
Meaning"We also have business loans."
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Meaning

The sentence states that the speaker’s organization also provides business loans, emphasizing that this is an additional service alongside other offerings.

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When to use

Use this phrase when you want to inform a client, partner, or website visitor that your company offers business‑loan products in addition to other financial services. It works well in presentations, sales pitches, or on a corporate website.

✦Grammar Breakdown

WirhabenauchGeschäftskredite

1

Wir (personal pronoun)

Subject pronoun for 'we' in nominative case; used with plural verbs.

2

haben (verb)

Present tense of 'haben' (to have) for 1st person plural; forms the main verb of the sentence.

3

auch (adverb)

Means 'also' or 'too', placed before the noun phrase it modifies.

4

Geschäftskredite (compound noun, plural)

Compound of 'Geschäft' (business) + 'Kredit' (loan). Masculine noun; plural ending -e. Use the nominative plural form here.

🗨In Conversation

A

Bieten Sie Privatkredite an?

Do you offer personal loans?

Ja, wir haben auch Geschäftskredite.

Yes, we also have business loans.

B

✕Common Mistakes

  • Wir haben auch Geschäftskredit.

    The noun should be plural here because you are talking about loans in general.

  • Wir haben auch ein Geschäftskredit.

    Using the indefinite article 'ein' suggests a single loan; the sentence is about the service, not a specific loan.

  • Wir haben auch Geschäftskrediten.

    The dative plural 'Geschäftskrediten' is incorrect because the noun is the direct object in nominative case.

↔Alternatives

  • Wir bieten ebenfalls Geschäftskredite an.

    We also offer business loans.

  • Wir haben zudem Geschäftskredite.

    We also have business loans, in addition.

  • Wir stellen auch Firmenkredite bereit.

    We also provide corporate loans.

de

Cultural Tip

In German business communication, the term 'Geschäftskredit' sounds formal and is common in banking brochures. For a slightly more casual tone you can use 'Firmenkredit'. When speaking to customers, always keep a polite 'Sie' form unless you are on a familiar internal team. Also, remember that German nouns are capitalised, so 'Geschäftskredite' must start with a capital G.