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German corporate funding is still anchored on the Hausbank relationship, supported by savings banks, cooperative banks and promotional lending. Alongside that sits a large factoring and leasing market and a growing pool of international private credit funds interested in Mittelstand borrowers.
Relationship banking remains the default first port of call
Substantial factoring and leasing market for working capital
Promotional programmes available through the Hausbank channel
Expect HGB annual financial statements, current BWA management figures with a SuSa balance listing, and an up-to-date Handelsregister extract. Presentation matters: a well-prepared pack in the format credit officers already use shortens the process materially.
Where a bank relationship is constrained by an existing security position, an intercreditor discussion is usually needed before an alternative provider can move.
Factoring is widely used and competitively priced, particularly for suppliers into automotive, engineering and wholesale. Leasing and Mietkauf structures dominate equipment funding.
For larger tickets, Schuldschein placements and international private credit provide capital without the disclosure demands of a public bond, and are increasingly used for acquisitions and cross-border expansion.
Yes. Independent factoring companies, leasing providers and international funds lend to German companies routinely, subject to agreeing how security ranks against existing bank charges.
Two years of HGB accounts, current BWA and SuSa, a Handelsregister extract, aged receivables and, for asset deals, supplier invoices or valuations.
Describe your requirement once and we structure it, then approach providers active in Germany whose criteria match. There are no upfront fees — all charges are due only once funding is in place.
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