Germany
Munich sits at the centre of Germany's advanced engineering and automotive supply chain, and its lending market reflects that with strong asset finance and export finance capability. The city is also home to a sizeable insurance and technology sector, which brings additional depth to structured and growth lending options.
| Structure | Where it works |
|---|---|
| Export finance | Supports manufacturers shipping goods to international customers, often with credit insurance attached. |
| Asset finance | Standard for machine tools and production equipment across the engineering sector. |
| Term loan | Arranged through regional and cooperative banks familiar with the local industrial base. |
| Venture debt | Available to scaling technology and life sciences companies with existing investor backing. |
Export finance applications move faster with export credit insurance already in place, which lenders will usually require regardless.
Cooperative and regional banks can take slightly longer than national banks to reach decisions but often offer better pricing for established relationships.
Munich property and premises costs are high, so facility sizes for owner occupier purchases tend to run larger than in other German cities.
It is a well established structure locally, though lenders will typically expect export credit insurance to be in place before extending significant limits.
They tend to focus on longstanding local relationships and can be slower to onboard new customers, but often provide competitive pricing once a relationship is established.
It is most common in technology and life sciences, where investor backed growth companies use it to extend runway, but it is less typical in traditional manufacturing.
Tell us what the business in Munich needs and we will structure the request and approach the providers whose criteria match. No upfront fees, charges apply only once funding completes.
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