Refinancing should be your priority at current interest rates

• Bank loans and shareholder equity are the backbone of German SME financing in which banks have proved to be reliable partners throughout history. Nevertheless, they do not always provide the best rates, compared to a) their potential and b) to alternative financing solutions.

• Since the ECB has decreased the interest rate dramatically, it is clear that banks do not pass the benefits of lower interest rates to their customers. In contrast, their margins are remarkably higher than before the crisis. This offers a high potential to lower your financing costs.

• For short-term financing – including traditional credit lines or the implicit interest rates for factoring and leasing – as well as medium- and long-term refinancing, it is worth renegotiating with banks. 

We offer

• Savings potential on interest rates is high, provided having built up the necessary basis for negotiation. This includes a) getting offers from other banks, b) knowing in full detail the steps of the lending process, and c) a professional and prepared approach.

• Advantum Corporate Finance supports SMEs in negotiations with banks in order to get better financing terms as well as in finding and implementing alternative sources of financing.

• Due to our strong and broad banking network and extensive experience in the field of restructuring, we know what matters in the lending process. We will bring you on par with your bank during negotiations.