Nobody has a crystal ball, but some developments are predictable!
This applies to financing matters as well!
As a Debt Adviser, there are developments I consider very likely:
1. The economic recovery in Germany will continue to keep us waiting… - even the state-driven push from the special fund has yet to make its way into the real economy.
2. The 2025 annual financial statements of most companies have shown weaker key figures than the 2024 balance sheets - with corresponding adverse effects on banks' credit ratings.
This trend will continue for a great many companies with the 2026 annual financial statements.
👉 There is still time in Q4 to optimize the balance sheet (e.g. the equity ratio) through leasing or sale & leaseback. Suppliers, customers, banks, and leasing companies all love this metric!
3. Due to the currently rising default rates and stricter regulatory requirements, banks will at the very least remain highly cautious in their lending, maintain or even reduce their exposure, and increase pricing (the additional costs from Basel IV have not yet been fully passed on to customers).
4. The takeover of Commerzbank by UniCredit appears to be a done deal.
And we all know: when it comes to exposure, 1 + 1 is significantly less than 2!
5. Equally, the old rule still applies: precisely when the upturn finally kicks in and orders start coming in, companies need liquidity.
👉 Make sure to build a liquidity buffer in good time!
👉 Diversify and stabilize your corporate financing by increasing the share of asset-based financing such as leasing!
👉 At the same time, optimize your balance sheet with an eye toward year-end 2026!
It's that simple: with leasing and sale & leaseback!
Let's talk!
Nobody has a crystal ball, but some developments are predictable!
