Refinancing for SMEs


refinancing
for more
growth.

We help mid-market companies achieve significantly better loan terms — through AI-powered financial analysis, structured bank competition, and strictly confidential processes.

House BankCorporateBank 1CorporateBank 2CorporateBank 3CorporateBank 4DebtFund 1DebtFund 2DebtFund 3
up to 0% cheaper

through structured bank competition

AI-Powered Analysis

Strictly Confidential

Bank-Independent

Broad Lender Network

Lender Network

Access to Leading Banks and Debt Funds.

Deutsche Bank

Bank

Germany's largest bank with a global leveraged finance and corporate banking platform — providing syndicated loans, acquisition finance, and structured credit across Europe.

Frankfurt, Germany
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Commerzbank

Bank

Germany's second-largest listed bank and a key provider of corporate financing to the German Mittelstand — offering bilateral loans, club deals, and structured acquisition finance.

Frankfurt, Germany
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BayernLB

Bank

A Bavarian state bank with a strong focus on the German Mittelstand — providing tailored acquisition finance, club deals, and bilateral loans to mid-market and large corporates.

Munich, Germany
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UniCredit

Bank

One of the strongest leveraged finance and corporate banking franchises in Germany and Central Europe — providing acquisition financing, syndicated loans, and bilateral credit solutions.

Frankfurt, Germany
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LBBW

Bank

One of Germany's largest state banks with a prominent role in corporate finance and leveraged lending — providing acquisition finance, club deals, and syndicated credit across Germany and Europe.

Stuttgart, Germany
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Blackstone Credit

Debt Fund

One of the world's largest alternative credit managers with a comprehensive European direct lending platform — providing senior secured, unitranche, and junior debt solutions.

New York, USA
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Pemberton

Debt Fund

One of the largest European direct lending platforms — providing senior secured, unitranche, and first-lien facilities to mid-market and large-cap companies across Europe.

London, United Kingdom
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Arcmont

Debt Fund

A leading European private debt manager providing direct lending solutions to mid-market companies — with unitranche, senior secured, and second-lien facilities across Germany, France, and the UK.

London, United Kingdom
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Tikehau Capital

Debt Fund

A French alternative asset manager with a diversified credit platform — providing senior secured, unitranche, and mezzanine financing to mid-market and large-cap companies across Europe.

Paris, France
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Barings

Debt Fund

A global asset manager with an active private credit platform — providing senior secured, unitranche, and mezzanine debt to European mid-market companies across sponsor-backed buyouts, growth financings, and refinancings.

London, United Kingdom
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About

Why SmaRef?

About
01

Independent Advice

We are not affiliated with any bank and act solely in your interest — free from any conflict of interest.

02

Broad Bank Network

Access to national and international lenders, far beyond your house bank.

03

Results-Driven

Our success is measured by your savings. We work consistently towards your outcome.

04

AI-Powered & Confidential

AI-powered financial analysis for precise results — all data handled with strict confidentiality.

Services

What We Do for You

01

Financing Analysis

We analyse your existing credit structure, terms, and contract timelines. AI-powered evaluation identifies optimisation potential with high precision.

02

Bank Outreach

We approach a broad range of suitable lenders and prepare a structured, confidential information pack on your company.

03

Offer Comparison

We collect and compare all offers on a consistent basis — transparent, traceable, and free from conflicts of interest.

04

Negotiation & Closing

We lead negotiations with banks on your behalf and accompany you through to final signing of the optimised agreement.

SmaRef

Ready to achieve lasting reductions in your financing costs?

The initial consultation is free, non-binding, and strictly confidential.

Request a Consultation