How It Works

Your Path to Optimised Financing

A clear, structured process — from confidential initial consultation to implementation.

01

Initial Consultation

We get to know your company, financing structure, and objectives. This conversation is free, non-binding, and strictly confidential.

02

AI-Powered Financial Analysis

AI-powered analysis evaluates your existing loan agreements and determines the scope for optimisation — precisely, systematically, and discreetly.

03

Confidential Bank Process

We prepare a professional information pack and approach suitable banks. All enquiries are managed by us — your identity remains protected.

04

Transparent Offer Evaluation

You receive a clear, structured comparison of all offers. We recommend the best option and explain the differences.

05

Closing & Handover

After your decision, we accompany the contract closing and ensure a smooth transition to the optimised financing structure.

FAQ

Frequently Asked Questions

How long does a refinancing take?+

Typically 3 to 6 months — depending on the complexity of the financing structure and the number of institutions approached.

What does the advisory cost?+

Our fee is primarily success-based. The initial consultation is free and non-binding.

Do I have to switch away from my house bank?+

No. Our goal is to optimise your terms — not to switch at any cost. Often, competitive pressure alone improves your house bank's offer.

What documents do I need?+

Typically annual financial statements for the last 2–3 years and existing loan agreements. We guide you through the process step by step.

Is the process truly confidential?+

Yes. Banks and funds receive anonymised information only. Your name and company are disclosed solely with your explicit consent.

From what loan volume is advisory worthwhile?+

Generally from a loan volume of around EUR 1 million.

SmaRef

Start with step 1 — free and confidential.

The initial consultation is non-binding and immediately shows you the potential.

Request a Consultation