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Laying the foundations for commercial success with the right financing structure.
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Today more than ever, a balanced financing structure that fits the business model or the respective project is an important component of a long-term corporate strategy and a building block for the company’s success as a whole. As part of Baker Tilly's holistic service portfolio, advising on all financing issues is therefore one of our core competencies.
Our experts at the Debt Advisory Competence Center analyze, design and implement the best possible financing structure for your business objectives. Benefit from our longstanding experience and financing expertise in the areas of banking and consulting as well as our extensive and resilient network of potential financing partners. We navigate you safely through the entire financing process and speak both languages: that of companies and entrepreneurs, but also that of financing partners. Thanks to our many years of banking experience, we are able to anticipate what you can expect from “the other side”. This provides you, right from the start, with a valid assessment of how your financing project can be realized and how possible obstacles can be removed.
Our Debt Advisory team has already successfully advised a large number of clients and transactions in a wide variety of constellations and sectors.
We advise you transparently and independently on all steps of the process, thus relieving the strain on your resources. Our experts at the Debt Advisory Competence Center organize the entire competitive financing process and support you in asserting your interests.
In Germany, loans from banks, savings banks and credit unions continue to be the dominant source of financing. As an independent financing advisor, we can show you other/alternative financing options in addition to traditional bank financing. Our experts at the Debt Advisory Competence Center have extensive and long-standing experience in all conceivable financing instruments, provide you with completely independent advice and implement your financing project together with you.
If your company is looking to realign its financing and the search for a suitable financing strategy for your company has perhaps only just begun, we are also the right partner for you. Our experts at the Debt Advisory Competence Center will analyze your current situation and incorporate already planned projects and defined goals into the development of a new, long-term sustainable financing strategy.
As part of the development of a customized financing strategy, we will discuss a wide range of issues with you, including:
Whether in the context of an upcoming financing, a company acquisition/sale, a reorganization in the shareholder structure or an internal restructuring, our experts in the Debt Advisory Competence Center bring transparency and security to the decision-making process by supporting your company in the development of reliable, scenario planning. Benefit from our established best-practice standards and many years of experience in developing fully integrated business plans and financial models.
Even small model errors can sometimes have a significant impact on the validity of an entire corporate plan. Our experts at the Debt Advisory Competence Center therefore support you with planning plausibility checks and financial model reviews. This provides both you and, if required, potential financing and negotiating partners with maximum certainty and transparency with regard to existing plans – regardless of whether these are your own plans or those of the other party.
Your rating is a key determinant for your financing partners and the basis for (credit) decisions. Would you like transparency, to know your own rating or simply to better understand why your bank assesses your company’s creditworthiness differently than you do? Our experts at the Debt Advisory Competence Center use a rating tool certified by the German Federal Financial Supervisory Authority (“BaFin”), which serves as the basis for a well-founded assessment of your own creditworthiness/rating: retrospective, current and prospective.
The BaFin-certified rating tool available to us is also used by a number of well-known banks. As is customary in the market, a distinction is made between quantitative and qualitative factors. Depending on your company's sector, rating-relevant key figures and the one-year “PD” (probability of default) of your company can be determined. The classification as investment grade or non-investment grade is particularly important, as this has implications for the financing costs, the available financing instruments and the financing structure.
Sustainability, energy, environment, innovation, digitalization, infrastructure – the eligible topics are just as diverse as the associated public funding instruments (including grants, financing, guarantees). Funding programs are offered in particular by
Benefit from attractive conditions by applying for funding before the project begins. It is generally also possible to combine several public subsidies in compliance with EU aid limits.
When concluding a financing agreement, you generally enter into a wide range of different obligations/covenants, including
Our experts at the Debt Advisory Competence Center analyze (if necessary, with the involvement of our legal advisors) your financing agreements and your reporting for market conformity, identify optimization potential and help you to meet your contractual obligations with sufficient certainty. Among other things, we create
Do you see a risk for your company that (i) contractual obligations, including financial covenants, cannot be met or (ii) financing partners or trade credit insurers intend to reduce or even terminate agreed credit lines or (iii) interest and repayments can no longer be made on time (ability to service debt)? Our experts at the Debt Advisory Competence Center will also be happy to assist you in stress situations (amendments/waiver requests) through to restructuring.
The sooner you start to take action and consider alternative solutions, the better the chances to avoid a veritable crisis. You should therefore contact our experts from the Debt Advisory Competence Center if discussions with your financing partners start to become difficult or if you need to find a way out of a delicate situation. Proactive but targeted communication is particularly important in weaker economic situations.
If your company's crisis situation has already deepened, the experts from our Competence Center Restructuring will also be happy to assist you. Thus, you receive everything from a single source across multiple teams.
Many well-known clients from all sectors have already placed their trust in our Debt Advisory team’s advisory services. We have experience with financing volumes in a wide range of size categories. Our clients include
At Baker Tilly, we work exclusively in the interests of our clients. It goes without saying that we act completely independently of financing partners and are free of any conflicts of interest. Benefit from our reputation, our excellent contacts to the financing partners’ decision-makers and our extensive, resilient network.
Markus Paffenholz
Partner, Head of Debt Advisory
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We have compiled the most important terms relating to financing for you in our glossary.
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Jan-Philipp BülowDirector
Bernhard GemmelPartner Attorney-at-Law (Rechtsanwalt), Maître en droit
Benjamin Kortmann, LL.M.Senior Manager
Stefan Lengermann, EMBA, LL.M.Director
Markus PaffenholzPartner, Head of Debt Advisory
Sebastian A. Wolff, Maître en droitDirector Attorney-at-Law (Rechtsanwalt)