BFS finance GmbH structures leasing, factoring and asset-based finance for SMEs and mid-market operators. Underwriting decisions in days, drawdowns in weeks, and a relationship team that answers the phone.
Six core facilities that can be structured independently or stacked. Every mandate is priced on the strength of the underlying asset, contract or cash-flow — not a one-size credit score.
Structured operating and finance leases for plant, machinery, commercial vehicles and specialist equipment. Terms from 24 to 84 months with residual-value optimisation and pass-through maintenance.
Convert receivables to cash in 24 hours. Recourse, non-recourse and confidential variants for domestic and export ledgers.
Learn more →Revolving credit facilities secured against inventory, plant and receivables. Ideal for seasonal or working-capital-intensive operations.
Learn more →Committed and uncommitted lines to smooth payables, VAT cycles and short-term inventory build. Draw and repay on demand.
Learn more →Import/export letters of credit, supplier-side dynamic discounting, and reverse factoring to protect margin on both sides of the contract.
Learn more →Unlock equity in owned real estate or plant while retaining operational control. Structured tax-efficiently and off-balance-sheet where permitted.
Learn more →We move at the pace of your business. Most facilities are structured, credit-approved and drawn within three weeks of first contact.
A 30-minute conversation to understand your operation, the asset or receivables in scope, and your target structure.
Day 1Written indicative pricing, tenor and covenants — non-binding, with a clear list of what our credit committee will need.
Day 2 – 4Dedicated analyst runs KYC, financial review and asset appraisal in parallel. Credit committee sits weekly.
Day 5 – 12Facility documented against a standard master agreement. First advance released the same day signatures land.
Day 13 – 21Indicative pricing for our standard facilities. Actual quotes are personalised — enter your requirement and our desk will come back within one business day.
A quick illustrative calculation — no credit search runs.
| Facility | Term | From |
|---|---|---|
| Equipment LeasingNew assets, full-payout | 36–60 mo | 5.90% |
| Equipment LeasingUsed / specialist assets | 24–48 mo | 6.75% |
| Invoice FactoringRecourse · domestic ledger | 30–90 d | 1.40% |
| Invoice FactoringNon-recourse · credit-insured | 30–120 d | 1.85% |
| Asset-Based LendingInventory & receivables | Revolving | 6.40% |
| Working Capital LineCommitted, 12-mo | 12 mo | 7.10% |
| Trade FinanceDocumentary L/C | Per shipment | 2.10% |
| Sale & LeasebackReal estate & plant | 5–7 yr | 7.20% |
Rates are indicative annualised percentages, expressed net of arrangement fees. Final pricing depends on credit assessment, asset class, tenor and covenant package. Regulated by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) under registration BaFin-ID: 50053291 Bak Nr.: 121970.
Our underwriting benches are staffed by former operators — people who understand the working-capital rhythm of your business before we discuss a rate.
Plant, machinery, tooling and production-line finance for discrete and process manufacturers.
€ 1.4B placedFleet leasing, trailers, cold-chain and warehouse handling assets across cross-border operators.
€ 890M placedExcavators, cranes, formwork and site-vehicle finance — with seasonal repayment holidays available.
€ 720M placedImaging, diagnostics, dental and lab equipment leasing for private clinics and specialist providers.
€ 410M placedHardware refresh cycles, data-centre kit, and ARR-based facilities for subscription businesses.
€ 380M placedInventory financing, seasonal factoring lines and supplier-side reverse-factoring programmes.
€ 400M placedThe team at BFS finance GmbH structured a € 3.2M sale-and-leaseback in less time than our bank took to acknowledge the enquiry. They understood the residual value of specialist plant better than we did.
Straight answers on structure, timing, cost and eligibility. Something not covered? Our advisors are one message away.
Our standard entry point is € 25,000 for equipment leasing and € 100,000 for factoring lines. Below that, our partner network offers straight-through digital products which we can refer you to.
Every facility is priced individually against reference rates (EURIBOR / SONIA / base), the asset or receivable's risk profile, tenor, ticket size and any credit enhancement. We publish indicative ranges — actual quotes typically fall within them once underwriting is complete.
We focus on operating businesses with at least 24 months of trading history. For younger companies we can consider factoring against contracted receivables from investment-grade counterparties.
BFS finance GmbH operates across 22 European jurisdictions. Cross-border facilities are documented under our master framework in English, with local legal opinions where required.
Typically: two years of audited accounts, latest management accounts, aged debtor and creditor listings, and for asset finance an invoice or specification for the equipment. Your relationship manager will send a tailored list after the first call.
Operating leases and non-recourse factoring can be structured off-balance-sheet under most reporting frameworks. Under IFRS 16 most leases now sit on-balance-sheet — we'll walk you through the treatment before signing.
Tell us what you're looking to finance and one of our sector specialists will call you back within one working day. No auto-responders, no call queues.