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Alternative lending and services

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Latest posts by Daniel Bruell­mann (see all)

Alternative financial services compensate banks retreat. What can you do?

  • What altern­at­ives fin­an­cial ser­vices exist to arrange fin­an­cing, grow and pro­tect wealth, invest in or sell a com­pany, or save on oth­er services?
  • What can you do now to get your business financed?

  • You can make sure that your busi­ness is among those investors and lenders judge worth­while. And you can approach altern­at­ive sources.
  • You can do more your­self or hire some­body to do it for you. Doing it your­self is what large cor­por­a­tions and fam­ily offices gen­er­ally do and keeps you in full control.
  • Present your case the best way. If your case is fit­ting in lenders wishes, your good CFO and treas­ury might get bet­ter terms than in the past.
  • How­ever, if you do not need such cap­ab­il­it­ies on a recur­rent basis, you might not haven such full-time func­tions in-house, but you can talk to us.
  • How can you have your assets and liabilities correctly managed?

  • Pay an adviser for the ser­vices you were used to receive from the bank. It might save you money and provide you a not con­flic­ted res­ult. You prob­ably have been pay­ing for bank advice any­way through expens­ive products, cus­tody fees, exchange rates, etc. We are con­fid­ent that we will find poten­tial with altern­at­ive fin­an­cial services.
  • Plan for the longer term than the time hori­zon of banks salespeople. Think about and your suc­ces­sion, wealth pre­ser­va­tion with­in the fam­ily, invest­ments or sale of the com­pany or spe­cif­ic major assets and prop­er­ties. Such events should be pre­pared for long ahead.
  • How can you take advantage of rising opportunities

  • Crowd­fund­ing, peer-to peer lend­ing, tra­di­tion­al and altern­at­ive debt pro­viders, pay­ment ser­vices, brokers and all kind of Fintech plat­forms are grow­ing altern­at­ive fin­an­cial services.
  • How­ever, if you are not only buy­ing ser­vices but ask­ing for money, make your­self and your case attract­ive for the coun­ter­part, make your fin­an­cials under­stand­able and watch your rating.
  • You can eas­ily save money on smal­ler oppor­tun­it­ies such as for­eign exchange or stock brok­ing. As an example: a dif­fer­ence between bid and ask of bank cur­rency exchange rates 1-7%, depend­ing from amounts and cur­rency pairs, means 0.5 – 3.5% mar­gin on inter-bank rates. You, or we for sure can def­in­itely get bet­ter than that.
  • Mer­gers and Acquis­i­tion are becom­ing more dynam­ic also in the lower seg­ment. Rise and con­sol­id­a­tion of plat­forms allow an ever faster and broad­er reach to Investors. Talk to us if you want to get ready for such transactions.

Less lending and service from Banks?