Play it safe - choose us!

The aim of the lending company is to provide the funded companies with earning power from which the credit may be repaid and bear interest.
Thus, any disturbance in the performance of the enterprise represents a risk to the debt service ability. And these disorders may also be induced environmentally.

The UMR-Guidance System allows to avoid allowance losses through eco risks or decreases in revenue in the utilization of collateral. Our principle: The environmental risks of the credit applicant must not turn into a credit risk to the bank!

We support you with active risk reduction as well as the advertising of good credits with applying a differentiated consulting system:

• Raising awareness and specific training of bank employees: In the meantime we have prepared about 1200 staff members with our hands-on training system to meet the high requirements for SME financing.
• Monitoring and technical support of your sales agents
• Environment specific credit-worthiness checks
• Regular care audits for the assessment of current environmental risk portfolios with medium and long term financing    
• Measure planning for credit applicants in a crisis
• Optimized utilization by our environmental vendor due diligence