credX AG

Financing-as-a-Service

More efficient B2B financing

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Financing request

Lender profile

We connect capital borrowers and capital providers

Experienced real estate asset managers and developers

with ongoing financing needs (two transactions p.a., often much more)
professional acquisition and financing processes
substantial financing needs per individual transaction

Companies with good credit quality or even capital market capability if applicable

We serve as your extended workbench for financing tenders

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Comprehensive, up-to-date market information for structuring and project budgeting
Market-wide tenders in all common instruments
Quick answers from the capital providers without negative surprises in the further process
Significant reduction of capital costs through demonstrably more favorable financing, taking into account all relevant value drivers
Internal resources are relieved from administrative tasks
Covering peak loads
Full control over the process, all essential pieces of information are available on the platform at any time

Only performance-based transaction fees are incurred when using the platform. Cost advantages from economies of scale and digitization are taken into account. Fees are regulated by the price list and agreed transparently when an individual transaction is commissioned.

Comprehensive, up-to-date market information for structuring and project budgeting
Market-wide tenders in all common instruments
Quick answers from the capital providers without negative surprises in the further process
Significant reduction of capital costs through demonstrably more favorable financing, taking into account all relevant value drivers
Internal resources are relieved from administrative tasks
Covering peak loads
Full control over the process, all essential pieces of information are available on the platform at any time

Only performance-based transaction fees are incurred when using the platform. Cost advantages from economies of scale and digitization are taken into account. Fees are regulated by the price list and agreed transparently when an individual transaction is commissioned.

Deal advisors

with trust-based client relationships, which have usually developed over many years.
who intensively support their clients in the planning and implementation of their projects, for example, in the commercial analysis and budgeting of the project, sales and leasing options, price negotiations, etc.

Your customer portal and extended capital provider network

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Adding value for your clients through

Advanced and easier access to market information and capital providers
Digital user experience: high transparency and information security for you and your clients throughout the transaction process
Possible to present yourself with your own branding and client protection agreements

Optimization of your resources through

Relief from administrative activities
Best practice processes, which are digitalized and aligned with lenders

As a securities broker, we legally handle the intermediation (regulated by the German supervision BaFin acc. to WpIG). You are relieved from KYC tasks and can also raise capital for your client through us in the form of securities (e.g bonds).

Adding value to your clients by

expanded and easier access to information and lenders
digital user experience: high transparency and information security for you and your clients over the entire transaction
Possible appearance with own branding and customer protection agreements

Optimization of your resources:

Relieving the burden of administrative tasks
Best practice processes, which are digitalized and aligned with lenders

As a securities broker, we legally handle the intermediation (regulated by the German supervision BaFin acc. to WpIG). You are relieved from KYC tasks and can also raise capital for your client through us in the form of securities (e.g bonds).

Large and mortgage banks.

Savings banks and cooperative banks, especially institutions with the larger lending facilities or special expertise in real estate financing.

Alternative lenders such as insurance companies, other pension providers, and credit funds, as well as family offices (no private investors and semi-professional investors).

Private banks and foreign banks, which are active in real estate financing.

Locally active capital providers.

Support for your origination and credit review

.

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Instantly more profitable business without additional resources:

Receive inquiries with perfect-fit and high probability of closing
Structured transaction process and quality-assured information (low processing effort, few failed attempts)
Market information supports business management
Digitization of credit processes without own IT development effort

The use of the platform for capital providers is free of charge. As a rule, capital borrowers bear our purely success-based fees, which take into account cost advantages from economies of scale and digitization.

Instantly more profitable business without additional resources:

Receive accurate queries with high probability of completion
Structured transaction process and quality-assured information (low processing effort, few failed attempts)
Market information supports business management
Digitizing credit processes without in-house IT development efforts

The use of the platform for capital providers is free of charge. As a rule, borrowers bear our purely success-based fees, which take into account cost advantages from economies of scale and digitization.

Efficient

We have harnessed the platform economy for B2B-financings:
digital processes,
scale and network effects.

Transparent

All important information available on one platform 24/7.
Consistent, well-documented rules for all stakeholders.

Low-priced

Fair, success-dependend transaction fees.

Quality

We only place promising inquiries
specifically to suitable capital providers
– with only the necessary information:
comprehensive, precise, and decision oriented.

Top tier companies are already using us

In the follow-up financing of a real estate portfolio, credX has not only requested all relevant capital providers, but also supported the entire transaction through to disbursement via the platform and the account manager. With such an “extended workbench”, we can manage financing very efficiently.

Alan Joffe

Managing Director

Due to the digital platform working with credX is very transparent and efficient. We see great potential for future tenders and will use and recommend the platform further.

Ewald Schwenger

CFO | Managing Partner

We experienced that credX is capable of handling complex financing requests, requiring a targeted investor approach and a close relationship with the lender.

Peter Dietrich | Alexander Dold

CEO Hilee | Vorstand Interra

Having conducted already several transactions with credX, we acknowledge that we can impove our financing process by using the know how of credX and its digital infrastructure.

Christian Holz | Tim Lerner

Vorstand | Head of Portfolio Management

We have already succesfully used the credX platform several times. The decisive factors for us are the high level of expertise, credX’s very good standing with the banks and the structured, transparent approach.

Philipp Schnabel

Leiter Finanzierung, Mitglied der Geschäftsleitung

As an asset manager, we are committed to efficiency. With credX’s support, we get the best possible financing solution while using our own resources in a targeted manner.

Markus Keßler

Managing Director

We tender loans on credX since we get meaningful and robust feedback from all relevant potential lenders in due time.

Martin Führlein

Vorstand / Board member, Geschäftsführer / Managing Director

Franco Fresco

With credX we were able to close an optimal financing for our new production facility. The market access and support from the team and platform contributed a lot to our finance department being able to efficiently execute a complex financing alongside the day-to-day business.

Christoph Schramm

Geschäftsführer

Choose from a wide range of financings

Asset classes

real estate financings,
all asset/risk classes including land banking,
selectively infrastructure
and corporate financings.

Financings

Project and inventory financings
including acquisition, subdivision, developer,
and bridge financings.

Capital structure

senior
mezzanine
whole Loan
and selectively
fund shares and equity

Regions

Germany
Austria

selectively also other European countries.

Instruments

loans
promissory notes
bonds
electronic securities.

Volume

from ~€5 million senior
or from ~€2 million mezzanine.

For borrowers who raise capital more frequently, also smaller individual transactions.

We give our best for your success

Digital platform with practical modules

Data room and document management
Selection of capital providers and order management
Status reports and quotations
Task management and communication module

Additional modules for underwriting processes

Electronic Order Book
Allocations

Core functions

Instant stand alone web solution
Intuitive operation, easy to learn on the fly
‘Golden’ data source for all stakeholders with always consistent, quality-assured data and documents
Digital cockpit with all essential information about the transaction
Outsourcing processes to our platform is possible, but not required
Audit-proof (Audit trail)

Security

Hosted by AWS on German servers in a highly secure, certified environment
Technical administration by valantic

Experienced transaction support teams

Relationship management with many years of transaction experience at leading banking institutions
Specialist team and lender support with relevant banking and treasury experience
Available via the platform, e-mail, webco and phone

Comprehensive personal support

Operating the platform
Information on current market events (conditions, possible structures, market participants)
Preparation of information (infomemo, data room, Q&A)
answering emerging questions
Preparation and explanation of offers and contracts
Participate in negotiations if desired.
Optional: support for obtaining information and documents and creating documents for the data room

Michael Baumann

Senior Relationship Manager

Christian Sommer

Investor Relations Manager

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Daniela Cremer

Analysis and Support

Paul Zelder

Relationship Manager

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Two Basic Processes, Many Tools

Tendering process from structuring to payment
MiFiD compatible issuing process
Broad range of instruments across the capital structure

For registered users, there are detailed tutorials available

This is how we support your entire financing process

Tendering process

Structuring,
Pre-inquiry (optional),
Prepare financing request

Obtain indications

Collect term sheet and negotiate

Get credit approval

Negotiate documentation and fulfill disbursement
conditions

Request platform demonstration

You can view more information in the desktop view

How can I use credX Financing-as-a-Service?

Contact us

Please call back Arrange web conference

Select an option

I'm interested in: *

Discuss concrete financing project without obligation, get market information and feedback on realization possibilities Presentation of credX platform and processes Clarify access requirements Discuss your investor profile Apply for registration other (please briefly describe your request in the text field "Your request")

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We connect capital borrowers and capital providers

We serve as your extended workbench for financing tenders

learn more ⏭

Your customer portal and extended capital provider network

learn more ⏭

Support for your origination and credit review

learn more ⏭

Efficient

Efficient

Transparent

Transparent

Low-priced

Low-priced

Quality

Quality

Top tier companies are already using us

Choose from a wide range of financings

Asset classes

Financings

Capital structure

Regions

Instruments

Volume

We give our best for your success

Michael Baumann

Christian Sommer

Daniela Cremer

Paul Zelder

This is how we support your entire financing process

Tendering process

Structuring, Pre-inquiry (optional), Prepare financing request

Obtain indications

Collect term sheet and negotiate

Get credit approval

Negotiate documentation and fulfill disbursement conditions

This is how we support your entire financing process

Tendering process

Structuring (optional), prepare financing inquiry

This is what we do for you

This is what we need from the borrower

… and that from the lenders

Obtain indications

This is what we do for you

This is what we need from the borrower

… and that from the lenders

Collect term sheet and negotiate

This is what we do for you

This is what we need from the borrower

… and that from the lenders

Get credit approval

This is what we do for you

This is what we need from the borrower

… and that from the lenders

Negotiate documentation and fulfill disbursement conditions

This is what we do for you

This is what we need from the borrower

…and that from the lenders

How can I use credX Financing-as-a-Service?

Contact us

Structuring,
Pre-inquiry (optional),
Prepare financing request

Negotiate documentation and fulfill disbursement
conditions