Securing receivables for lenders — Deutsche Pfandverwertung.
Risk-based lending and its effects
The decision on a loan commitment is primarily based on a scoring model, as the internal valuation, management and securing of the assets offered as collateral is no longer part of the bank’s internal process.
This leads to a significant reduction in operational flexibility, particularly in the area of short-term interim financing. As a result, potential new customers cannot be serviced and even long-standing borrowers with good credit ratings are increasingly forced to turn to alternative sources of financing such as pawnbrokers or fintech platforms (e.g. crowd investing).
Proven strategy:
Deutsche Pfandverwertung relies on proven liquidation mechanisms to efficiently cover the financing needs of this clientele. In the event of default, the collateral provided is liquidated immediately either through a public auction or a structured private sale — legally compliant, market-oriented and with maximum transparency.
Further information (links):
Build a firewall to secure receivables!
Options for hedging receivables — planning security in advance
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