Finance my business

Alternatives to traditional financing

Asset Based Finance offers flexible working capital solutions for receivables and payables.

What does this mean for you?

As we provide solutions throughout the entire working capital chain, we could purchase your receivables and pay your suppliers directly under one integrated facility or address one aspect in a bespoke facility that is custom-tailored to your company’s operating footprint.

Given our deep understanding of the Food & Agri industry that is enhanced by our team’s global presence, we are able to accommodate working capital swings and country specific requirements under one centralised facility, thereby easing our customer’s overall administration of its core financing needs.

Product examples:

Tailor-made corporate lending solutions

Are you planning to expand your business, either nationally or internationally? We can provide the financing you need to expand and develop your business both in the German market and internationally.

We offer individual solutions along with substantiated knowledge of the global Food & Agri markets.

We arrange and underwrite our own transactions and participate in transactions led by other banks. We facilitate structuring, execution and management of working capital, growth capital and event-driven financing.

Our global footprint and roots as a Food & Agri bank put us in a very distinctive position to provide our clients with in-depth knowledge, market insight and unique ideas. On the basis of additional expertise of other Rabobank departments such as Capital Markets, Mergers & Acquisitions, Structured Finance, Asset Based Financing, Trade & Commodity Finance, Financial Logistics and our intensive interactions with those departments, we can provide you with a full-service financing solution.

Product examples:

Strategic, financial and capital-raising solutions

Rabobank’s Debt Capital Markets offers you solutions that you can use to raise funds, especially long term funds. We can arrange funding through bond issuance, syndicated loans and private placements.

Rabobank can advise you and ensure that your company’s debt is offered to the market in the right format, at the right time and at the right price. Our product knowledge is based on strong foundations. Not only do we develop and structure unique products, but we also provide you with access to our retail and institutional distribution channels.

Thanks to our strong track record and sector focus, our clients and other lenders see us as a key partner in syndications. Our bond market specialists are highly experienced in the structuring and placement of various bond solutions.

We originate and execute cross-border and domestic US and EU private placements for our clients in a variety of categories, from vanilla senior unsecured to structured project financing and credit tenant lease notes.

Securitisation and Covered Bonds (issuance) are attractive ways of financing your business or to achieve balance sheet optimisation. Rabobank is a key player in the Benelux asset-backed securities and covered bond markets.

With our hybrid capital structuring, liability management and rating advisory we offer our clients a wide range of balance sheet management and financing options. Rabobank is a leading structurer of hybrid capital, employing the latest techniques and terms to provide our corporate and financial institution clients maximum flexibility when accessing this product.

Main benefits at a glance:

Close to our clients with export finance professionals

Rabobank Export Finance finances exports of capital goods and services, primarily to emerging markets. The relevant credit risks, mainly commercial and political risks, are covered by the government-backed Export Credit Agency (ECA) in the exporter’s home country.

What qualifies us to be your partner in Export Finance:

Our product offerings:

Advantages for you:

Advantages for buyers:

In addition, non-recourse project finance structures can benefit from ECA cover and, thanks to our close partnership with Rabobank’s Project Finance team, we are well positioned to combine Export Finance and Project Finance products.

Maximise the utilisation of your working capital

Do you recognise the following developments in your business: strong growth, international expansion, buy and build strategy or seasonal patterns in cash flow? If so, then securing sufficient liquidity can be a challenge. Factoring can help you to unlock the value in your trade receivables and inventory, enhancing your cash flow and optimising the leverage in your balance sheet.

How can factoring help me? What is the day-to-day impact on my financial department? And will it fit within my current finance structure?

These are all valid questions. Our IT platform is designed to support your cash flow planning, enabling you to have funds available the next day. You can monitor all the necessary details, such as debtor payments, ageing, payment behaviour and more. Not only will you maximise your cash, you will also receive management information enabling you to handle your cash flow and individual debtors more effectively.

Factoring is the most flexible solution for the management of your working capital requirements on a daily basis. It is often one of many finance solutions for your business. Additionally, factoring is complementary to other finance solutions and is easily combined with other or more complex solutions such as syndicated facilities.

Expand your business opportunities

Securing growth for your business and achieving ambitious targets often requires investments in equipment. At the same time, you prefer to keep your cash available to support your growing working capital requirements.

This is where leasing can work to your advantage as a true financing option.

We can customise a lease to fit your business, in an on balance or off balance structure, offering you a flexible credit facility to secure 100% of your investments, while matching the economic lifetime of the asset. It is all about finding the right financing structure for your CAPEX requirements, whether it is for previously owned, new or completely innovative equipment. We tailor customised solutions that meet your specific requirements at any given moment in your company’s development.

Leasing is complementary to other finance solutions and is easily embedded in your current finance structure.

Our subsidiary for leasing: „De Lage Landen“ (DLL)

Specialising in both leasing and factoring, DLL provides you with the best customised financing solution for your current and future CAPEX requirements, both in Germany and abroad. Our clients are typically active sectors such as transportation, industry, agriculture, food, healthcare, construction and automotive. DLL is a 100% Rabobank subsidiary.

Leading bank in renewable energy project finance

Rabobank’s Project Finance team has a global presence and a strong focus on advising on, structuring, arranging and underwriting (complex) project finance transactions.

Our focus is on the renewable energy and infrastructure sectors, as well as on Rabobank’s corporate and Food & Agri clients.

We offer innovative financing structures that result in tailor-made solutions by offering a wide range of products that include FX and IRS hedging, cash management services, LCs and advisory services, in addition to senior and mezzanine financing. Through intensive co-operation with our strong markets team, we are able to include institutional (or other third party) funds, enabling us to provide large underwrites and longer tenors.

Rabobank was one of the first financiers in the offshore wind sector and has built up a strong portfolio in this sector, giving us a distinctive advantage in terms of knowledge and experience.

We are a leading bank in this sector and we use our expertise and experience to the advantage of our clients and new projects. In addition to offshore wind projects, the project finance division is globally engaged in onshore wind, solar PV, Concentrated Solar Power, biochemical and biomass projects. In the Netherlands, Rabobank has a large portfolio of onshore wind projects and is a front runner in the financing of geothermal projects for our clients.

Thanks to the fact that Rabobank has long been one of the most experienced service providers to the various food & agribusiness sectors around the world, Project Finance can offer tailored financial solutions to this sector by making use of the bank’s unique knowledge. Examples include biomass waste-to-energy, agri-to-chemicals and Food & Agri infrastructure and primary processing.

In the infrastructure sector, which includes roads and buildings (PPP structures), oil & gas storage, telecom, Floating Production, Storage and Offloading Vessels (FPSOs), Rabobank generates added value for our clients by combining its expertise across the entire spectrum of financing and in close co-operation with other disciplines within the bank. This is what enables us to provide our clients with services of the highest quality.

The bank that helps turn your inventories into cash.

Rabobank Frankfurt goes beyond traditional forms of financing to offer liquidity solutions for enterprises in the food and agricultural industry:

Rabo Trading Germany (RTG), specialises in the global trade of agricultural commodities, buys your stocks at current market prices and hence provides your company with liquidity. As trading company, RTG has the required know-how to sell the stocks into the market or to a buyer. If applicable, these stocks can also be re-sold to the original seller.

With this innovative financing instrument, Rabobank has been offering liquidity to its customers in the German market for more than 15 years.

Rabo Trading Germany trades commodities such as cereals, oilseeds, dairy products and other commodity goods. Our international network in Food & Agri Research provides information that enables flawless decisions.

We place great importance on the quality of products and processes. That applies to everything we do, from purchasing to proper storage, distribution and billing.

Tailor-made solutions to optimise your capital efficiency

The Structured Finance team acts as a strategic partner for our clients, providing added value products and tailor-made solutions to optimise their capital efficiency.

Structured Finance’s international team of 40 experienced, multi-disciplinary professionals arranges and participates in tailored structured finance solutions for corporate clients with specific financial objectives, who may face specific credit/solvency, fiscal, accounting or legal/ regulatory challenges.

The Structured Finance team offers three distinctive product categories:

Junior Capital

Junior Capital includes all corporate financings which rank between (super) senior debt and straight equity. These could vary from preferred equity, profit participating loans, PIK loans, (mandatorily) convertible loans, pre-IPO financings, second lien, subordinated debt, share financings etc.

Vendor Finance

Vendor Finance involves assisting clients to promote their sales by providing financing for (potential) buyers of their products. This may include outright buyer financing, finance programmes (with limited recourse) to the seller, or structures in which risks are insured by third parties etc.

Structured Finance

The drivers behind structured finance solutions can be very diverse. The main trends include companies whose focus is on their core business and aiming at improving returns on their assets. Transactions could focus on a reduction of working capital or removal of certain fixed assets from the balance sheet, for instance via sale and lease back or asset repo.

In addition, we are seeing a growing need among our clients to monetise their contracts, i.e. future cash flows. We also structure funds to support suppliers or buyers of our clients and manage the related special purpose vehicles.

Reduces administrative burden

Putting a Supplier Finance programme in place enables you to offer your suppliers an alternative and competitive source of financing.

Supplier Finance is a partnership involving you, your suppliers and Rabobank.

Such a programme enables you to offer your suppliers the opportunity to receive an earlier payment than the contractually agreed payment from Rabobank that is financed at a discount. This discount is typically lower than their cost of capital and is based on the credit profile of your company and the remaining days in the payment term. When the invoice matures, you would then pay the full invoice amount to Rabobank at no further cost. For the supplier, this means prompt payment and a relatively lower cost of capital, without any negative impact on your own working capital.

Connect to the web platform and therefore reduce your administrative expenses.

Rabobank’s Supplier Finance programme offers a fully automated web platform with no manual document handling. By connecting the platform to your Enterprise Resource Planning (ERP) system, such a programme:

Supplier Finance provides you with the opportunity to strengthen the relationship with your suppliers and ensures security in your supply chain.

Trade Finance and Structured Inventory Products

By means of Trade finance, commodities reach the consumers all over the world.

World population is growing at an unprecedented rate. The demands of consumers worldwide are increasing at a similar rate, but production possibilities vary by country and continent. The traditional relationships between producer and consumer countries are changing. Resources must be handled smartly to ensure the earth can continue to meet growing consumer needs and global prosperity continues to increase. This is where commodity traders step in with the help of Rabobank; because without global financing, there is no trade.

International commodity traders face more challenges than simply keeping up with the growing volumes of commodities. The international commodity trade is becoming more and more dynamic and traders frequently need to make quick decisions that can have an enormous impact on their balance sheets.

This is why you need a bank you can trust - a financial partner that is an expert in this specialised area. When it comes to agribusiness, metals and energy, Rabobank Trade and Commodity Finance is a leader in the field.

We have offices worldwide and build close and lasting personal relationships with our clients in every stage of the commodity value chain. Clients trust us because we have experts spanning the globe, specialists in both trade and commodities.

Our financial experts offer a range of products to meet your needs at every stage of the trade flow. We offer specialised financing, adapted to the global trade in real products.

Trade Finance facilitates its (exporting) clients’ trade transactions involving bank and/or country risks, largely consisting of confirmation and discounting of export Letters of Credit. Through our Structured Inventory Products, we provide ownership-based financing solutions, as an alternative to regular financing, to the bank’s clients and provide you with liquidity and/or a stock management tool.

We know our clients. We know the field. We know banking.

Trade and Commodity Finance serves Rabobank’s largest international clients. Clients that trade tangible products. We facilitate the trade flow that is an essential part of the global value chain; a trade flow of vital resources necessary to support prosperity in a changing world. Rabobank’s Trade and Commodity Finance is an essential part of the value chain, as shown by the numerous awards we have been winning (including Best Commodity Finance Bank, Best Global Soft Commodity Bank) for years in succession.

Accelerates your business growth and turnover

Leasing enables your customers to benefit from use of the equipment, without the necessity of ownership.

As a supplier, you go the extra mile for your customers. This is why you advise them to optimise usage of their equipment.

When your dealers hold your equipment as inventory, this can put pressure on their liquidity. By offering them commercial finance, you receive early payments on shipments with limited risks related to dealer payments. In addition, they profit from an interesting solution for their inventory finance.

Commercial finance is an essential component in your service offering to your dealers and resellers.

As a manufacturer or supplier, your dealers are crucial for your sales. Making use of commercial finance does not only increase your sales and market share, but you can also benefit from early payments on shipments and limitations on risks related to dealer payments.

Vendor finance helps you increase your market by offering leasing solutions added to the sale of your equipment.

Value Vendor Finance delivers for your customers: