Grow, invest, open up new markets – with the right valuation methods and appraisals, there is hardly anything standing in the way of financing your new machinery and equipment – by bank loan, leasing or through a better rating.
When financing machinery and equipment, financing and mortgage lending value appraisals help you meet the complex requirements of your financing partners.
Our financing appraisals therefore show not only the market values but also the new values of your assets.
The market values are the basis for the mortgage lending value and the determination of hidden reserves and can thus provide you with immediate financial leeway. They also serve as an argumentation and negotiation aid in discussions with your banks and lenders and can help you to obtain better conditions, because the value of your assets influences your rating, your creditworthiness and thus your financing conditions. This means that the market values of your machines are the basis for “classic” bank loans.
Due to the provisions of the EU Regulation EU No. 575/2013 (CRR, Basel III), banks are obliged to require sufficient insurance cover for the assets serving as collateral.
This means that the machinery accepted as collateral must be sufficiently insured against damage and the insurance cover must be monitored regularly.
Therefore, our financing appraisals include not only the market value but also the replacement value (or insurance value) of the machinery and equipment.
As a service, we offer to check the insurance sums annually with the help of the additions and disposals and to transmit these directly to your bank. This ensures continuous monitoring and the correct sum insured.
With the sums insured, new and market values shown by us, you can guarantee a sufficiently high level of insurance cover – without, however, burdening yourself with excessively high premiums. In turn, your bank, as the financier of the machinery, complies with the requirements of Basel III.
At a glance – Financing of machinery and equipment
- Determination of market values and insurance values of assets
- Monitoring of insurance values and reporting to the bank
- Assessment of the third party usability of the machinery
- Assessment of marketability
A bottling company was planning the construction of a fully automated logistics centre at its main production site. In order to optimise loan negotiations with the house banks, we recorded and valued all machinery and equipment – in each case with the new and market value.
With the new value of the equipment, the company was able to correct the insurance sums and the market value served as the basis for the lending value. In this way, the logistics centre with all its plant and machinery could be financed by the company’s bank.
“For financing machinery and investments, the market value assessment of an independent expert is a good foundation to successfully negotiate with your bank.”
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