German new business loans €0.25-1 million, fixed 3-12 months
German new business loans €0.25-1 million, fixed 3-12 months stood at 473 EUR million in Aug 2026, according to Deutsche Bundesbank. It is one of the indicators in the Bank lending and deposit volumes table (Value · Monthly), with a complete series running from Jun 2010 to Aug 2026. The complete series with an interactive chart, free to download.
This indicator in the Bank lending and deposit volumes table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Loans to non-financial corporations | |||||||||||
| Loans to non-financial corporations over EUR 0.25 million and up to EUR 1 million with initial rate fixation of over 3 months and up to 1 year, SUD244 | 473 | 612 | 724 | 513 | 517 | 677 | 544 | 490 | 653 | 486 | |
| Loans to non-financial corporations over EUR 1 million with an initial rate fixation of over 1 and up to 3 years, SUD251 | 1,205 | 2,010 | 3,425 | 1,194 | 1,439 | 1,754 | 1,938 | 1,065 | 3,682 | 1,669 |
Understanding german new business loans €0.25-1 million, fixed 3-12 months
Medium-scale loan agreements for non-financial corporations, valued between EUR 0.25 million and EUR 1 million with short-to-medium rate guarantees, form the basis of this series.
The volumes reported here exclude both the smallest micro-loans and the largest corporate debt facilities, sitting squarely in the middle tier of commercial financing. It requires the interest rate to remain unadjusted for a minimum of three months up to a maximum of twelve. This distinguishes the data from equivalent mid-sized loans that float immediately or lock in rates for several years. Consequently, it represents mid-market borrowers seeking temporary shelter from rate fluctuations without committing to long-term fixed pricing structures.
Monthly fluctuations can be noisy due to the lumpy nature of mid-sized corporate investments, making consecutive-month comparisons less reliable than annual ones. Evaluating the data against the corresponding month of the previous year accounts for routine business cycles and seasonal working capital requirements. Those interpreting the series must remember that a surge in this specific maturity bucket often reflects strategic timing by corporate treasurers expecting rate drops in the near future, rather than an absolute expansion in their overall debt burden. Routine statistical revisions rarely alter the broader trajectory of the finalized figures.
Frequently asked questions
- Are multi-drawdown facilities included?
- Only the initially agreed fixed-term amounts are captured at the time the contract becomes binding.
- Does the series cover loans to sole proprietors?
- Yes, if the borrowing is strictly for non-financial business purposes and falls within the size parameters.
- Can I use this to track long-term capital investment?
- This fixation band is typically too short to reliably reflect long-term infrastructure or heavy machinery investments.