German new business loans €0.25-1 million, floating/≤1 year
German new business loans €0.25-1 million, floating/≤1 year stood at 596 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 up to EUR 1 million, floating rate or initial rate fixation up to 1 year, with original maturity over 1 year, SUD282 | 596 | 799 | 747 | 561 | 696 | 728 | 614 | 702 | 862 | 578 | |
| Loans to non-financial corporations, total, SUD949A | 90,618 | 97,713 | 115,316 | 89,738 | 91,384 | 109,494 | 81,159 | 81,140 | 125,593 | 95,355 |
Understanding german new business loans €0.25-1 million, floating/≤1 year
Mid-range credit allocations for non-financial entities make up the SUD282 series, specifically targeting sums over EUR 0.25 million but not exceeding EUR 1 million. These are new business agreements drafted by German banks, restricted to contracts holding an original maturity beyond a single year. What distinguishes this subset from broader commercial lending categories is the immediate sensitivity to borrowing costs: the debt is either issued with a floating interest rate or carries an initial rate fixation period strictly capped at 1 year. By filtering out smaller micro-loans and massive institutional borrowing, this measure captures mid-market financing moves, excluding any arrangements without the specified term length or rate structure.
Monthly fluctuations frequently mirror the shifting appetite for medium-sized operations taking on rate risk, meaning period-on-period comparisons provide the clearest signal of changing credit demand at the immediate margin. Analysts tracking these figures must account for regular revisions, as preliminary data for recent months is routinely updated once finalized contract terms are processed. Comparing this sequence to total corporate lending can be misleading because it isolates longer-term commitments tied to short-term rate adjustments, entirely ignoring fixed-rate products. Additionally, breaks in the series occasionally emerge from adjustments in bank reporting populations or reclassifications of corporate entities, necessitating a careful review of methodological notes before running long-term analyses.
Frequently asked questions
- Are rollover loans or renewals included in these figures?
- Only true new business and renegotiations of existing contracts are captured, while automatic renewals without active contract changes are excluded.
- Does the original maturity over 1 year mean rates are locked for that duration?
- No, the series explicitly covers debt with floating rates or fixations up to 1 year, regardless of the longer overall repayment schedule.
- How does this differ from the total mid-sized corporate lending aggregate?
- This specific metric excludes loans with interest rates fixed for longer than a single year, focusing solely on near-term rate exposure.