German new corporate loan rate €0.25-1 million, <=3 months
German new corporate loan rate €0.25-1 million, <=3 months stood at 4.28% in Aug 2026, according to Deutsche Bundesbank. It is one of the indicators in the Bank interest rates 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 interest rates 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 | |||||||||||
| Business, Loans to non-financial corporations over EUR 0.25 million and up to EUR 1 million, with floating rate or initial rate fixation up to 3 months, SUD143 | 4.28 | 4.19 | 4.06 | 3.98 | 3.96 | 3.91 | 3.88 | 3.91 | 3.87 | 3.84 | |
| Business, Loans to non-financial corporations up to EUR 1 million with a floating rate or an initial rate fixation up to 1 year, SUD124 | 4.33 | 4.26 | 4.18 | 4.08 | 4.02 | 3.98 | 3.95 | 3.93 | 3.97 | 3.94 |
Understanding german new corporate loan rate €0.25-1 million, <=3 months
Mid-sized corporate financing arrangements featuring initial rate fixation up to three months track the variable and short-term borrowing conditions for medium-tier business investments. By isolating loan amounts greater than a quarter of a million but not exceeding one million euros, the underlying data captures the specific debt dynamics of established mid-market enterprises, often referred to as the Mittelstand. The strict three-month maximum on interest lock-in means the series reflects floating-rate facilities and highly reactive pricing structures. This clearly delineates the metric from both the risk-heavy micro-loan category and the massive liquidity operations of multinational conglomerates, offering a uniquely focused view on the core industrial backbone of the economy.
Monitoring this intermediate commercial lending bracket requires close attention to sequential period-on-period changes to gauge how mid-sized firms absorb sudden shifts in the broader monetary environment. Year-on-year framing serves primarily to track the slow evolution of lending spreads but frequently misses the immediate impact of central bank signaling on floating-rate debt. The raw figures are unadjusted for seasonality, as the execution of medium-sized business loans responds to firm-specific opportunities rather than seasonal cycles. Initial estimates are highly reliable and rarely subject to meaningful correction. Analysts must be careful not to conflate these highly reactive short-duration figures with fixed-rate long-term borrowing metrics that are typically associated with factory expansion.
Frequently asked questions
- What defines the boundaries of this specific lending tier?
- The dataset strictly encompasses newly agreed corporate loans ranging from a quarter of a million to one million euros.
- Are standard variable-rate business loans included in this measure?
- Yes, corporate loans with entirely floating interest structures are categorized alongside those holding a fixed rate for under three months.
- Can this metric be used to track the cost of long-term capital stability?
- Because the interest terms can reset within a single quarter, the figures reflect short-term liquidity costs rather than stable, multi-year funding environments.