German new secured loans ≤€0.25 million, floating/≤3 months
German new secured loans ≤€0.25 million, floating/≤3 months stood at 51 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 with collateral or guarantees | |||||||||||
| Loans to non-financial corporations up to EUR 0.25 million with collateral and/or guarantees, with floating rate or initial rate fixation up to 3 months, SUD262 | 51 | 58 | 55 | 49 | 55 | 51 | 50 | 50 | 60 | 51 | |
| Loans to non-financial corporations over EUR 0.25 million and up to EUR 1 million with collateral and/or guarantees, with floating rate or initial rate fixation up to 3 months, SUD268 | 251 | 313 | 314 | 245 | 278 | 342 | 254 | 340 | 376 | 234 |
Understanding german new secured loans ≤€0.25 million, floating/≤3 months
Asset-backed commercial borrowing capped at EUR 0.25 million and tied to highly flexible interest rate terms is tracked within this specific category.
Focusing exclusively on the smallest denomination of corporate loans, the data isolates financing for non-financial corporations that requires physical collateral or formal guarantees to secure approval. Additionally, the interest rate must float immediately or remain fixed for no more than three months. This strict combination excludes unsecured micro-loans and fixed-rate small business debt. It effectively represents smaller enterprises leveraging their assets to obtain short-term working capital or bridging funds highly sensitive to immediate central bank policy shifts.
The volume of small-scale secured lending often mirrors administrative and seasonal business rhythms, making direct month-on-month comparisons prone to misinterpretation. Reviewing the data against the same month in the prior year accounts for these predictable cycles. A frequent analytical oversight is viewing an increase in this series as a sign of robust small business expansion. In reality, a surge in highly secured, short-fixation borrowing often signals distress, indicating that banks are demanding collateral for routine liquidity lines that were previously unsecured, while borrowers remain unwilling to lock in rates.
Frequently asked questions
- Can personal assets be used to secure these business loans?
- Yes, if a business owner pledges personal real estate to secure a corporate loan, it counts as collateralized.
- Does this include typical business overdrafts?
- Only if the overdraft facility is formally secured and structured within these specific parameters, which is rare.
- What happens if the collateral is released early?
- The initial categorization of the new business volume remains unchanged regardless of later collateral adjustments.