Funding Disclosure

1. Our Role as an Intermediary

Avencrest Capital GmbH acts as a commercial loan broker, arranger, and introducer. Our purpose is to help corporate clients, mid-market businesses, and project sponsors navigate complex international financing markets, identify suitable funding avenues, and connect with reputable lending institutions, development banks, private credit funds, and grant awarding bodies.

We do not accept consumer deposits, issue payment accounts, or issue credit lines directly. Any financing agreement entered into following an introduction through Avencrest Capital GmbH is strictly between your business and the third-party lender or awarding body.

2. How Introductions Work

Our introductory journey is designed to be structured, transparent, and aligned with your financing objectives:

• Initial Enquiry & Assessment: You provide high-level details regarding your company's operational profile, capital requirement, and funding purpose.
• Suitability Screening: Our advisory team evaluates your request against the specific lending criteria, risk appetites, and sectoral guidelines of our funding partners.
• Documentation Preparation: We assist you in preparing a cohesive information pack, executive summary, or funding application tailored to German and international underwriting standards.
• Provider Introduction: With your prior consent, we submit your proposal to selected, regulated finance providers or grant administrators who are actively financing your sector.
• Direct Evaluation & Underwriting: The financing institution performs its independent due diligence, credit assessment, and risk evaluation. If approved, the provider issues a formal offer or term sheet directly to your business.

3. Commercial Relationships with Providers

Avencrest Capital GmbH maintains professional, non-exclusive introductory relationships with a diverse network of authorized financial institutions across Germany, the European Union, the United Kingdom, and international markets. These include:

• Licensed commercial banks and corporate credit institutions.
• Institutional debt funds and alternative credit managers.
• Export credit agencies and trade finance specialists.
• Public development banks and grant-awarding foundations.

We operate independently. We do not prioritize one lender over another based on commercial bias; recommendations and introductions are guided solely by the structural suitability and cost-effectiveness of the funding route for your business.

4. Fee Transparency & Remuneration

We are committed to fair and transparent pricing. You will never be subjected to hidden fees or surprise charges.

• No Obligation to Enquire: Submitting an initial enquiry or using our online eligibility calculators is completely free of charge and carries no commitment.
• Upfront Written Terms: If your enquiry progresses to bespoke structuring or formal advisory work where an intermediary or arrangement fee applies, you will receive full written terms detailing all charges before you commit to proceeding.
• Success-Based Remuneration: In many cases, our intermediary fee is contingent on the successful execution and disbursement of the funding facility.
• Provider Commission: In certain financing routes, we may receive an introductory commission or arrangement remuneration directly from the participating lender upon successful drawdown. Where applicable, this arrangement is disclosed and will never increase the interest rate or borrowing costs quoted to you.

5. No Guarantee of Approval

Funding availability is subject to market conditions, underwriting criteria, credit review, and satisfactory legal due diligence. Avencrest Capital GmbH cannot and does not guarantee that:

• An enquiry will result in an introduction to a lender or grant provider.
• A contacted lender or awarding body will issue an offer or grant approval.
• The interest rates, loan-to-value ratios, or tenors requested will be matched exactly.

6. Independent Professional Advice

Corporate debt, commercial credit facilities, and grant commitments involve binding financial and legal obligations. We strongly recommend that all prospective borrowers obtain independent legal, accounting, and tax advice before executing any credit contract, guarantee, or financing agreement.

Last updated: September 2026