ARC GmbH arranges leasing, factoring and asset-based finance for SMEs and mid-market operators. Real underwriters. Straight rates. Facilities structured in days, drawn down in weeks.
Six core facilities that stand alone or stack together. Every mandate is priced on the strength of the underlying asset, receivable or cash-flow — not a one-size credit score.
Structured operating and finance leases for plant, machinery, commercial vehicles and specialist equipment. Terms from 24 to 84 months with residual-value optimisation.
Turn your receivables into cash within a working day. Recourse, non-recourse and confidential variants — domestic and export ledgers.
Revolving credit facilities secured against inventory, plant and receivables. Perfect for seasonal or working-capital-intensive operations.
Committed and uncommitted lines to smooth payables, VAT cycles and short-term inventory build. Draw and repay on demand.
Import/export letters of credit, supplier-side dynamic discounting, and reverse factoring to protect margin on both sides.
Unlock the equity in owned real estate or plant while keeping full operational control. Structured tax-efficiently.
We move at the pace of your business. Most facilities are structured, credit-approved and drawn within three weeks of first contact.
A thirty-minute call to understand your operation, the asset or receivables in scope, and your target structure.
Written indicative pricing, tenor and covenants — non-binding, with a clear list of what our credit committee will need.
A dedicated analyst runs KYC, financial review and asset appraisal in parallel. Credit committee sits weekly.
Facility documented against our master agreement. First advance released the same day signatures land.
Indicative pricing for our standard facilities. Actual quotes are personalised — enter your requirement and we'll come back within one business day.
A quick illustrative calculation — no credit search runs.
Rates are indicative annualised percentages, expressed net of arrangement fees. Final pricing depends on credit assessment, asset class, tenor and covenant package. ARC GmbH is regulated by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) under registration BaFin-ID: 50079347 Bak Nr.: 164881 .
Our underwriting benches are staffed by former operators — people who understand the working-capital rhythm of your business before we discuss a rate.
Plant, machinery, tooling and production-line finance for discrete and process manufacturers.
Fleet leasing, trailers, cold-chain and warehouse handling assets across cross-border operators.
Excavators, cranes, formwork and site-vehicle finance — with seasonal repayment holidays available.
Imaging, diagnostics, dental and lab equipment leasing for private clinics and specialist providers.
Hardware refresh cycles, data-centre kit, and ARR-based facilities for subscription businesses.
Inventory financing, seasonal factoring lines and supplier-side reverse-factoring programmes.
The team at ARC GmbH structured a € 3.2M sale-and-leaseback in less time than our bank took to acknowledge the enquiry. They understood the residual value of specialist plant better than we did.
Straight answers on structure, timing, cost and eligibility. Something not covered? Our advisors are one message away.
Our standard entry point is € 25,000 for equipment leasing and € 100,000 for factoring lines. Below that, our partner network offers straight-through digital products which we can refer you to.
Every facility is priced individually against reference rates (EURIBOR / SONIA / base), the asset or receivable's risk profile, tenor, ticket size and any credit enhancement. We publish indicative ranges — actual quotes typically fall within them once underwriting is complete.
We focus on operating businesses with at least 24 months of trading history. For younger companies we can consider factoring against contracted receivables from investment-grade counterparties.
ARC GmbH operates across 22 European jurisdictions. Cross-border facilities are documented under our master framework in English, with local legal opinions where required.
Typically two years of audited accounts, latest management accounts, aged debtor and creditor listings, and — for asset finance — an invoice or specification for the equipment. Your relationship manager will send a tailored list after the first call.
Operating leases and non-recourse factoring can be structured off-balance-sheet under most reporting frameworks. Under IFRS 16 most leases now sit on-balance-sheet — we'll walk you through the treatment before signing.
Tell us what you're looking to finance. A sector specialist will call you back within one working day — no auto-responses, no queues.