{"id":4593,"date":"2019-10-14T11:39:00","date_gmt":"2019-10-14T11:39:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=4593"},"modified":"2022-12-14T07:51:00","modified_gmt":"2022-12-14T07:51:00","slug":"eu-banks-to-restrict-lending-to-smes","status":"publish","type":"post","link":"https:\/\/www.factris.com\/en\/news\/eu-banks-to-restrict-lending-to-smes\/","title":{"rendered":"EU Banks to restrict lending to SMEs"},"content":{"rendered":"

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A regulatory framework for banks will soon change across Europe
<\/strong><\/h2>\n

SMEs trying to secure loans from banks will suffer the most from these changes
<\/strong><\/h2>\n

70% of SMEs rely on bank loans, signalling trouble for millions of small businesses<\/strong><\/h2>\n

 <\/p>\n

Changes in regulations across the EU will create new problems on small and medium-sized enterprises (SMEs) in an already difficult lending environment. These changes, set to take effect by 2022, will increase funding costs for banks and will thus make loans subject to increased scrutiny. This, in turn, means fewer loans will be issued to SMEs – especially those whose creditworthiness is considered substandard. Moreover, to make a difficult situation worse, this same funding cost increase will also make financing from banks more expensive.<\/p>\n

Cash flow is already a significant problem for SMEs across Europe. According to a\u00a0<\/span>recent survey<\/a>\u00a0<\/span>conducted by the European Central Bank (ECB), roughly 1 in 10 SMEs struggle to secure financing. This same survey revealed how dependent SMEs are on banks: approximately 70% of SMEs rely on bank loans to finance their business, foreshadowing what a massive problem this will prove to be for smaller enterprises across Europe.<\/p>\n

Given the critical situation that many SMEs will soon face, it\u2019s clear that alternative sources of financing are needed as banks will no longer be an option for many small businesses. The fintech company Factris has taken note of this and is readying themselves to help finance SMEs.<\/p>\n

\u201cBanks can be a nightmare for SMEs,\u201d says Brian Reaves, CEO of Factris. \u201cIt has always been hard to secure a loan if you\u2019re a small business. These new regulation changes will only make it more important for SMEs to avail themselves of alternative financing options available to keep their business going. Alternative options like factoring will prove to be a lifesaver for many SMEs.\u201d<\/p>\n

Factoring is a financing method offered by Factris where unpaid invoices are purchased in order to provide capital to SMEs for a small fee.<\/p>\n

Continues Reaves, \u201cWe\u2019re happy to be part of the solution to the problems posed by banks that are unable to help small businesses.\u201d<\/p>\n

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Focus on telling your business story<\/h2>\n

Trade your invoices for working capital by factoring<\/h3>\n

[\/et_pb_text][et_pb_button button_url=”\/en\/eligibility\/” button_text=”See if I qualify” button_alignment=”center” module_class=”btn-tertiary-2″ _builder_version=”4.14.8″ _module_preset=”default” custom_button=”on” button_text_color=”#ffffff” button_bg_color=”rgba(0,0,0,0)” button_font=”||||on||||” button_icon=”$||divi||400″ button_icon_color=”#ffffff” button_on_hover=”off” custom_margin=”||20px|||” custom_padding=”0px|0px|0px|0px|true|true” global_colors_info=”{}”][\/et_pb_button][et_pb_button button_url=”https:\/\/onboarding.factris.com\/en\/sign-up” button_text=”Finance my invoices” button_alignment=”center” _builder_version=”4.13.0″ _module_preset=”default” button_icon=”$||divi||400″ button_icon_color=”#353540″ button_on_hover=”off” custom_margin=”||18px|||” custom_padding=”10px|40px|10px|25px|true|false” global_colors_info=”{}” custom_padding__hover_enabled=”on|hover” custom_padding__hover=”|50px|||true|false”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

A regulatory framework for banks will soon change across Europe SMEs trying to secure loans from banks will suffer the most from these changes 70% of SMEs rely on bank loans, signalling trouble for millions of small businesses   Changes in regulations across the EU will create new problems on small and medium-sized enterprises (SMEs) […]<\/p>\n","protected":false},"author":1,"featured_media":20634,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"\n

Advisory board<\/strong><\/p>\n\n\n\n

Brian Reaves <\/strong>Chief Executive Officer<\/p>\n\n\n\n

Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n\n\n\n

Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n\n\n\n

Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n\n\n\n

Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n\n\n\n

Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n\n\n\n

Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n\n\n\n

Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n\n\n\n

Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n\n\n\n

Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n\n\n\n

Brian Reaves <\/strong>Chief Executive Officer<\/p>\n\n\n\n

Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n\n\n\n

Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n\n\n\n

Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n\n\n\n

Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n\n\n\n

Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n\n\n\n

Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n\n\n\n

Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n\n\n\n

Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n\n\n\n

Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n\n\n\n

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