GARBE Industrial opts for Loanboox – European financing technology wins leading logistics specialist

GARBE Industrial opts for Loanboox – European financing technology wins leading logistics specialist

by | Jul 24, 2025 | Borrow, Media, Real Estate

Zurich/Hamburg, July 24, 2025. The digitalization of real estate financing is picking up speed across Europe – with clear technological pioneers.

A particularly strong signal is now coming from the logistics real estate sector: GARBE Industrial, one of the leading developers, providers and managers of logistics, industrial and commercial real estate in Germany and Europe, is relying on the SaaS solution from Loanboox, the European specialist for digital debt financing and debt management.

In future, GARBE Industrial will use both the Financing Management module for structured tendering and procurement of debt capital and the Debt Management module. The software enables comprehensive management of the loan portfolio – with direct access to information on collateral, covenants, deadlines and the ability to carry out detailed scenario analyses. This creates an end-to-end overview of all financing processes – scalable, across teams and in real time.

“Digitalization is central to our pan-European growth strategy – also in financing. With Loanboox, we are creating transparency, speed and clarity across the entire debt capital process”, says Jan Philipp Daun, Managing Director of GARBE Industrial Real Estate.

Julian Grimm, head of Real Estate Financing at Loanboox, adds “GARBE is the perfect partner: a company that has grown strongly over the years, but has retained its entrepreneurial spirit and openness to innovation. It is precisely this combination that makes a productive and future-oriented collaboration possible.”

GARBE Industrial’s decision underscores a trend: more and more leading real estate companies are strategically reorganizing their financing processes – moving away from isolated tools and analog processes towards integrated platform solutions with clear workflows and real-time data access.

Philipp Schnabel, member of the Management Board and responsible for the Financing division at GARBE Industrial, emphasizes: “With Loanboox, we not only gain access to a strong network of lenders, but also a solution that allows us to manage several processes simultaneously and across teams – from initial contact to maintenance during the loan term. This saves time and creates transparency for everyone involved.”

Urs Meier, CEO of Loanboox, says: “GARBE exemplifies a new generation of real estate companies that are thinking about financial processes in a holistic, digital way. And they are not alone – we are seeing more and more established players making similar considerations and switching to specialized SaaS solutions. The development clearly shows that the market is professionalizing digitally.”

Loanboox – Europe’s leading SaaS solution for Real Estate Financing & Debt Management

Loanboox’s technology is already in use in 18 European countries and is used by professional investors, real estate companies and other institutional borrowers. To date, more than 35 billion euros in financing has been successfully placed via the solution and several billion current loans are managed with it. Cloud-based software enables end-to-end, data-based management of all financing processes – efficiently, scalable and across teams.

Particular attention is paid to the use of artificial intelligence: the technology supports users with the automated reading of term sheets and contracts, the efficient creation of financing documents and intelligent, targeted searches in data rooms. This opens new potential for speed, quality and well-founded decisions.

About GARBE Industrial Real Estate

GARBE Industrial Real Estate GmbH, headquartered in Hamburg, is one of the leading providers and managers of real estate in the logistics and light industrial sectors in Germany and Europe. For over 25 years, the company has been one of the most important independent cooperation partners for transportation and logistics service providers, trade and manufacturing industry. GARBE develops, buys and sells, acquires, lets, manages and finances high-quality commercial real estate in attractive national and international transportation and industrial locations. With a lettable area of around 7.1 million square meters and a project development pipeline of approximately 1.9 million square meters in Germany and Europe, GARBE currently manages real estate and fund assets of around 11 billion euros (as of 31 December 2024).

About Loanboox

Loanboox is a provider of leading European B2B software for debt financing and debt management. The software enables borrowers to organize the entire financing process digitally, transparently and efficiently, from tendering and negotiation to ongoing portfolio management. You can find more information about Loanboox at www.loanboox.com.

Contact persons

Swiss Fintech AG / Loanboox
Urs Meier, CEO und Julian Grimm, Head Real Estate Financing
Talacker 50, 8001 Zürich  
+41 55 220 78 00, press@loanboox.com

Garbe Hauptsitz
Gruppenfoto Garbe und Loanboox

Garbe headquarters in Hamburg

Roof terrace from Garbe in Hamburg

f.l.t.r.: Julian Grimm (Head Real Estate Financing, Loanboox), Hasan Özbolat (Finance Manager, GARBE Industrial), Philipp Schnabel (Mitglied der Geschäftsleitung / Finanzierung, GARBE Industrial), Johannes Mahnke (Finance Manager, GARBE Industrial), Dominique Hügli (Chief Product Officer, Loanboox)

Loanboox doubles revenue in the first half of the year: strong momentum in the new segments Real Estate Finance and SaaS

Loanboox doubles revenue in the first half of the year: strong momentum in the new segments Real Estate Finance and SaaS

by | Jul 5, 2023 | Borrow, Insights, Media

Loanboox successfully closes the first half of 2023 with encouraging growth in its business segments Public Finance, Real Estate Finance and Software-as-a-Service (SaaS). A total of CHF 2 billion in financing was concluded through Loanboox in the first six months. The fintech thus doubled its revenue compared to the same period last year.

In the Public Finance segment, with which Loanboox started more than six years ago, the market-leading position in Switzerland was further expanded. The need on the borrower side to obtain competitive financing terms is high and continues to grow due to the volatile interest rate environment.

High growth momentum in Real Estate Finance

In particular, the Real Estate segment, in which Loanboox has been active for just over a year, grew strongly and already accounts for around 40 percent of revenue: In a challenging market environment with rising interest rates, transactions with a volume of over CHF 160 million were closed in the first half of 2023. These transactions generate substantial efficiency gains for lenders and significant interest savings for borrowers. Loanboox’s customers include real estate companies such as Ina Invest AG, which is listed on the Swiss stock exchange SIX, as well as real estate funds and housing cooperatives.

SaaS: Loanboox further expands financing tool

Since the beginning of 2022, Loanboox has also been active in the Software-as-a-Service segment, offering customers white label solutions that enable efficient sourcing and management of debt capital. In 2023, the software was enhanced with key features and includes new tools for portfolio management, scenario analysis as well as covenant monitoring.

In recent months, various companies have already decided to use the software, for example Refolio Real Estate AG:

«We use the software to centrally manage all aspects of our real estate financing. It supports us with data-based decisions and forecasts as well as with reporting and traceability. Excel lists are definitely a thing of the past», says Nicola Haas, CEO Refolio Real Estate AG.

New leadership team takes over

Urs Meier, already a member of the Executive Board, will become the new CEO of Loanboox. He will take over from Philippe Cayrol, who is leaving the company at his own request at the end of July to take on a new challenge after around three years with the company. In addition to Urs Meier, Dario Zogg (Chief Technology Officer) and Dominique Hügli (Chief Product Officer) complete the management team.

Dr. Felix R. Ehrat will take over as Chairman of the Board of Directors. He has been a member of the board since 2020.

«Loanboox is one of the best-known fintechs in Switzerland and has successfully driven digitalization in the area of marketplace lending. I am delighted to now actively shape the further development of the company as Chairman of the Board and wish the new management team great success. The entire Board thanks Philippe Cayrol for his valuable contributions and wishes him all the best in his future endeavors», says Felix R. Ehrat.

Felix R. Ehrat was a senior partner of the law firm Bär & Karrer for many years as well as a member of the Executive Committee and General Counsel of Novartis. During his professional career, he gained extensive experience in the financial services sector as chairman and member of the board of directors of several banks.

Stefan Mühlemann, the founder of Loanboox, is stepping down as chairman for health reasons, but will remain a member of the board of directors. The board of directors is completed by Oliver Lang, who has been a member since 2022.

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Results of the World Climate Conference: What the financial industry has to do with it

Results of the World Climate Conference: What the financial industry has to do with it

by | Nov 30, 2021 | Borrow, Invest

The World Climate Conference COP26, which ended mid-November, delivered important results against climate change. We show these and explain what sustainable finance means and what role the financial sector is playing in the fight against climate change.

The goal of the 26th World Climate Conference COP26 in Glasgow was to advance measures to achieve the goals of the Paris Agreement and the UN Framework Convention on Climate Change.

Achieving Net Zero: The contribution of the World Climate Conference COP26

The Glasgow Climate Pact was adopted at COP26 – almost 200 countries agreed to it. Aside from the one-sentence explanation of keeping the temperature rise below 1.5°C, these are the main points discussed by the delegates:

  • Coal will be “phased down”.
  • $500 billion to developing countries in the next 5 years to help them cut emissions and cope with the impacts of the climate crisis.
  • A database, communications and reporting system (Santiago Network) for countries and organisations to identify and catalyze opportunities and mobilize assistance to address loss and damage from climate change.

Some countries and NGOs described the results as “disappointing”. However, most countries agreed that the deal was balanced at this point, given their differences. The New Zealand chief negotiator summarized it as follows: “The text represents the ‘least bad’ result.”

More information about COP26 and its results can be found here.

Explanation of terms: Net Zero

Net Zero (net zero emissions) means that, through various measures, humans remove the same amount of the greenhouse gases they produce from the earth’s atmosphere. Accordingly, net zero means climate neutrality. The goal of global climate policy: to achieve Net Zero respectively climate neutrality by 2050.

Sources: Avenir Suisse and IPCC

What is the connection between the measures mentioned and the financial world?

The importance of sustainable finance

The way the world is currently managing its economy is not sustainable. The ecological level is overstretched and has reached its capacity limits. The financial sector has a central role to play in fighting climate change. On the one hand, enormous sums must be invested to promote sustainable measures, such as renewable energies. This is in order to achieve the UN’s Sustainable Development Goals. On the other hand, huge amounts of money are still flowing into organizations, projects and investments that do not meet sustainability criteria.

What role does finance play in net zero?

One of the key objectives identified in the run-up to COP26 was to mobilize finance. The Glasgow Financial Alliance for Net Zero (GFANZ) was launched to raise standards, drive ambition and ensure that Net Zero commitments are transparent, credible and consistent. Trillions must flow from the private and public sectors for Net Zero to be achieved.

Portrait von Andi Burri

Image source: flickr

“The private sector is realizing that climate risks are very important for their portfolios and they need to align them to a more sustainable way of doing things.”

 

Patricia Espinosa, Executive Secretary of the UN Framework Convention on Climate Change

500 global financial services firms have responded and agreed to align $130 trillion – 40% of the worlds’ financial assets – with the goals set out in the Paris Agreement, including limiting global warming to 1.5°C. An encouraging sign.

In the next article, we will do a deep-dive on the roadmap and the role of institutional investors, governments and cities to financing Net Zero.

Stay tuned.

Uncertain market situation: challenges in municipal financing

by | Nov 1, 2021 | Borrow

Stagnating markets and rising interest rates are currently responsible for worry lines. Clear trend: no sign of it. While investors are groping in the dark, financial managers are facing new challenges with regard to municipal financing.

Global production and supply bottlenecks, the European energy shortage, and rising prices and inflation rates are among the factors causing uncertainty on the world market. While prices on the stock market are trending sideways, interest rates are rising due to inflation fears.

Rolf Biland, Chief Investment Officer of VZ VermögensZentrum, provides an insight and outlook on market developments.

 

Rolf Biland
Chief Investment Officer

VZ VermögensZentrum

 

How do you assess the current uncertainty on the markets?

Many investors have become accustomed to the comparatively steep upward trend of the stock markets over the months and the volatility level is also below the long-term averages – for these reasons, investors are reacting with increased uncertainty to the “more normal” investment environment that has prevailed since September.
The year 2021, like 2020, is an economic exception. The economy collapsed rapidly last year due to Covid-19, then recovered in a pendulum fashion and returned to strong growth. Despite the ongoing pandemic and its aftermath, growth in the developed world is expected to normalize further in a few months.

What are your expectations regarding market developments?

Provided there are no new crises and the central banks do not tighten their monetary policy reins sharply or unexpectedly, which I assume will be the case, this should not startle the markets either. As most companies in the industrialized countries have their costs under control and have increased the efficiency of their business models, I continue to expect a friendly trend on the financial markets – even if more fluctuations and phases of uncertainty are to be expected.

Rising interest rates: What does this mean for municipalities?

The general market uncertainty also has an impact on municipal financing. Compared with two months ago, it is clear that interest rates are currently rising slightly, as illustrated in the chart below.

Background knowledge explained: How is the yield curve composed and how can it be interpreted?

The yield curve is composed of the money market interest rate and the capital market interest rate. The money market interest rate (for terms of up to one year) is based on LIBOR, which will be replaced by SARON at the end of the year. From one year onwards, the capital market interest rate is used, which is based on the swap rate.
Short-term interest rates have hardly changed in recent months. Capital market interest rates, on the other hand, have risen significantly. As a result of the strong economic recovery, which is being additionally fueled by extensive government aid packages, fears of rising inflation are spreading around the world, leading to rising interest rates in the multi-year range.

Rolf Biland notes that the public sector was and still is strongly challenged by the pandemic – the tax burden will probably not decrease in the coming years due to the special expenses. Municipalities also have an additional burden, as they have to adapt to changing needs and behavior patterns of the population, such as mobility or home office.

Is there a reason to worry?

Loanboox co-founder Andi Burri also notes a certain uncertainty among municipalities, which is reflected in financing. But there is currently no cause for concern: Interest rates continue to be very attractive, and negative interest rates are possible for loans with terms of up to four years or even longer.

Portrait von Andi Burri

 «Especially in times of uncertainty, thorough liquidity and financial planning continues to gain importance.»

 

Andi Burri, Co-Founder & Managing Director Switzerland of Loanboox

In addition, in combination with the consistency of the municipality’s financial situation, it is important to form one’s own opinion regarding the development of interest rates, as this allows a strategy to be developed and pursued. In view of the matching maturities and the continuing uncertainty in the capital market, balancing or long-term maturities in the loan portfolio will be increasingly in demand in the coming months, Burri suspects.

How we can support you

In addition to requesting and processing financing, Loanboox also provides support in the planning and monitoring phase. Loanboox debt planning service helps to set up a clean strategy, evaluate its advantages and disadvantages and simulate costs. The intuitive debt management tool simplifies the management of loans and allows detailed analysis of maturities.

Feel free to contact us if you would like us to support you.

Study details: How COVID-19 burdens public budgets

by | Jul 1, 2021 | Borrow

A recent study by the Swiss Association of Cities (SSV) and the auditing firm PwC shows how COVID-19 will burden public budgets. According to the study, tax revenues will drop significantly in 2021 and many cities and municipalities will have to take on debt. 

It will be a lean period for cantons and municipalities as far as tax revenues are concerned, with a simultaneous increase in expenditure. At least that is the assessment of the 15 cantons and 77 municipalities or cities that participated in the survey. After a slump in the current year, the crisis is expected to end in 2022, but the question is how long the aftermath will be felt.

Additional costs, especially in the health and social sectors

The study shows that most cities and municipalities will have to bear significant additional costs in the health and care sector as well as in social services in 2020 and 2021. In addition, there are costs arising from the direct pandemic response – for example, crisis teams or personnel for hygiene concepts. And it also shows that these burdens are declining much faster at the cantonal level than at the city and municipal level. There, debt growth of 72 percent is expected.

Another factor, according to the study, is the tax reform (STAF) that came into force last year. For example, corporate tax revenues have already fallen in 2020 compared to 2019. The municipalities would feel this effect differently – due to the varying implementation of the cantons. In principle, however, the effect will be clear everywhere.

General tax increases are not at all expedient. Temporarily, I can imagine an increase in value-added tax. But on a very limited scale.

Ernst Stocker, Cantonal Councillor, Finance Director of the Canton of Zurich and President of the Conference of Finance Directors

Stabilise in the short and medium term

Interesting is the information given by the study participants with regard to their stabilisation measures. The majority of cities and municipalities focus on short- and medium-term stabilisation measures (36% and 51%) – only 11% plan for the long term and pay particular attention to tax rates and investments.

 

READ THE WHOLE STUDY

Municipal financial planning: “holistic” is the magic word

Municipal financial planning: “holistic” is the magic word

by | Jun 29, 2021 | Borrow

Annual financial and budget planning is a challenge for many municipalities even in ordinary times. The as yet unforeseeable consequences of the COVID 19 pandemic now make it even more difficult. In the Loanboox webinar, the most important basics and examples for a solid financial management of municipalities were shown. The most important insight: The magic word is “holistic”.

The guide produced by the Fachhoschule Graubünden at the request of the Swiss Association of Municipalities shows how it is done: Mission statement, strategy and legislative plan, plus integrated task and financial planning (IAFP) and finally liquidity planning. Dominik Just, professor of finance and accounting at the University of Applied Sciences Graubünden, explains the individual steps. Click on the image to learn more.

Integrated task and finance plan makes it easier

“There are municipalities that don’t have all that,” he explains, referring to the Swiss militia system and the many small municipalities where financial administration is done on a part-time basis. These municipalities have a much harder time with long-term and sustainable planning of larger projects, Just says. That is why at least the minimal version of the IAFP is recommended – and relatively easy to implement with the guide. “You have to look at financial management as a holistic issue,” says Just.

“The IAFP shows what the impact is on us”.

Patricia Bär makes the theory clear with a case study. The head of the finance department of the city of Bern reports on the financial planning for the new 50-metre swimming hall. The cost was 75 million Swiss francs.

In the video she explains how the project was integrated into the budget planning.

Do not postpone investments

Patricia Bär admits that the city of Bern is also struggling with the issue of new debt: “But that doesn’t necessarily have to do with COVID-19.” Tax revenues were already lower than expected in 2020. The city has reacted with a package of savings measures, but this does not affect planned investments – such as new school buildings or the renovation of sports and water facilities. This makes it all the more important to draw up financial and budget plans that are as accurate as possible.

Andi Burri, Co-Founder and Managing Director Loanboox Switzerland, also feels the uncertainties in daily conversations with financial managers. In addition to Corona-related additional expenditures and lower tax revenues, negative interest rates and the threat of a loss of creditworthiness are a concern for municipalities. “We try to support and advise them with our expertise,” says Burri.

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