Patrimonium’s senior lending strategy targets the growing financing gap emerging as traditional lenders pull back from lower mid-market borrowers. The heightened capital requirements introduced under Basel IV make these loans less attractive for banks, despite the sector’s continued economic relevance. Consequently, mid-sized companies increasingly turn to alternative, specialized financing providers like Patrimonium, that is positioned to meet this demand with disciplined underwriting, tailored structures, and long-term partnership focus.
Patrimonium’s focus on sound credit metrics – combined with the meaningful, additional downside protection provided by high equity values and hard-asset collateral – contributes to the resilience of its portfolios also in weak economic environments.
Patrimonium benefits from long-standing relationships and hands-on engagement with its portfolio companies, and more than two decades of experience and a proven track record across multiple credit cycles,
Our middle-market debt funds consist of senior secured loans to lower mid-market companies with sound business models and annual revenues between EUR 50 million and EUR 500 million. Our geographical focus is on Germany and neighboring European countries. We target businesses with positive operating cash flows and typically require tangible assets as additional collateral.
Private Credit
Quarterly dividend payments
EUR 750m
2018
EUR
Senior-secured lending to middle market companies
8%-10%
Institutional Investors
8 yrs.
Luxemburg SICAV SIF SCA
No leverage at fund level
Dividend paying fund shares
Closed-end; no cash liquidity
Patrimonium Asset Management AG
Aztec Financial Services (Luxembourg) S.A
Aztec Financial Services (Luxembourg) S.A
CSSF (Luxembourg)
 
						