ASN Bank digitises the entire business financing journey
Making it easier for SMEs to find and secure financing
Small and medium-sized enterprises (SMEs) play a crucial role in driving economic growth.
Yet in recent years, they have faced significant challenges obtaining appropriate financing. For many traditional banks, lending to SMEs has proven less profitable, resulting in high rejection rates and elevated interest costs for those who do succeed. Originally initiated at Volksbank - now operating as ASN Bank - this transformation tackled the challenge head-on by modernising the entire business financing process, making it faster, more accessible and more customer-friendly.

Aligned with the mission
ASN Bank sought a technology partner who could help digitise the entire application process for its business financing products offered through the ASN Bank and RegioBank brands.
The objectives were clear
Akkuro Lending provided a solid foundation to automate credit processes and manage loans efficiently, while still allowing tailored adjustments to match Fundion’s unique concept.
Robust digital expertise
Akkuro’s team worked closely alongside Fundion employees, spending time on the ground to understand the business process thoroughly and translate it into an effective digital workflow.
Shared values
The project required a partner who could align with ASN Bank’s values of simplicity, transparency and personal service as well as Akkuro Lending rose to the challenge.
"Our mission is banking with a human touch," said Dennis Karacan, Product Owner Business Lending at ASN Bank.
"For our business financing, that means simple and transparent products with personal support. With Akkuro, we found a partner who could translate these principles into a seamless application process."
"We can now respond more proactively to the needs of entrepreneurs, so they get the liquidity they need sooner and can focus on what they do best: running their businesses."


This transformation has had a clear and measurable impact
Shorter lead times
After submitting the required documentation, SMEs and self-employed professionals can access their financing within five working days.
Increased customer satisfaction
The streamlined experience, combined with the option of personal support, has been well received by clients.
Instant quotes
Even for financing commercial properties, clients now receive immediate offers.
"This digital solution increases our effectiveness, allowing us to offer suitable financing faster, including for business premises,"

Within just six months, ASN Bank and Akkuro Lending launched a fully digitised business financing journey.
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