ASN Bank digitises the entire business financing journey

Making it easier for SMEs to find and secure financing 

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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.

"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 digital solution increases our effectiveness, allowing us to offer suitable financing faster,"

Dennis Karacan

Product Owner Business Lending at ASN Bank. Connect with Dennis
Aligned with the misson | ASN Bank
A strategic partner

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

Shorten lead times, improve customer satisfaction, and retain the option of personal guidance, reflecting ASN Bank’s mission of banking with a human touch.

Robust digital expertise

Akkuro Lending delivered a platform capable of automating complex credit processes while still allowing personal assessment where needed.

Shared values

The project required a partner who could align with ASN Bank’s values of simplicity, transparency and personal service, and 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."

SME Lending playbook
Impact

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.

Strong partnerships create strong businesses

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