Finance my business
Rabobank offers high-end products and advisory solutions to help you finance your assets, improve financing structure, manage working capital and generally optimise your supply chain.
Rabobank’s Debt Capital Markets offers you solutions that you can use to raise funds, especially long-term funds.
Rabobank can advise you and ensure that your company’s debt is offered to the market in the right format, at the right time and at the right price. Our product knowledge is based on strong foundations. Not only do we develop and structure unique products, but we also provide you with access to our retail and institutional distribution channels.
We operate these businesses from Utrecht, London, New York, San Francisco, Hong Kong, Singapore, Sydney and Sao Paulo.
Our offer
Thanks to our strong track record and sector focus, our clients and other lenders see us as a key partner in syndications. Our bond market specialists are highly experienced in the structuring and placement of various bond solutions.
We originate and execute cross-border and domestic US and EU private placements for our clients in a variety of categories, from vanilla senior unsecured to structured project financing and credit tenant lease notes.
Securitisation and Covered Bonds (issuance) are attractive ways of financing your business or to achieve balance sheet optimisation. Rabobank is a key player in the Benelux asset-backed securities and covered bond markets.
With our hybrid capital structuring, liability management and rating advisory we offer our clients a wide range of balance sheet management and financing options. Rabobank is a leading structurer of hybrid capital, employing the latest techniques and terms to provide our corporate, financial institution and public sector clients maximum flexibility when accessing this product.
Sustainable finance solutions
For Rabobank, sustainable loans are the embodiment of our mission Growing a Better World Together. Because of our long-term relationship with clients, Rabobank is equally equipped and driven to help our clients to jointly set the sustainability targets. Incorporating sustainability targets in a loan is fully integrated within the regular syndication process and is suitable for companies of all sizes and for most industries. We are always open to start a dialogue and further investigate the possibilities for sustainable loans.
Making Sustainable Finance the Norm
Since first hitting the European syndicated market in the mid-2010s, sustainable loans have been gathering momentum and are now growing rapidly. They are maturing from being a niche product to a standard of the syndicated loan market. Transaction volumes in the first four months of 2021 are already comparable to the figure for the whole of 2020.
Sustainable loans in a nutshell
It is safe to say that sustainable loans are here to stay. But what exactly are sustainable loans? It is important to note that there two types of sustainable loans. The first being a green loan. This is a type of loan instrument that is created exclusively to (re)finance eligible green projects. The second type is the sustainability-linked loan. The core of this concept is to link a company’s sustainability progress to the margin paid on its bank facilities. The discount on the margin is seen as a benefit for the company. And by re-investing that discount to further improve the sustainability performance, the practical impact and positive communication value increases. Another benefit, applicable to both types of sustainable loans, is that the sustainability criteria and commitment to reporting on sustainability to external as well as internal stakeholders enhances the image a company projects of itself both to the outside world and within the organization.
By many, sustainable loans are regarded as a concept that marries the needs of environmentalism as well as the needs of capitalism. Which explains why demand has risen in recent years. Our dashboard shows a rapid increase in the percentage of sustainable loans in food & agriculture.
Combined with large numbers of non-sustainable loans reaching their maturity dates in the coming years, this offers ample room for opportunity. (View PDF file below.)
But the adoption rate of sustainable loans seems to differ per continent and country even. (View PDF file below.)
So we are far from reaching our ultimate goal; which is making sustainable finance the norm.
For Rabobank, sustainable loans are the embodiment of our mission Growing a Better World Together. Because of our long-term relationship with clients, Rabobank is equally equipped and driven to help our clients to jointly set the sustainability targets. Incorporating sustainability targets in a loan is fully integrated within the regular syndication process and is suitable for companies of all sizes and for most industries. We are always open to start a dialogue and further investigate the possibilities for sustainable loans.
On the data
Data sources
Rabobank Export Finance finances the import and export of capital goods and services, and (F&A) commodities trade, globally. The relevant credit, country and political risks are mostly covered by government-backed Export Credit Agencies (ECAs). Our key sectors are food & agribusiness, the energy transition and Dutch industry.
Rabobank’s Project Finance team has a global presence and a strong focus on advising, structuring, arranging and underwriting (complex) project finance transactions. Our focus is on the renewable energy and infrastructure sectors, as well as on Rabobank’s corporate and Food & Agri clients.
We offer innovative financing structures that result in tailor-made solutions by offering a wide range of products that include FX and IRS hedging, cash management services, LCs and advisory services, in addition to senior and mezzanine financing. Through intensive co-operation with our strong markets team, we are able to include institutional (or other third party) funds, enabling us to provide large underwrites and longer tenors.
Wind, solar power and biomass
Rabobank was one of the first financiers in the offshore wind sector and has built up a strong portfolio in this sector, giving us a distinctive advantage in terms of knowledge and experience. We are a leading bank in this sector and we use our expertise and experience to the advantage of our clients and new projects.
In addition to offshore wind projects, the project finance division is globally engaged in onshore wind, solar PV, Concentrated Solar Power, biochemical and biomass projects. In the Netherlands, Rabobank has a large portfolio of onshore wind projects and is a front runner in the financing of geothermal projects for our clients.
Food & agri
Thanks to the fact that Rabobank has long been one of the most experienced service providers to the various food & agribusiness sectors around the world, Project Finance can offer tailored financial solutions to this sector by making use of the bank’s unique knowledge. Examples include biomass waste-to-energy, agri-to-chemicals and F&A infrastructure and primary processing.
Infrastructure
In the infrastructure sector, which includes roads and buildings (PPP structures), oil & gas storage, telecom, Floating Production, Storage and Offloading Vessels (FPSOs), Rabobank generates added value for our clients by combining its expertise across the entire spectrum of financing and in close co-operation with other disciplines within the bank. This is what enables us to provide our clients with services of the highest quality.
Rabo Corporate Investments has been the captive private equity arm of the Rabobank Group since 2002. Taking advantage of its access to all the expertise of the Rabobank Group, especially in the Food & Agri sector, Rabo Corporate Investments serves companies by providing all forms of equity through its various specialised labels.
Securing growth for your business and achieving ambitious targets often requires investments in equipment. At the same time, you prefer to keep your cash available to strengthen your increasing working capital needs. This is where leasing can work to your advantage as a true financing option. We can customise a lease to fit your business, in an on balance or off-balance structure, offering you a flexible credit facility to secure 100% of your investments, while matching the economic lifetime of the asset.
It is all about finding the right financing structure for your CAPEX requirements, whether it is for second-hand, new or completely innovative equipment. We can help you both in the Netherlands and abroad. We also offer options such as sale and lease-back structures, which is a very effective way of freeing up cash from existing assets in the event of mergers, acquisitions or buy-in and buy-out situations.
We tailor customised solutions that meet your specific requirements at any given moment in your company’s journey. Leasing is often just one component in any total finance solution for your business. It is complementary to other finance solutions and is easily embedded in your current finance structure.
About Rabo Lease
Specialising in leasing, Rabo Lease is the department that provides you with the best customised financing solution for your current and future CAPEX requirements, both in the Netherlands and abroad. Our clients are typically active sectors such as transportation, industry, agriculture, food, healthcare, construction and automotive.
About DLL
DLL is a global asset finance company and a wholly owned subsidiary of Rabobank. Globally, DLL provides financial solutions within the Agriculture, Clean Energy, Construction, Food, Healthcare, Industrial, Office Equipment, Technology, and Transportation industries.
DLL partners with equipment manufacturers, dealers, distributors, as well as end users, to enable businesses to access equipment, technology, and software more easily. DLL combines customer focus and industry knowledge to provide financial solutions for the complete asset life cycle, including inventory finance, retail finance and used equipment finance.
To learn more about DLL, visit www.dllgroup.com or contact us.
Structured Finance’s international team of 40 experienced, multi-disciplinary professionals arranges and participates in tailored structured finance solutions for corporate clients with specific financial objectives, who may face specific credit/solvency, fiscal, accounting or legal/ regulatory challenges.
Our offer
The Structured Finance team offers 3 distinctive product categories:
Junior Capital
Junior Capital includes all corporate financing ranking between (super) senior debt and straight equity. This could vary from preferred equity, profit participating loans, PIK loans, mandatory convertibles, pre-IPO financings, second lien loans, subordinated debt to equity financing.
Vendor Finance
Vendor Finance involves assisting clients to stimulate their sales by financing the (potential) buyers of their products. This includes direct financing, finance programmes (with limited recourse), or structures in which risks are insured by third parties.
Structured Finance
The drivers behind structured finance solutions are diverse. The main trends include companies seek to concentrate on their core business and improve their return on capital. Structured finance enables this, through focusing on, among others, a reduction of working capital or the removal of certain fixed assets from the balance sheet, for instance through sale and leaseback or repurchase agreements. In addition, a growing need to monetise contracts (future cash flows) is identified. Moreover, we structure funds to support our clients’ suppliers or buyers and manage the special purpose vehicles established for this purpose.
Areas
Examples of areas where Structured Finance can assist:
Value Chain Finance (VCF) offers flexible working capital solutions across receivables, inventory and payables.
As we provide solutions throughout the entire working capital chain, VCF could purchase inventory and receivables while also paying your suppliers directly under one integrated facility or alternatively address a single aspect of your financing need through a bespoke facility that is custom tailored to your company’s operating footprint.
The Trade and Commodity Finance business unit combines Rabobank’s long-term expertise in agricultural commodities, energy and metals finance. Our aim is to be your one-stop trade flow solution provider. In-depth product knowledge, embedded in a global branch network, forms the basis of our professional support for all your international trade finance transactions. We can customise a range of specialised products to suit your company’s specific needs.
Reach consumers around the world
The world’s population is growing at an unprecedented rate. The demands of consumers worldwide are increasing at a similar rate, but production possibilities vary by country and continent. The traditional relationships between producer and consumer countries are changing. Resources must be handled smartly to ensure the earth can continue to meet growing consumer needs and global prosperity continues to increase. This is where commodity traders step in with the help of Rabobank; because without global financing there is no trade. Trade finance facilitates that required commodities reach consumers around the world.
International commodity traders face more challenges than simply keeping up with the growing volumes of commodities. The international commodity trade is becoming more and more dynamic, and traders frequently need to make quick decisions that can have an enormous impact on their balance sheets.
This is why you need a bank you can trust - a financial partner that is an expert in this specialised area. When it comes to agribusiness, metals and energy, Rabobank Trade and Commodity Finance is a leader in the field. We have offices worldwide and build close and enduring personal relationships with our clients in every stage of the commodity value chain. Clients trust us because we have experts spanning the globe, specialists in both trade and in commodities. Our financial experts offer a range of products to meet your needs at every stage of the trade flow. We offer specialised financing, adapted to the global trade in real products.
Trade Finance facilitates its (exporting) clients’ trade transactions involving bank and/or country risks, largely consisting of confirmation and discounting of export Letters of Credit. Through our Structured Inventory Products, we provide ownership-based financing solutions, as an alternative to regular financing, to the bank’s clients and provide you with liquidity and/or a stock management tool.
We know
Trade and Commodity Finance serves Rabobank’s largest international clients. Clients that trade tangible products. We facilitate the trade flow that is an essential part of the global value chain; a trade flow of vital resources necessary to support prosperity in a changing world. We know our clients. We know the field. We know banking. Rabobank’s Trade and Commodity Finance is an essential part of the value chain, as shown by the numerous awards we win (including Best Commodity Finance Bank, Best Global Soft Commodity Bank) for years in succession.