For banks and lenders: Improve results where they take effect immediately
When the debt service capacity of an exposure comes under pressure, speed matters. We reduce your corporate client’s indirect costs – without investment, without an advisory budget and without interfering in your credit decision.
Situations where we help
Earnings and debt service capacity are collapsing, the rating is slipping.
A covenant has been breached or a rollover is due, and the bank expects action.
The exposure moves into intensive care or into workout.
A restructuring concept (IDW S6) calls for robust, quantified measures.
The client is meant to cut costs but cannot afford another advisory fee.
The 13-week liquidity plan shows a gap that has to be closed at short notice.
Why indirect procurement in particular
Non-personnel costs are the block least often touched in crisis discussions. Personnel measures are slow, painful and rarely effective within weeks. Working capital has usually already been leveraged.
Indirect procurement, by contrast, holds contracts that have been renewed unchanged for years: energy, logistics, facility, IT, fleet, insurance, waste disposal. These savings take effect immediately in the P&L and in liquidity – without investment and without interfering in operations.
How to bring Savify in
Recommendation in the client conversation
You name Savify as a concrete measure in the annual, crisis or rollover discussion. The client decides, we report to them.
Example: “Before we talk about deferring repayments, have your non-personnel costs reviewed. It costs you nothing if nothing is saved.”
A fixed component in the action plan
In intensive care, Savify sits alongside personnel and working-capital measures as its own indirect-cost measure with an owner, a timeline and an expected effect.
Example: an indirect-cost measure with an interim report after eight weeks for your credit committee.
Admission to your advisor pool
Savify becomes a pre-qualified implementation partner for indirect costs that your relationship managers can recommend from a list, without aligning internally every time.
Example: a short profile and reference sheet for your partner overview.
Joint formats for corporate clients
A webinar, round table or client letter on the topic of non-personnel costs. You position yourself as a bank that brings solutions, not just conditions.
Example: a 45-minute webinar for your corporate clients, delivered by us, hosted by you.
What this delivers for your exposure
- Better debt service capacity without fresh money.
- A robust argument for the credit committee: a quantified measure instead of a declaration of intent.
- Less pressure on risk provisioning and value adjustments.
- Client loyalty: you deliver a solution that costs the client nothing if it does not work.
Where your compliance allows it, partner arrangements with a share in the success fee are possible. If not, it stays a pure recommendation – the benefit for your exposure is the same.
What we take on, what stays with you
Savify takes on
- Analysis of indirect spend
- Benchmarking
- Negotiation with suppliers
- Implementation down to the contracts
- Proof of savings
You keep
- The client relationship
- The credit decision
- The financing structure
We do not advise your client on financing or restructuring and take on no role that touches your liability.
Process
Recommendation or joint conversation.
Documents from the client: contracts, invoices, creditor list.
Analysis and negotiation within weeks.
A results report to the client, on request in a form they can present to you.
Frequent questions from banks
Does the client take on any cost risk?
No. Savify is paid exclusively out of realised savings. Without savings there are no costs.
Does this affect our advisory liability?
No. You recommend, the client engages, we report to the client. We do not act as an advisor to the bank.
How quickly can we expect an effect?
First savings typically materialise within a few weeks, because we start from existing contracts rather than new projects.
How do you handle data and confidentiality?
We work on the basis of a confidentiality agreement with the client. Information only flows to the bank if the client releases it.
Can we as a bank share in the success?
That depends on your compliance rules. It is possible, but not required. We follow your framework.