---
title: "Unternehmensfinanzierung: Kreditfinanzierung häufig wieder schwieriger"
url: "https://bga.de/presse/pressemitteilung/unternehmensfinanzierung-kreditfinanzierung-haeufig-wieder-schwieriger/"
description: Sinkende Umsätze, weiterhin hohe Kostenbelastungen, Zurückhaltung bei privatwirtschaftlichen Investitionen, steigende Tendenz zum Beschäftigungsabbau, erhöhte Insolvenzen, sinkende Zahlungsmoral – sind Stichworte, die die aktuelle wirtschaftspolitische Diskussion zunehmend prägen.
author: BGA
date: 2022-12-06
modified: 2026-09-01
keywords:
  - BGA
---

# Unternehmensfinanzierung: Kreditfinanzierung häufig wieder schwieriger

07.11.2025

[zurück zur Übersicht](https://bga.de/presse/presse/page-1/)

[ Unternehmensfinanzierung: Kreditfinanzierung häufig wieder schwieriger ](https://bga.de/presse/pressemitteilung/unternehmensfinanzierung-kreditfinanzierung-haeufig-wieder-schwieriger/)
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Sinkende Umsätze, weiterhin hohe Kostenbelastungen, Zurückhaltung bei privatwirtschaftlichen Investitionen, steigende Tendenz zum Beschäftigungsabbau, erhöhte Insolvenzen, sinkende Zahlungsmoral – sind Stichworte, die die aktuelle wirtschaftspolitische Diskussion zunehmend prägen. Vor diesem Hintergrund nimmt der BGA eine Information der KfW vom 6. November 2025 über das Verhalten von Banken bei neuen Kreditanträgen von Unternehmen, vor allem kleinen und mittleren Unternehmen, kritisch wahr.

| \| \| \| \| [![Balkendiagramm zeigt, dass die Ablehnungsquote von KMU und alle Unternehmen gestiegen ist](https://bga.de/data:image/jpeg;base64,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Deutsche Unternehmen kommen derzeit schwer an neue Kredite, lautet die Botschaft der KfW-Information. Nach einer aktuellen Umfrage unter Banken (Bank Lending Survey) berichten mehr Finanzinstitute, Kreditanträge im dritten Quartal 2025 abgelehnt zu haben. Gemessen am Saldo der abgegebenen Antworten, meldeten 13 Prozent der Banken eine Zunahme der Ablehnungsquote, während es im ersten und zweiten Quartal nur rund 6 Prozent waren. Hauptursache für die gestiegene Zurückhaltung sind nach Ausführungen der KfW die erhöhten Kreditrisiken durch die schwache Wirtschaftslage, unter anderem bedingt durch die US-Zollmaßnahmen. Zudem trage die seit rund drei Jahren steigende Anzahl an Unternehmensinsolvenzen zur Strenge der Banken bei. Die Ablehnungsquote von Kreditanträgen kleiner und mittlerer Unternehmen liege im Schnitt der letzten Quartale über dem Wert für das Aggregat aller Unternehmen. Jedoch sind gerade KMU auf Bankfinanzierungen angewiesen, da ihnen weniger alternative Finanzierungsmöglichkeiten als Großunternehmen zur Verfügung stehen.

 Die Zusammenfassung, nach der, insgesamt betrachtet, die Vorsicht der Banken angesichts der Risikolage nachvollziehbar sei, mag finanzwirtschaftlich begründet werden können, aus Sicht des BGA stellt sich jedoch die Frage, welche Folgen sich bei einer anhaltend schwierigen Wirtschaftslage hieraus für die Unternehmen im Groß- und Außenhandel und damit für die weitere wirtschaftliche Entwicklung insgesamt ergeben. Der BGA wäre daher für Hinweise aus Reihen der Mitgliedsverbände verbunden, ob diese Entwicklung auch in den verschiedenen Branchen und den Regionen des Groß- und Außenhandels festgestellt werden kann, um eventuell proaktiv handeln zu können. Zudem beabsichtigt der BGA, sich wieder an der Unternehmensbefragung 2026 der KfW und zahlreicher weiterer Wirtschaftsverbände zur Unternehmensfinanzierung zu beteiligen, um eine aktuelle Einschätzung der Unternehmen- und Investitionsfinanzierung zu erhalten.

 hre Anmerkungen und Fragen richten Sie bitte an <michael.alber@bga.de>.

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![](/fileadmin/user_upload/People_BGA_Farbe/People_BGA_2023/Hoeckle.jpg)

 **Alexander Hoeckle**
Abteilungsleiter Außenwirtschaft + Zoll
Am Weidendamm 1 a, 10117 Berlin
[030 59 00 99 565](tel:030%2059%2000%2099%20565)
<alexander.hoeckle@bga.de>