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Financing to invest in opportunities

Aligning ourselves with the growth fields of electrification, automation and digitalization, we support customer investments with leasing solutions and equipment, project and structured financing. We provide capital for Siemens customers as well as external businesses and serve as an expert adviser for financial risks within Siemens. Our financial and industry know-how creates customer value and enhances customer competitiveness while building trust in new technologies and facilitating their market launch.

What we do

We create value for Siemens by supporting the implementation of new technologies through our financial expertise. 

We offer a comprehensive range of finance and leasing solutions to businesses requiring finance for equipment and technology from both Siemens and third-party providers. Our customers range from large and medium-sized companies, international corporations, municipalities and public-sector entities to small, privately owned businesses.
Our innovative portfolio of products and services comprises various financing options such as finance lease, operating lease, hire purchase, rental, loans and software financing, as well as managed services. We also offer our customers flexible, usage-ased financing for their equipment and technology investments, such as pay-per-use and energy-efficiency programs. Our services also cover the management of financed assets including end-of-term issues such as logistics, equipment servicing and emarketing.

We support the sales-finance needs of national and international manufacturers, vendors and channel partners with vendor financing programs. Our specialized financing solutions are tailored to suit individual suppliers and their markets.We provide businesses with the sales financing tools needed to drive sales and improve competitiveness. We combine specialized vendor-financing knowledge with vendor-oriented processes and products to deliver an expert, performance focused service.

SFS’s project financing expertise enables large investments. Our solutions include: public-private partnerships, construction finance for large infrastructure investments and tax-exempt bond financing.

Debt Financing

Our structured financing solutions combine in-depth industry know-how and financial expertise. We provide tailored solutions in the areas of electrification, automation and digitalization, including in the healthcare sector. These solutions cover both the public and private sectors.The spectrum of our solutions ranges from senior secured loans to mezzanine debt and from structured asset financing to various forms of project financing, including different procurement schemes. Offered worldwide, our structured finance solutions are tailored to the individual needs of our customers and help them enhance their competitiveness and exploit growth opportunities."


Asset Finance

SFS can provide a customizable suite of solutions to meet your financing needs. We are comfortable taking a long-term view on concession-granting authorities and relying on the essential need for infrastructure assets. Our financial strength enables us to structure, underwrite and hold significant amounts of senior debt as well as to provide non-senior forms of capital."


Equity Investments

Jointly with our partners, we invest in promising infrastructure projects across a variety of industries worldwide. We focus on projects in which Siemens plays a key technological or economic role – usually as a supplier of core components or services or as a general contractor. We support projects – across the phases development, construction and operation – that promise an appropriate return in terms of the project’s risk profile, which means having to consider country and market risks and project specifics such as construction and operating risks."


Corporate Lending

We have the flexibility to meet the challenges of today’s complex lending environment. With our corporate lending solutions, we offer our global private equity and corporate clients with cash-flow loans to help support their needs and strategic goals.

  • Corporate lending
    We offer a wide array of financing products to address our clients’ needs, including senior debt as well as structured products and equity co-investments.
  • Asset-based lending
    Asset-based lending (ABL) is a specialized loan product that provides fully collateralized credit facilities to borrowers with high financial leverage and marginal cash flows."


  • Trade finance
    Our trades payables program in the United States increases cash flow and significantly reduces our clients’ days sales outstanding (DSO) by offering immediate payment of approved invoices at a competitive cost of capital.

  • Small-ticket invoice finance
    Our range of factoring in Germany and invoice discounting solutions in the UK help customers manage their liquidity, allowing businesses to unlock the value of unpaid invoices and realize company growth ambitions. 

  • Extended-term finance: Finetrading
    We offer Siemens’ customers extended payment arrangements with flexible terms, which helps liquidity and provides working capital for additional goods purchase.

We act as a financial adviser to Siemens Divisions and arrange financing solutions for Siemens’ customers worldwide. We structure, arrange and implement financing solutions and risk-mitigation concepts for Siemens projects. We are typically engaged in the early stages of project development and ensure that financial and risk-related aspects are taken into consideration from day one. We develop solutions on behalf of Siemens that balance the requirements of the project participants, meaning customers, suppliers and capital providers. Besides our well- and long-established relationships with members of the global financial community, we also benefit from our technical expertise when realizing projects. We are close to our customers via our global set-up and have access to a network of local experts and international financing partners.

We advise the Siemens Group in all matters related to letters of credit, guarantees and sureties. Our highly qualified teams with many years of experience at the Siemens Group and in the finance sector also offer innovative processing solutions. We provide the best-possible terms and guarantee facility conditions as well as professional services that meet international banking standards. Our Group guarantees and sureties are accepted worldwide by customers and banks as part of major projects.

On behalf of Siemens, we manage all aspects of financial risk management, corporate financing and payment transactions. We concentrate Company-wide liquidity on a daily basis, conduct global internal and external payment transactions, optimize financial risks and manage the treasury-related processes and activities of Siemens.

We support Siemens and selected third-party companies as a competent partner for all aspects relating to the management of insurable risks, including their transfer to the insurance and financial markets. We provide individual risk-management consulting services and tailor-made insurance solutions to our clients, which have proven their worth on many occasions both inside and outside Siemens. Our portfolio covers a wide range of services, from qualified risk analyses to implementing global industrial insurance solutions and handling claims.

Corporate Pensions has the financial responsibility for the Company-wide pension management. Its responsibilities range from the definition and review of the strategy to risk management and consolidation of Siemens pension accounts. This also includes the global coordination of pension topics for Siemens’ M&A activities.

We are a provider of high-quality asset management and exclusive services.

We offer:

  • asset management with a systematic, quantitative investment process,
  • customized fund solutions (AIF), 
  • a variety of mutual funds (OGAW),
  • over 20 years of experience with occupational pension schemes,
  • a broad service approach, for example as master-service-KVG with a strong focus on new regulations.

We provide a comprehensive portfolio of attractive and high-quality financial services products – in the fields of insurance, retirement planning and residential mortgage financing – for employees and retirees of Siemens (and their dependents) and for employees of unaffiliated companies in Germany.


We offer our customers the following benefits:

  • Quality-checked offers
  • Products exclusively from recognized providers
  • Attractive conditions and favorable premiums with group discounts
  • Professional advisory services and customer support at four Siemens locations in Germany

Financial Services around the world

Find a Financial Services representative from Siemens near you:













United Kingdom


Our financing solutions

Financial Services is a competent partner for companies and public­ sector institutions by providing needs-­driven financing solutions perfectly tailored to fit the product portfolio of Siemens.

The pace of change in many industries is now dictated by the pace of technological innovation. Siemens fuels that innovation with simple, effective financing solutions for our own and third-party technology, tailored to the markets our customers serve and the communities they are a part of. Vendors in nearly every industry can package high-tech with smart finance, and businesses of any size can tap into tomorrow’s technology to build a better future.
From revolving lines of credit and term loans to trade-finance facilities and invoice financing solutions, Financial Services from Siemens provides flexibility and cost-effectiveness within a stable, long-term partnership. Whether your aim is to establish lines of credit, optimize the maturity dates of your debt structure or consolidate and refinance debt when lower market rates beckon, there’s a Siemens Working Capital finance solution that’s right for you.
Effective cash-flow and debt management are crucial to the success of any business. Financial Services from Siemens combines in-depth industry know-how, financial expertise and extensive risk management experience to ensure that both communities and developers benefit from investment in critical infrastructure. Equity and debt financing tailored to the specific needs of your next energy, healthcare, industry or infrastructure project is available today.
Corporate financing can be a critical lever for businesses that need to maximize liquidity and flexibility. Making corporate lending work for you requires a partner who understands your industry and can structure a program that helps you achieve your goals. Siemens partners with mid-sized and large businesses, as well as multinationals and private equity sponsors around the world, bringing its unique industry expertise to bear on every project.

Further links & topics

Siemens Financial Services

Effective financing lays the groundwork for market success. Siemens can design a financial solution with the exact needs of your market and project in mind, letting you account for risk and take advantage of growth opportunities as they arise.

Business Enquiry Helpline:

Tel. 1800 209 1800

(Mon-Sat 8am to 8pm)