Financial Services

Our business

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. 

Equipment and technology finance

We offer a comprehensive range of financing and leasing solutions for equipment and technology for companies of any size and for the public sector.

Our innovative portfolio comprises various financing options such as operating and finance leases, pay-per-use models and energy-efficiency programs.


Vendor finance

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.

Extended payment plans

Extended payment plan products allow Siemens customers to effectively extend payback periods up to 180 days. Using this financing solution, independent of banks, the company can be provided with additional liquidity.   


Invoice financing (factoring)

The financing solution known as factoring allows companies to generate liquidity from their customers’ outstanding payments by selling SFS the receivables produced by the delivery of goods and services. SFS assumes the whole default risk within a previously agreed-upon time frame. 


Trade finance (only in the United States)

If short-termed credits are needed to ensure the flow of goods between customers and vendors and to decrease payment terms, trade finance provides a flexible solution for the immediate payment of open accounts at attractive capital costs. 

Equity investments

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 and services or as a general contractor.

We support projects – across the development, construction and operation phases – that promise an appropriate return in terms of the project’s risk profile.

Debt finance

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. Acquisition and growth financing, typically in the form of syndicated loans, is also available, with both floating and fixed-rate options covering a broad range of transaction volumes. 

Leveraged finance

Private equity and corporate clients around the world turn to Siemens Financial Services for cash-flow loans to support their strategic goals. 

We allow customers to take advantage of lending solutions, including leveraged buyouts, acquisitions, expansion capital, refinancing, mergers, and recapitalizations, aimed principally at the middle market. 


Asset-based lending

We provide additional liquidity precisely at the time that companies need it the most: when lines of credit for alternative forms of financing have been exhausted or when large amounts of money are needed on a short-term basis.

Assets that are borrowed against serve as collateral, for example inventory and unpaid invoices from the company. 


Asset finance

We offer financing for machinery, facilities or high-tech equipment and provide security for these assets. Asset Finance is generally used in cases where short-term cash credits or working capital is needed. 

Project and export finance

We act as a financial adviser to Siemens Divisions and structure, arrange and implement financing solutions and risk-mitigation concepts for Siemens customers worldwide. 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. 


Trade finance advisory

We advise the Siemens Group on all matters related to letters of credit, guarantees and sureties. We provide professional services that meet international banking standards. Our group guarantees and sureties are accepted worldwide by customers and banks as part of major projects and as secure and low-cost alternative to banking guarantees and sureties. 

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 the Siemens group and selected thirdparty  companies as a skilled partner for everything relating to the management of insurable risks, including their transfer to the insurance and financial markets. Our portfolio covers a wide range of services, from qualified risk analyses to implementing global industrial insurance solutions and handling claims. Through the innovative use  of insurance solutions, we contribute to business success. 


Private finance solutions

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

Corporate Pension has 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.

With more than 25 years of experience in occupational  pension schemes, Investment Management & Services provides attractive funds solutions for institutional and private investors as well as a broad service approach. 

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


Contact Siemens Financial Services

Zitah Affindi

Tel: +65 6490 8552