Founded more than 15 years ago as experts in Automotive Finance, we continue to lead in this core area while expanding our horizons over the years. Today, our portfolio encompasses Automotive-, Consumer-, and Equipment Finance as well as the Manufacturing Industry sector, empowering businesses for success.

Automotive Finance

The automotive finance business, especially the captive segment, has seen decades of almost continuous growth. However, more recently the market has experienced its fair share of disruption, whether via developments from within the automotive industry itself, such as electrification, or due to new entrants, many without automotive heritage and whose proposition is technology-based. Credit and leasing players must adapt their product & service offerings, strengthen their operational efficiency and their distribution capacities, whether through business-partners or directly. Mobility services innovation, such as car-sharing and subscription, have impacted negatively on margins, whilst increasing complexity and putting pressure on legacy IT, which must now serve customer expectations of real-time online access, speed, and flexibility.

Avantalion helps clients in all areas of Automotive Finance and Mobility Services, whether established businesses or recent arrivals in the sector. With a strong heritage in the mobility sector, Avantalion can tailor its offering in areas such as Project Management, Business Process Management, and Lean Management, as well as provide bespoke services in areas such as the modular definition of financial products and future-orientated operating models.

Key market indicators, in 2022 in the EU

40 M

of used vehicle traded per year

280 Bn €

financed by leasing

7 %

of GDP

9 M

of new vehicles sold, including 1 million electric vehicles

115 Bn €

financed on credit

29 %

of total private sector R&D expenditure


• Usage vs. Ownership
• Low-emission Vehicles
• “All Inclusive” service offer
• Market fragmentation (premium vs low cost)
• Multi-modal transportation
• Car-sharing & car-pooling
• Regulation and road-pricing (LEZ, diesel taxes/weight, …)

• Supply chain under pressure
• Used-vehicle supply
• Used-vehicle price volatility
• New dealer distribution models
• Direct distribution
• New manufacturers
• New distribution partnerships

• Utilisation Risk vs. Credit Risk
• Technology obsolescence
• Product & service diversity and complexity (maintenance insurance, etc.)
• Service and supplier management
• Financial product and consumer regulation
• Synergies/convergences of resources and offers between traditional fi-nanciers and leasing players (LTL / fleet management equipment fi-nance)
• Direct-to-consumer and digital user-journeys
• new IT architectures at the service of business lines (distribution mar-keting management finance risk)
• Multi-country synergies (balances between central services/back office vs. local services/front office)
• ESG regulations and obligations

Consumer Finance

In a market under the constant shadow of inflation and rising interest rates, consumer credit players, like distributors and financing actors, are engaged in intense competition to differentiate by the value and quality of their offers, their omnichannel and digital journeys, and their level of engagement with the customer. Efficiency challenges are increasing as operating costs and risks rise. In an increasingly regulated environment, credit and leasing players are always juggling the needs to fulfil their obligations toward customers with the interests of shareholders and the need to invest in the digitalization of the customer relationship, the facilitation of underwriting, risk management, development of new solutions (e.g. Buy Now, Pay Later), and the creation of value through the improved management of vast data volumes.

Avantalion tailors its services to meet client’s business needs. With a thorough understanding of the consumption trends, the latest technology developments and new players bringing those solutions to market, Avantalion helps deliver for its clients either “top line” growth  or improved operational and financial efficiency.

With a wide range of accelerators that allow us to provide our clients with high quality services, Avantalion capitalizes on state-of-the-art methods and tools, such as Project Management, Business Process Management, Lean Management and more.

Key market indicators, in 2022 in the EU

420 Bn €

financing to individuals (excluding assigned credit & car leasing)

2 M

of direct jobs on the financing activity

2,805 Bn €

for total oustanding of consumer credit

150 Bn €



financing institutions

60 %

of Europeans have already taken out consumer credit


• Ease of use
• Seamless processes
• Self-service
• Instantaneous response
• Usage vs. ownership
• Online/mobile subscription
• Flexible payment options
• Circular economy / 2nd hand
• Personalization of offers and services

• Competition between traditional retail and e-commerce
• Omnichannel customer journey
• Mobile apps
• Customer loyalty
• Data exploitation and monetization
• Personalization of the customer relationship

• Mastery of data (sales, granting, risk, etc.)
• Development of a complete range of services (selfcare insurance, etc.)
• Excellence in customer relations
• Design and management of complex IT architecture (distribution, marketing, management, finance, risk, etc.)
• Multi-country synergies (balances between central services/back office vs. local services/front office)
• Synergies/convergences of resources and offers between traditional finan-ciers and leasing players (LTL / fleet management equipment finance)
• Sustainable financing and ESG reporting requirements
• New actors and funding providers
• Digitalization of customer and user journeys

Equipment Finance

Technology and industrial equipment are at the heart of nearly all companies’ operations: Manufacturers must provide efficient equipment at a faster pace, integrating technological breakthroughs such as AI and real-time connectivity, whilst meeting the challenges of energy efficiency and decarbonization. Client companies are in search of flexible solutions providing access to high-performance and easily renewable equipment, at predictable cost, and are increasingly engaging with pay-per-use propositions. Financing companies, in addition to the enduring challenges of OEM-partnerships and working with distribution networks, must optimize their multi-country models/platforms and implement ESG strategies, to transform their business models and prepare for the future.

Avantalion guides the transformation of its customers in Equipment Finance from conception to successful implementation of product, process and technology solutions in credit and leasing operations. With a demonstrable track record of more than 15 years, we combine comprehensive sector specific capabilities with profound professional and methodological competence, particularly in Project Management, Business Process Management and Lean Management.

Key market indicators, in 2022 in the EU

1,910 Bn €

(excl. cars) of total financing to enterprises

294 Bn €

of construction

922 Bn €

for manufacturing industry

787 Bn €

for leasing

10 Bn €

for agricultural equipment

107 Bn €

for IT


• Pay-per-use vs. Leasing
• Sustainable financing
• Co-location
• Flexibility

• Equipment-as-a-Service
• New distribution models (dealers, brokers, direct,…)
• Multi-lifecycle management
• Sustainability, asset remarketing and disposal

• Mastery of diverse assets (technique, use … VR impact)
• Service bundling (insurance, maintenance…)
• Design and management of complex IT architecture (distribution, marketing, management, finance, risk, etc.)
• Multi-country synergies (balances between central services/back office vs. local services/front office)
• Synergies/convergences of resources and offers between traditional financiers and leasing players (LTL / fleet management equipment finance)
• Sustainable financing and environmental reporting
• Disruptors and new market entrants (leasing brokerage platforms)
• Digitalization of customer and user journeys (ELS, TLS,…)

Manufacturing Industry

The current challenges for manufacturing industry are as diverse as they are complex. Rising manufacturing costs, difficult macro-economic conditions and ever-greater environmental scrutiny are all greatly increasing the burden on business. Strategic decisions to outsource or offshore production are challenged by uncertainties in supply chain and supply security; not only are rising transportation costs stressing the global supply chain, but so are quality defects, production disruptions and concerns regarding the associated environmental impact.
Successful businesses of the future will be increasingly those who can differentiate themselves from their competition and deliver products and services tailored to the individual needs of the end-client, but still at competitive prices and in the shortest possible time. All processes in the entire value chain, whether customer-facing or in the back-office, must be optimized right across the company’s landscape and all designed to minimize waste. Opportunities to increase productivity and efficiency must also be sought in the administrative and support areas of the company. The service business is gaining in importance. The ability to develop and implement hybrid service bundles and even holistic system approaches is becoming crucial to success.

Avantalion supports and guides transformation from conception to the successful implementation of change. The solutions we develop are individually tailored to the needs of the business and the market in which it operates. A focus on operational excellence characterizes all the transformation projects we conduct. In addition to profound project management and business process management, we use the principles, methods and tools of lean management to design processes with minimal waste and to establish a culture of continuous improvement.

Key market indicators, in the EU

(The key market indicators mentioned here refer to renewable energy, which is a representative of the manufacturing industry)

22 %

share of renewable energy in 2021

163 Bn €

turnover of renewable energy industry in 2020

21 %

of total EU employment in renewable sector in 2020 was linked to wind power

32 %

target by 2030 of share of renewable energy

13.7 Bn €

gross growth turnover compared to 2019 in 2020

1.3 M

jobs in renewable energy industry in 2020


(The challenges mentioned here refer to renewable energy, which is a representative of the manufacturing industry)

• Awareness of alternatives and new technologies
• High initial investment costs
• Compatibility with existing infrastructure
• Behavioral adoption of renewables
• Availability and accessibility of renewable energy options for households

• Market regulations for renewables
• Upgrading distribution infrastructure
• Standardizing renewable energy interconnection
• Effective coordination and management of decentralized renewable energy sources
• Expanding grid capacity and flexibility to accommodate growing renewable energy capacity

• Reduction of carbon footprint, for example energy and raw-material consumption, within the manufacturing process
• The need to use sustainable materials and minimize waste
• Ensuring environmentally friendly decommissioning of renewable energy installations
• High costs of renewable energy technologies, which may deter some consumers
• Building manufacturing scale to meet increasing demand and lower unit costs for the end-consumer
• Improving the durability, resilience and reliability of new technologies

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