As a general rule, fees are only due once an SME loan has been successfully financed. In the event of complex transactions, the structuring process may incur fees which are agreed upon individually beforehand. The fees are borne by the SME applying for the loan and predominantly depend on the volume placed, the rating and the maturity according to the indicative figures in the table below. Special situations which deviate from standard financing structures in terms of leverage, equity coverage ratio, subordination, complexity, placeability etc. are agreed upon individually.