Question 1

What is TEBA Kreditbank?

Accepted Answer

TEBA Kreditbank is a specialized credit institution (Spezialkreditinstitut) that operates nationwide across Germany, focusing on factoring services and commercial and private financing solutions. As a subsidiary of VR-Bank Landau-Mengkofen eG, TEBA Kreditbank is part of the German cooperative banking sector.

With over 190 employees, the bank serves small and medium-sized enterprises (SMEs) with annual revenues ranging from €50,000 to €15 million. TEBA Kreditbank is a member of the Genossenschaftsverband Bayern e.V. (Bavarian Cooperative Association) and the German Factoring Association (Deutscher Factoring-Verband).

Question 2

When was TEBA Kreditbank founded?

Accepted Answer

TEBA Kreditbank was founded on January 31, 1972, as Landauer Teilzahlungsbank TEBA-Finanzierungs GmbH & Co. KG by Volksbank Landau eG. The bank was established to create an independent, flexible entity capable of efficiently handling numerous small-scale, short-term financing transactions that were operationally burdensome for cooperative banks under the tax legislation of that era.

Initially, the Federal Banking Supervisory Office (Bundesaufsichtsamt für das Kreditwesen, BAKred) granted permission only for installment and non-installment credits. Within two years (1974), the license was expanded to include granting loans and discount business. In 1979, the bank's authorization was further extended to include acceptance and guarantee business. On September 13, 1989, the institution was renamed to its current name, TEBA Kreditbank GmbH & Co. KG. Since 1996, TEBA Kreditbank has been authorized to conduct deposit and current account business.

Question 3

Where is TEBA Kreditbank headquartered?

Accepted Answer

TEBA Kreditbank is headquartered in Landau an der Isar, a town in the Dingolfing-Landau district of Bavaria, Germany. The bank's address is Lindenstraße 5, 94405 Landau a.d. Isar.

The institution moved into its first independent office premises on Harburger Straße in Landau in 1974. Prior to that, it was housed within the facilities of Volksbank Landau. TEBA Kreditbank is registered in the commercial register at the Landshut District Court under HRA 2607.

Question 4

Where does TEBA Kreditbank operate?

Accepted Answer

TEBA Kreditbank operates nationwide throughout Germany (bundesweit tätig). While the bank's head office is located in Landau an der Isar in Bavaria, its services are accessible to customers across all German states.

The bank maintains a field service (Außendienst) network that enables direct, personal consultation with clients throughout the country. TEBA Kreditbank serves over 1,500 customers across Germany, making its specialized financing and factoring services available to SMEs in various regions.

Question 5

What services does TEBA Kreditbank offer?

Accepted Answer

TEBA Kreditbank specializes in three core service areas:

Factoring Services: The bank has offered factoring since 1998 and provides both silent factoring (stilles Factoring) and full-service factoring solutions for B2B and B2C transactions. TEBA purchases invoices and typically pays 100% of the invoice amount (minus factoring fees) within one day without retention. The bank serves companies with annual revenues from €50,000 to €15 million and accepts VOB invoices (Verdingungsordnung für Bauleistungen - construction contract terms), making it suitable for craftsmen and contractors. TEBA Kreditbank serves all industries except main construction (Bauhauptgewerbe).

Commercial Financing: The bank provides specialized financing solutions for SMEs, including short-term and medium-term business loans, working capital financing, and equipment financing tailored to the specific needs of the German Mittelstand.

Private Financing: TEBA Kreditbank offers various consumer finance products, including consumer loans, car loans, and mortgage loans for individual customers.

The bank provides online banking platforms, call center support, and maintains current accounts, debit cards, credit cards, savings accounts, time deposit accounts, and pension plans. TEBA Kreditbank offers comprehensive services including credit checks, account management, transfers, and dunning procedures as part of its all-inclusive service packages.

Question 6

What makes TEBA Kreditbank unique?

Accepted Answer

Several distinctive features set TEBA Kreditbank apart in the German banking landscape:

Specialized SME Focus: As a dedicated Spezialkreditinstitut, TEBA Kreditbank concentrates exclusively on serving the Mittelstand with tailored factoring and financing solutions, allowing for deep expertise in this niche market.

Rapid Factoring Processing: The bank's ability to purchase invoices and disburse 100% of the invoice amount (minus fees) typically within one day provides exceptional liquidity support to small businesses. This speed, combined with no retention requirements, offers significant cash flow advantages.

Cooperative Banking Heritage: As a subsidiary of VR-Bank Landau-Mengkofen eG (owning over 99% of shares as of 2022), TEBA Kreditbank benefits from the stability, values, and deposit guarantee scheme of the German cooperative banking sector (Bundesverband der Deutschen Volksbanken und Raiffeisenbanken).

Strong Credit Rating: Despite being a relatively small specialized institution with total assets of approximately €122 million, TEBA Kreditbank holds a Fitch long-term rating of AA- (very high credit quality) with a stable outlook and a short-term rating of F1+ (highest short-term credit quality).

Regional Roots with National Reach: Founded as a local institution in Bavaria, TEBA Kreditbank has successfully expanded to serve customers nationwide while maintaining its commitment to personal, transparent communication and customer-oriented service.

VOB Invoice Purchasing: Unlike many factoring providers, TEBA Kreditbank accepts VOB invoices (construction progress invoices), making it particularly attractive to craftsmen and construction service providers.

Question 7

What type of financial institution is TEBA Kreditbank?

Accepted Answer

TEBA Kreditbank is classified as a Spezialkreditinstitut (specialized credit institution) under German banking law. More specifically, it operates as a Kreditbank (credit bank) structured as a GmbH & Co. KG (limited partnership with a limited liability company as general partner).

As a specialized credit institution, TEBA Kreditbank holds a full banking license from the Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht, BaFin) but focuses its business activities on specific market segments rather than offering the full spectrum of universal banking services. The bank is authorized to conduct deposit business, current account operations, lending, discount business, acceptance business, and guarantee business.

TEBA Kreditbank is also part of the German cooperative banking sector as a subsidiary of VR-Bank Landau-Mengkofen eG. It is a member of the BVR Institutssicherung GmbH (the officially recognized protection scheme) and the additional voluntary protection scheme of the Federal Association of German Cooperative Banks (Bundesverband der Deutschen Volksbanken und Raiffeisenbanken e.V.), which provides deposit protection for customers.

The bank's legal structure as a limited partnership allows for flexible governance while the GmbH general partner (TEBA Kreditbank-Komplementär GmbH) limits liability. This structure is registered at the Landshut District Court under HRA 2607.

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