Insights

How the Market is Adapting

What this means

The financing market is not disappearing; it is shifting from bank balance sheets toward private capital.

01

Private Expansion

As banks retreat from non-standard lending, private market investors have increasingly stepped in to provide capital. This shift has accelerated across Europe and other developed markets, particularly in private credit and structured financing.

02

Alternative Finance

Many businesses that previously relied on bank financing are now funded by private market funds with more flexible mandates and faster decision-making processes.

03

Institutional Scale

Leading investors such as Apollo and Carlyle have helped scale this model by combining credit investing, structuring expertise and selective equity participation, especially in situations where traditional banks are no longer the natural provider of capital.

04

Debt + Equity

These hybrid strategies are designed to generate cash flows through debt while also capturing long-term upside through equity exposure, creating a more complete return profile than traditional.

01

Historic Dominance

For decades, banks were the primary financiers of the economy. They played a central role in funding businesses, real estate, working capital, and asset-backed opportunities across the market.

02

Regulatory Shift

This model worked well as long as banks could efficiently underwrite a broad range of transactions, including smaller and more customized financings for SMEs and businesses.

03

Broad Mandate

In recent years, however, the banking model has changed structurally. Stricter regulation, higher capital requirements, and growing compliance obligations have made many types of lending less attractive for banks.

04

Bank Retreat

As a result, banks increasingly prioritize standardized products and larger clients, while non-standard, asset-backed and more customized transactions have become harder to finance through traditional bank channels. In the U.S. alone, banks went from financing around 70% of the mid-market segment to just 10%.

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Triple Finance Group is a modern investment holding focused on companies operating in real estate, infrastructure, financial services, and SME financing.