The compact guide provides decision-makers in medium-sized companies with insight into the thinking and actions of banks, explaining the constraints they face in credit decisions. It clearly outlines how the rating works according to Basel III and how the rating can be improved in corporate practice. The book enables entrepreneurs to conduct bank discussions on equal footing. Practical tips ranging from tax optimization to the use of public funding as sensible financing instruments, along with checklists for implementation in the company, make this book an indispensable guide. Clearly structured and written in accessible language, this compact guide offers decision-makers in medium-sized companies an understanding of the thought processes and actions of banks.