digital lenders & Investors:
auxmoney – Kasernenstraße 67, 40213 Düsseldorf
auxmoney is a digital lending platform for consumer loans in Europe. Through unique risk models and digital processes, auxmoney is able to provide access to credit for more people. auxmoney is a pioneer in promoting financial inclusion.
Chartered Investment Germany – Fürstenwall 172a, 40217 Düsseldorf
Chartered Investment is a fintech company in the field of financial engineering. Chartered owns several innovative technology platform solutions that will
be essential to the global financial industry in the future. These include the securitisation platform OPUS, the indices platform LIXX and the tokenisation platform eSEC. Through its technologies, Chartered is able to provide viable solutions as an independent CMaaS (Capital Markets as a Service) provider for banks, insurances, financial services providers, asset managers, and other professional participants of the financial market. Chartered Investment, based in Düsseldorf, Germany, was founded in 2013 and has implemented solutions totalling more than €4 billion for over 100 B2B clients in seven markets.
creditshelf – Mainzer Landstraße 33a, 60329 Frankfurt am Main
creditshelf shapes digital SME financing in Germany and arranges bank-independent, flexible financing solutions via its constantly growing network. Through creditshelf, SME entrepreneurs gain easy access to attractive alternative financing solutions, institutional investors can invest directly in German SMEs, and creditshelf’s partners can support their clients as innovative providers of new credit solutions. The core of the creditshelf platform is a data-driven risk analysis as well as unbureaucratic, fast and digital processes. The entire value chain comes from a single source. The creditshelf platform is used to select suitable credit projects, analyze potential borrowers’ credit quality, provide credit scoring, and determine risk-adequate
pricing. creditshelf has also been listed in the Prime Standard segment of the Frankfurt Stock Exchange since 2018.
CrossLend – Kemperplatz 1, 10785 Berlin
CrossLend is a fintech company providing „end-to-end“ solutions for credit asset transactions and loan securitizations. Our mission is to make the global credit and investment ecosystem more efficient, transparent and profitable. CrossLend is regulated by BaFiN and CSSF and backed by a number of renowned capital providers from Europe and the US. Since its establishment in 2014, CrossLend has been gaining experience in processing credit data and developing standardized technologies in digital debt management.
CRX Markets – Landsberger Straße 93, 80339 München
CRX Markets is a European marketplace for working capital financing. By trading receivables and payables, companies can optimize their cash flow through our global marketplace. Across all our products, companies can access a diversified liquidity pool. Today, our focus is on working capital financing for mid to large-sized companies operating on a global scale. CRX Markets is based in Munich, Germany, and was founded in 2012. Today, our international team drives the ongoing development of the marketplace and the onboarding of additional clients and investors.
DEBTVISION – Fritz-Elsas-Straße 31, 70174 Stuttgart
DEBTVISION operates a digital marketplace on which companies, investors and arrangers are directly connected to each other in order to make the bonded loan (Schuldschein) marketing process efficient and transparent. Via the platform, investors can access all relevant information and documents, manage their subscription requests and contact borrowers and arrangers directly in case of questions. DEBTVISION convinces with a steady deal flow and an efficient and continuously growing network of professional Schuldschein investors. As a joint venture of Landesbank Baden-Württemberg and Börse Stuttgart, DEBTVISION offers a unique combination of platform expertise and experienced capital market experts.
Estateguru Germany – Kurfürstendamm 165, 10707 Berlin
Estateguru is a pan-European digital lender for real estate secured loans for small and medium-sized enterprises (SMEs) and carefully selected investment opportunities for private and institutional investors worldwide. We are developing a digital and borderless ecosystem for real estate financing and investment in Europe and beyond. We connect different service providers, SMEs and investors in a single marketplace. This is how we create something unique that other financial institutions cannot offer: A seamless, cross-border and digital service for borrowers and investors. The team of 120 professionals with 18 different nationalities is based in Tallinn (HQ), Riga, Vilnius, Helsinki, Berlin, Yerevan and Manchester.
Isarlend – Agnes-Pockels-Bogen 1, 80992 München
fulfin is a provider of innovative financing solutions for online entrepreneurs. An internally developed AI and risk model creates the conditions for the approval of fast and flexible working capital loans. In doing so, fulfin supports its users with a range of specialized analytical tools that enable intelligent financing decisions to be made. The fulfin leadership team is made up of e-commerce and fintech experts and forms the basis for one of the fastest growing digital lenders in Europe.
Hegner & Möller – Bornholmer Straße 72, 10439 Berlin
Hegner & Möller GmbH was founded in 1991 by Lutz Hegner and Carsten Möller as a law firm for finance and real estate. From the beginning, the focus and claim was on a cross-market credit offer of the most diverse participants, in order to arrange the best possible loan alternative for the end customer as a consumer or entrepreneur. Even as one of the pioneers of fully digitalized, cross-bank loan brokerage, we have never lost sight of the importance of the individual expertise of our individual consultants as bankers. In this combination, we have been offering a P2P real estate loan since 2015 as the first association-regulated brokerage company in the field of „non-bank lending“ in Germany, which grants loans secured by land registers through private investors.
INVESDOR – Joachimsthaler Straße 30, 10719 Berlin
Invesdor Group is a European digital lender. It offers a wide range of investment services for private investors and digital financing solutions on an equity and debt basis for companies. Placements are made publicly or as private placements. It holds pan-European ECSPR license and is active in the core markets of Germany, Austria and Finland. INVESDOR Group was formed in 2021 from the merger of the three platforms Kapilendo (since 2015), Finnest (since 2015) and INVESDOR (since 2012).
iwoca Deutschland – Hanauer Landstraße 187 – 189, 60314 Frankfurt am Main
iwoca’s flexible loans are specifically tailored to the business models of the self-employed and small businesses. Through the interplay of fast processes and pioneering ‚embedded finance‘ technology, iwoca offers its loans exactly when and where they are needed – directly via its website or through seamless integration with partner offerings. iwoca was founded in London in 2011 by German Christoph Rieche (CEO) and his English co-founder James Dear (CTO & CRO). In 2015, the company entered the German market.
Montold Asset Management / Puls Technologies – Lietzenburger Straße 107, 10707 Berlin
Montold Asset Management, in collaboration with the Puls Project, has developed a financial planning tool tailored to small and medium-sized businesses. Users input their projected income and expenses, and the system promptly illustrates how their balances will evolve on any given day in
the future. Once they connect their bank accounts, Montold Asset Management, via the Puls Project platform, calculates and shows users’ available credit lines within 48 hours. This funding can be accessed by clients at any time, without the need for additional documentation or bureaucracy. In this manner, Montold Asset Management and the Puls Project are addressing cash management challenges and offering swift access to finance for small and medium-sized enterprises, thereby assisting and supporting entrepreneurs during challenging business periods.
nordIX – Ludwig-Erhard-Straße 1, 20459 Hamburg
Since its foundation in 2009, nordIX AG has specialized in investments in fixed-income securities and derivatives, currently manages several hundred million euros in various mutual and special funds, and supports institutional investors in investing in the bond markets. With the nordIX European Consumer Credit fund (ISIN: DE000A2P37M1) launched in April 2021, nordIX has made digitally originated consumer loans available to investors in a mutual fund for the first time. In addition to classic installment loans, the fund invests in buy now pay later loans and keeps an open mind to also invest in secured consumer finance.
Teylor – Zwicky-Platz 3, 8304 Wallisellen, Switzerland
Teylor is the Swiss technology company that has developed the Teylor Credit Platform, a suite of software modules that enable financial institutions to build, deliver and scale digital credit products. Banks throughout Europe use Teylor’s software modules to innovate their lending processes, digitise their products and reduce the cost of lending. SMEs rely on Teylor for fast and convenient access to capital through Teylor’s own private debt fund. Teylor can customise its software modules to fit the requirements of any credit provider and credit product. Lenders can pick individual modules to complement and integrate with their existing legacy processes and technologies or develop entirely new digital processes from scratch. Teylor is Zurich-based and was founded in 2018 by Patrick Stäuble.
Tapline – Novalisstraße 10, 10115 Berlin
Tapline, is a digital lending platform that allows subscription-based business models to trade their future receivables for upfront capital. It’s an efficient, fast and non-dilutive way for these companies to finance their business. Taplines cutting edge technology and expert knowledge allows them to underwrite investments and provide capital within 48 hours. Alongside this, Tapline provides its clients with a financial dashboard which allows them to monitor their most important business metrics. The company was founded in Berlin, Germany in 2021 by South African, Dean Hastie (CEO) and his co-founders Bulgarian, Peter Grouev (CIO) and German, Dmitrij Miller (CTO) and is backed by leading institutional and private investors.
Service providers:
Allen Overy Shearman Sterling – Bockenheimer Landstraße 2, 60306 Frankfurt am Main
A&O Shearman is an international legal practice with a global reach that spans Europe, the Americas, Asia, Australia, the Middle East and Africa. Thanks to its full-service one-stop-shop capabilities, it serves its clients on many of the most complex transactions and projects in the market, including in the digital lending space and Fintech more generally.
Annerton – Wöhlerstraße 5, 60323 Frankfurt am Main
Annerton is an independent law firm founded in 2020 and specialises in regulatory law in the financial sector. We consider ourselves to be part of the ecosystem and advise our clients at our offices in Berlin, Frankfurt a. M., Luxembourg and Munich with conviction and expertise. Our clients include established international groups as well as innovative start-ups active in the banking and financial services sector as well as the digital economy.
BSS – Flößaustraße 22, 90763 Fürth
BSS and its sub-brand identify is one of only four providers in Germany of digital identity solutions with a particular focus on the provision of BaFin and AML compliant video identifications and the ensuing digital onboarding process. Our specific strength lies in maximising the conversion rates of our partners, who seek to onboard merchants and their customers in a seamless, timely and user-friendly manner. Our definition of the identification process covers not just the confirmation of the identity of natural persons, but also the authentication and verification of all business documentation in one single process, as well as digital contract signing. We cover the whole digital identity value chain – that is to say digital onboarding and the ongoing due diligence necessary to ensure continual AML conformity. Furthermore, we also offer classic inside sales services such as new customer acquisition and first and second level customer support. Rapidly expanding, we plan to increase our headcount from 120 to 200 members of staff in 2023 and to widen our industry focus to include new customers outside of the payments and e-commerce arena which is our current area of expertise. GDPR, BaFin and AML compliance is a matter of course, our services can also be offered in a white label setting if required.
d-fine – An der Hauptwache 7, 60313 Frankfurt am Main
d-fine is a European consulting company focusing on analytical and quantitative challenges and the development of sustainable technological solutions. The combination of hundreds of employees with a scientific background and many years of practical experience enables custom-fit, efficient and sustainable implementations for our more than two hundred customers from all business sectors.
Deloitte Consulting – Rosenheimer Platz 4, 81669 München
Deloitte is a global provider of audit and assurance, risk advisory, tax advisory, financial advisory and consulting and related services; legal services are provided in Germany by Deloitte Legal. The global network of member firms and affiliates in more than 150 countries (together the „Deloitte organization“) provides services to four out of five Fortune Global 500® companies.
EuroABS – 30 Churchill Pl, London E14 5EU, Great Britain
Founded in 1999, and based in London, EuroABS Limited is a fully independent company 100% owned by its management team of ex-market professionals. It provides services to clients in the ever evolving global ABS market. Our core services include cash-flow modelling, and providing regulatory reporting solutions for asset-backed securities around the globe with clients in the UK, Europe, US and Asia, and our years of experience in the financial sector enable us to provide bespoke solutions for a wide range of clients, including investment banks, asset managers and issuers. With a strong commitment to client satisfaction, integrity, and innovation, our goal remains clear: to provide unparalleled expertise and support to our clients, helping them navigate the complexities of the asset-backed securities market with confidence.
Exaloan – Moselstraße 27, 60329 Frankfurt am Main
Exaloan is a Frankfurt-based fintech specializing in the development of software and ML-based applications in the digital credit market. We provide institutional investors with a modern analytics platform and help them gain access to leading lending platforms worldwide. Through our integrated Loansweeper software, they not only gain access to a new asset class, but can simultaneously define a dynamic and standardized investment process in individual digital loans, as well as have it automated. In addition to intermediation technology, Exaloan, as an independent third party, quantifies the individual investment opportunities in terms of their probability of default and provides this information for relative consideration in investment decisions.
finAPI – Adams-Lehmann-Str. 44 – 80797 München
finAPI GmbH is an Open Banking provider in Central Europe, licensed as European-regulated account information and payment initiation service provider. Since 2008, the Munich-based company has developed and implemented top-tier software for financial data aggregation and analysis. With a focus on Open Banking, Data Intelligence, KYC, and Payments, finAPI also drives innovation in Digital Lending by offering advanced solutions for credit checks and streamlined loan application processes. Over 350 companies across various industries – banks, financial service providers, fintechs, insurance companies and software providers – already rely on finAPI’s solutions.
Graf von Westphalen – Ulmenstraße 23 – 25, 60325 Frankfurt am Main
GvW Graf von Westphalen is a partnership of attorneys at law and tax advisors with more than 230 legal professionals. With our offices in Berlin, Dusseldorf, Frankfurt am Main, Hamburg, Munich and Stuttgart, we are one of Germany’s largest independent law firms. We also provide advice to clients around the world – from our offices in Shanghai, Ho Chi Minh City, Istanbul and Brussels and through our membership in several highly respected global networks. As a full-service law firm, GvW covers all areas of business law. GvW is particularly active in the fintech and financial sector and has combined the firm’s expertise in the focus area of banking & financial services and advises clients across all locations and areas of law.
HmcS – Brüsseler Straße 7, 30539 Hannover
HmcS is a specialist when it comes to servicing loans, processing reduction portfolios and handling problem loans. Focused on the requirements of the financial industry, it offers high-performance services, integrated into innovative digital solutions, for efficient credit management that is fit for the future.
HYPOFACT – Am Borsigturm 27, 13507 Berlin
HYPOFACT AG is a Berlin-based, owner-managed company specializing in financing. Founded in 2007, we operate as an intermediary for private and commercial financing in Germany. Customers receive qualified advice and the best financing solutions and conditions on the market via regional brand partners and the head office in Berlin. As a provider-independent broker, we offer access to all relevant credit institutions and platform financiers in Germany. As a hybrid system, we work in a partially digitalized way and, within the value chain between those seeking money and financiers, practically take on the role of an intermediary platform. The range of services includes solutions for all needs and topics related to the financing of small and large wishes and projects. With our new business segment FACTS42, we are taking a new path as a platform.
IDnow GmbH – Auenstraße 100, 80469 München
IDnow is an identity proofing platform provider in Europe with a vision to make the connected world a safer place. The IDnow platform provides a broad portfolio of identity verification solutions, ranging from automated to human-assisted from purely online to point-of-sale, each of them optimized for user conversion rates and security.
In 2021, IDnow acquired the French market leader for identity technology, ARIADNEXT, and the German identity Trust Management AG, enabling IDnow to offer its customers one of the broadest identification solutions through a single, integrated platform.
The company has offices in Germany, United Kingdom, and France and is backed by renowned institutional investors, including Corsair Capital and Seventure Partners. Its portfolio of over 900 international clients spans a wide range of industries, and includes leading international players, such as Uni Credit, Telefonica, Sixt, Crédit Agricole, BNP, and Munich Re, as well as digital champions like N26, Solarisbank, Younited Credit, Boursorama, Klarna and Tier mobility.
LEMONWAY – 8, Rrue du Sentier, 75002 Paris, France
LEMONWAY is a pan-European payment institution dedicated to marketplaces (B2B, B2C, C2C) and alternative finance platforms looking for payment processing, wallet management and third-party payments with robust anti-money laundering (AML) and customer verification (KYC) capabilities. Their comprehensive service offerings make them a pivotal player in the European digital payment landscape.
Established in 2007, LEMONWAY is authorized and regulated by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) and benefits from the „EU financial passport“ across 29 countries. Their headquarters are located in Paris, with an additional office in Hamburg, Germany. 400 platforms trust LEMONWAY of which 200 alternative finance platforms. To date, Lemonway has opened 1,3 million wallets for platform operators and have raised €50 million from three prominent investment funds, such as Breega, Speedinvest and Toscafund.
LOANCOS – Eschersheimer Landstraße 50-54, 60322 Frankfurt am Main
The LOANCOS Group has been the largest independent digital lending platform for real estate loans in Germany for years. It enables digitized and scalable management of loan portfolios – especially for the residential lending business. LOANCOS combines technological solution expertise with specialist expert knowledge. With its modular credit platform, it is an enabler for new construction financing business and efficiently integrated into the value chain with intermediary platforms. This enables banks, insurance companies, and financial investors to flexibly establish or expand their construction financing business. The platform offers full support for all credit processes: from the granting of loans, through disbursement, to full servicing.
Raisin Bank – Niedenau 61-63, 60325 Frankfurt am Main
As a service bank, Raisin Bank offers innovative and customized services throughout Europe for the growing fintech community, institutional investors
and other financial companies. Since its foundation in 1973, the Frankfurt-based bank has focused on serving business customers. Today, Raisin Bank’s future-proof service portfolio includes efficient banking-as-a-service solutions and expert advice in the areas of loan fronting, factoring, deposits, customer and account management and payment transactions. The bank’s payment division also covers cash solutions for ATM operators and other cash logistics in Germany and Europe. As a fronting and service bank with a full banking license, Raisin Bank supports the implementation of licensed business models for fintechs such as Raisin (WeltSparen), Creditshelf, Exporo, Moss and Scalapay, family offices and funds. Raisin Bank AG has been operating under this name since April 2019 and is a wholly owned subsidiary of Raisin GmbH.
SWK Bank – Am Ockenheimer Graben 52, 55411 Bingen am Rhein
Süd-West-Kreditbank, or SWK Bank for short, is a highly digitized direct bank. It focuses on installment loans, car and eco-loans, policy loans, rent deposit guarantees and fixed-term deposits. The lean sales structure creates cost advantages that are passed on in the form of attractive conditions. Despite the high degree of digitization, direct customer communication and personal advice are among the particular strengths of SWK Bank.
SWK Bank is a pioneer in granting online installment loans. The high-speed processing of customer requests plays a central role. SWK Bank began offering online identification as early as April 2014. An end-to-end digital process, has been offered since January 2017 on www.couchkredit.de. SWK Bank is also successfully involved in banking-as-a-service and, as a white label bank, supports a large number of banking partners and fintech companies in various processes in the lending or deposit business.
Taktile – Chausseestraße 49, 10115 Berlin
Taktile is a software platform that allows lending businesses to build, run and evaluate automated risk decision flows quicker and more data-driven than ever before. In a world that is highly dynamic and competitive, the platform helps companies bring products to market quicker, adapt to change faster and constantly improve their margins. We help lenders determine if someone should eligible for a loan and help to decide what the price should be.
Taktile is based in Berlin and New York City. It was founded by machine learning and data science veterans with extensive experience building and running production ML in financial services. The team consists of engineers, entrepreneurs, and researchers with a diverse set of backgrounds. Some attended top universities such as Harvard, Oxford, and ETH Zurich and some have no degree at all. The team has accumulated extensive work experience at leading tech companies, startups, and the enterprise software sphere.