FINN
FINN GmbH is a Munich-based digital car subscription platform offering all-inclusive monthly Auto Abos on 120+ new vehicles from 20+ brands, targeting German consumers, B2B fleet customers, and employer-subsidized employee programs via online configurator, mobile apps, and a €1B ABS-financed fleet.
- Company typePrivate
- Founded2019
- HeadquartersMunich, Germany
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What FINN does
FINN GmbH is a Munich-based car subscription platform founded in 2019 that operates the FINN Auto Abo service, offering consumers and businesses flexible monthly subscriptions on more than 120 new vehicle models from over 20 brands (including MG, Hyundai, Stellantis, BYD, Cupra, Skoda, Opel, BMW, and Mercedes-Benz). The company bundles vehicle access, insurance, taxes, registration, maintenance, tire service, and CO2 compensation into a single fixed monthly all-inclusive price, with subscription terms as short as one month versus the 2–4 year industry standard for leasing, plus a €1,500 one-time provisioning fee and €299 delivery fee on first booking. Customers can book online in under five minutes via finn.com or the native iOS/Android apps and choose between doorstep delivery nationwide in Germany or pickup at one of three physical FINN Stations in Berlin, Cologne, and Munich.
The platform is built around an end-to-end proprietary digital subscription stack: an online configurator, a B2B FINN Business Portal for digital fleet management, a dedicated JobAuto module for employer-subsidized employee subscriptions, and a separate FINN Remarketing site for end-of-fleet vehicles. Fleet financing is delivered through an asset-backed securities (ABS) program scaled up to €1 billion alongside equity rounds totaling approximately €350M across Series B (2022), C (2024), and D (2026), with cumulative debt and leasing facilities of over €1 billion.
FINN's go-to-market combines a D2C self-serve storefront, an inside-sales motion for B2B and JobAuto employer programs, and (historically) an enterprise field-sales presence in the United States with a New York headquarters and operations in California and Florida. Revenue is generated primarily from recurring monthly subscription fees (with pricing from €149/month for the MG 3 to €1,319+/month for the BMW 7er), supplemented by one-time provisioning and delivery fees and residual value recovery via remarketing. The company reached unicorn status in June 2026 with a €140M Series D round at a valuation exceeding €1 billion, following revenue growth from €3.2M in 2022 to €444.3M in 2024 (a 1,078% CAGR), and has stated a target to grow its low-emission fleet share from 40% to over 80% by 2028.
FINN firmographics
Firmographics- Name
- FINN
- Legal name
- FINN GmbH
- Website
- https://finn.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- FINN GmbH is a Munich-based digital car subscription platform offering all-inclusive monthly Auto Abos on 120+ new vehicles from 20+ brands, targeting German consumers, B2B fleet customers, and employer-subsidized employee programs via online configurator, mobile apps, and a €1B ABS-financed fleet.
- Ownership category
- akta.pro rank
FINN industry classification
Industry- Product category
- Car Subscription Services
- NAICS
- Automotive Equipment Rental and Leasing (5321)
- SIC
- Services-Auto Rental & Leasing (No Drivers) (7510)
- akta.pro primary industry
- Online Booking & Reservation Platforms (B2B/B2C) (THALAMAA)
Keywords
Where FINN is headquartered
LocationHeadquarters
- HQ city
- Munich
- HQ country
- Germany
- HQ region
- Europe
Offices5 records
Markets served
FINN business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Supply Chain, Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Monthly Car Subscription Fees: Primary revenue stream: recurring monthly subscription payments from B2C and B2B customers. Fixed all-inclusive monthly rate covering vehicle use, insurance, registration, taxes, maintenance, tire service, and CO2 compensation. Revenue recognized ratably over the subscription term (typically 1–12 months).
- Vehicle Remarketing: After subscription term ends, vehicles are remarketed via a dedicated remarketing channel (remarketing.finn.com). Residual value recovery on the subscription fleet provides a secondary revenue stream and reduces residual value risk.
- One-time Provisioning Fee (Bereitstellungspauschale): One-time provisioning fee (€1,500) charged at vehicle handover, payable in lump sum or monthly installments; plus a €299 one-time delivery fee on first booking. Functions as an upfront, non-refundable payment.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Subscription auto Abo starting from €149/month (MG 3) to €1,319+/month (BMW 7er Limousine), all-inclusive with insurance, tax, registration, maintenance and tire service. |
| Other | Monthly | JobAuto employer-subsidized subscription tier with reduced rates, personalized configurator, and salary-integration for employees. |
| Other | Monthly | B2B Business Auto Abo with digital fleet portal and exclusive business pricing, no minimum volume required. |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels7 records
FINN product offering
Product offeringCore offering
FINN operates a fully digital car subscription platform (FINN Auto Abo) offering more than 120 new vehicle models from over 20 brands on a flexible, all-inclusive monthly subscription that bundles insurance, registration, taxes, maintenance, tire service, and CO2 compensation. Customers configure and book a vehicle online in under five minutes and receive it via nationwide doorstep delivery or pickup at a physical FINN Station in Berlin, Cologne, or Munich, with subscription terms ranging from one month to twelve months or longer. A dedicated B2B layer — the FINN Business Portal and JobAuto employer program — serves fleet customers, SMEs, startups, and enterprises with digital fleet administration and personalized account management.
Product overview
FINN operates a single unified digital car subscription platform marketed as the FINN Auto Abo, layered with a set of vertical-specific modules and customer-facing add-ons rather than separate standalone products. The core product, FINN Auto Abo, bundles vehicle access, insurance, maintenance, registration, taxes, and CO2 compensation into a fixed monthly all-inclusive price across 120+ models from 20+ brands, ordered online in under five minutes with either doorstep delivery or FINN Station pickup. The B2B layer is delivered through the FINN Business Portal for fleet managers and the JobAuto sub-product for employer-sponsored employee car subscriptions, while consumer-side growth and retention modules — FINN for Friends (referral) and FINN Loyalty — extend the offering around the same subscription core. Back-end operations are supported by the separate FINN Remarketing site for end-of-fleet vehicles, and the experience is consistently available across web and the FINN iOS/Android mobile apps.
Differentiator
Problem solved
Functional benefit
Brands
- JobAuto: Employer-sponsored auto subscription product offered by FINN as a corporate benefit for employees.
Products and services
- FINN Auto Abo A monthly car subscription service offering more than 120 new vehicle models from 20+ brands (EV, hybrid, petrol, diesel) with a fixed all-inclusive monthly price covering insurance, registration, taxes, maintenance, tire service, and CO2 compensation. Customers book online in under five minutes and receive the vehicle via doorstep delivery or pickup at a FINN Station, with flexible short-term terms. Targets both private consumers (Privatkunden) and business/fleet customers.
- FINN Business Portal A digital fleet management portal that enables business customers to order and manage company car subscriptions online, providing a fixed all-inclusive monthly price with insurance, maintenance, taxes, and registration bundled in. Available to fleets with no minimum volume or long-term commitment, with dedicated account management and exclusive B2B pricing (exkl. MwSt.).
- JobAuto An employer-sponsored employee benefit car subscription product that lets companies offer FINN Auto Abos to their workforce with employer subsidy, salary-integrated pricing, and a dedicated JobAuto Rechner (calculator) to estimate the financial advantage of the desired vehicle. Includes tools for employers, employees, and small businesses.
- FINN Remarketing A separate remarketing platform (remarketing.finn.com) where vehicles exiting the FINN subscription fleet are resold to the secondary market, enabling residual value recovery on the subscription fleet and reducing end-of-life value risk.
- FINN for Friends (Referral Program) A referral program that rewards existing FINN customers for introducing new subscribers to the platform, supporting acquisition through word-of-mouth and including a dedicated student discount sub-program.
- FINN Loyalty A customer loyalty program for FINN subscribers offering benefits tied to continued subscription activity, supporting retention and repeat subscriptions.
Quantifiable outcome
- Revenue grew from €3.2M (2022) to €444.3M (2024) — 138x growth, 1,078% CAGR
- +4 more outcomes
Companies that use FINN
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles3 records
FINN technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
FINN partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered flagship oem supplier and major oem supplier.
- MG Motor Germanyflagship oem supplierPlaced a 5,000-vehicle order with MG Motor Germany in July 2025, expanding a partnership that began in 2021 to include a broader range of models including electric vehicles such as the MG4 Electric and the new MGS5 EV e-SUV. Enables FINN to offer MG vehicles across nearly its entire model lineup.
- Hyundaimajor oem supplierSource of large vehicle orders for the FINN subscription fleet in 2025 alongside MG, Stellantis, and BYD. Hyundai IONIQ 5 and Tucson are featured vehicles in the FINN subscription lineup.
- Stellantismajor oem supplierSource of large vehicle orders for the FINN subscription fleet in 2025 alongside MG, Hyundai, and BYD. Stellantis brands (e.g., Opel, Peugeot, Fiat, Citroen, Alfa Romeo) feature prominently in the FINN subscription lineup.
- BYDmajor oem supplierSource of large vehicle orders for the FINN subscription fleet in 2025 alongside MG, Hyundai, and Stellantis. BYD vehicles are part of FINN's growing EV portfolio.
Scale indicators14 records
Recent moves7 records
Expansion highlights6 records
FINN competitors and assessment
Company assessmentBroad incumbents
- Volkswagen Financial Services AutoAbo: Volkswagen Financial Services' multi-brand subscription offering (AutoAbo) bundling VW, Audi, Skoda, Seat, and Cupra vehicles into flexible monthly subscriptions — directly competes with FINN on price and selection across mainstream German brands.
- Sixt UNO / Sixt Flat: Sixt's subscription products (UNO, Flat) offer flexible long-term vehicle access via a major rental incumbent; competes with FINN in the all-inclusive flexible-terms segment and uses Sixt's extensive German fleet infrastructure.
Direct peers
- Cluno: Cluno was Germany's earliest scaled car subscription platform, offering flexible all-inclusive monthly subscriptions with multiple brands and a digital booking flow — the closest historical direct competitor to FINN before being acquired by Mercedes-Benz Mobility in 2022.
- Care by Volvo: Volvo's flagship car subscription service offering fixed-monthly all-inclusive vehicle access via an app-based booking flow, directly competing with FINN's value proposition in the premium SUV and EV segments in Europe.
- Mercedes-Benz Collection: Mercedes-Benz's official car subscription product launched after acquiring Cluno, offering flexible monthly access to Mercedes vehicles — a directly comparable subscription offering overlapping with FINN's premium tier (BMW/Mercedes models).
- Audi Subscribe: Audi's official subscription service providing flexible monthly access to new Audi vehicles, overlapping with FINN's premium segment and competing for the same digital-native, flexibility-seeking customer in Germany.
- Porsche Drive: Porsche's subscription program offering flexible monthly access to Porsche vehicles in select markets, including Germany — competes with FINN at the ultra-premium end (BMW 7er / Mercedes E-Klasse price band).
Emerging players
- Spotawheel: Spotawheel is a European car subscription and remarketing platform recognized alongside FINN in Astute Analytica's European car subscription market report; comparable business model with subscription and used-car remarketing verticals.
- FAAREN: FAAREN is a German B2B-focused vehicle subscription platform powering OEM and dealer subscription programs — competes with FINN's Business Portal in the fleet-as-a-service layer and is a relevant emerging peer in the same German market.
- Kyte: Kyte operates a digital-first car subscription and delivery platform in the US — directly comparable to FINN's 2022 US expansion strategy (New York HQ, California, Florida) and a relevant read-across for FINN's US trajectory.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
FINN social profiles
Digital presenceFINN financial estimates
Financial estimateRevenue estimate
Valuation estimate
FINN leadership team
Management profileNumber of profiles
Profiles6 records
FINN funding detail
Funding detailFunding overview
Funding rounds11 records
Investors21 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FINN M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FINN
What does FINN do?
FINN operates a fully digital car subscription platform (FINN Auto Abo) offering more than 120 new vehicle models from over 20 brands on a flexible, all-inclusive monthly subscription that bundles insurance, registration, taxes, maintenance, tire service, and CO2 compensation. Customers configure and book a vehicle online in under five minutes and receive it via nationwide doorstep delivery or pickup at a physical FINN Station in Berlin, Cologne, or Munich, with subscription terms ranging from one month to twelve months or longer. A dedicated B2B layer — the FINN Business Portal and JobAuto employer program — serves fleet customers, SMEs, startups, and enterprises with digital fleet administration and personalized account management.
Is FINN a public or private company?
FINN is a private company. It is classified as venture growth investor backed and is currently operating.
When was FINN founded?
FINN was founded in 2019. It employs 251 to 500 people.
Where is FINN based?
FINN is headquartered in Munich, Germany, in the Europe region.
How does FINN make money?
Three revenue lines are on record. Monthly Car Subscription Fees are the primary driver. The others are vehicle Remarketing and one-time Provisioning Fee (Bereitstellungspauschale).
Who are FINN's main competitors?
Broad incumbents on record are Volkswagen Financial Services AutoAbo and Sixt UNO / Sixt Flat. Direct peers are Cluno, Care by Volvo, Mercedes-Benz Collection, Audi Subscribe and Porsche Drive. Emerging players are Spotawheel, FAAREN and Kyte.
Does FINN have an API?
No public API is recorded for FINN.
What industry is FINN in?
FINN's product category is Car Subscription Services. Its primary akta.pro industry code is THALAMAA, Online Booking & Reservation Platforms (B2B/B2C). Its NAICS code is 5321 and its SIC code is 7510.