FINN

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.

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

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

• Car subscription service
• Auto abo platform
• Vehicle fleet subscription
• Digital mobility subscription
• Corporate car subscription

Headquarters

HQ city

Munich

HQ country

Germany

HQ region

Europe

Offices5 records

Markets served

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

1. 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).
2. 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.
3. 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

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core 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

Named customers3 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered flagship oem supplier and major oem supplier.

• MG Motor Germanyflagship oem supplierOEM/ Whitelabel/ Licensing Partner · 18 July 2025Placed 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 supplierOEM/ Whitelabel/ Licensing Partner · 18 July 2025Source 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 supplierOEM/ Whitelabel/ Licensing Partner · 18 July 2025Source 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 supplierOEM/ Whitelabel/ Licensing Partner · 18 July 2025Source 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

Broad 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

• Facebookfacebook.com/finn.auto.abo
• LinkedInlinkedin.com/company/finn-auto

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds11 records

Investors21 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FINN