FinCompare - Smarter Business Finance

What FinCompare - Smarter Business Finance does

FinCompare GmbH, founded in 2016 and headquartered in Berlin, operates a digital SaaS-enabled marketplace that connects German small and medium-sized enterprises (SMEs) with a network of more than 100 financial institutions for the comparison, brokerage, and completion of business financing. The platform supports an 8-product financing catalog spanning traditional bank credit (Firmenkredit, Immobilienfinanzierung), leasing and hire-purchase (Firmenleasing, Mietkauf), and alternative working-capital instruments (Lagerfinanzierung, Einkaufsfinanzierung, Umsatzbasierte Finanzierung, Factoring, Betriebsmittelkredit), organized by both product type and industry vertical (agriculture, automotive, construction, e-commerce, services, manufacturing, food, logistics). The technical foundation is a cloud-based portal hosted on AWS private-cloud infrastructure with SSL/TLS encryption, third-party credit-data integration (Creditreform), qualified electronic signatures, and TÜV-certified ISMS and online-portal compliance, audited annually by TÜV SÜD and TÜV Saarland.

The company operates a freemium sales-led hybrid go-to-market: SMEs access the application portal free of charge, can complete a financing request in roughly two minutes, and receive up to five tailored offers within 48 hours, supported by in-house phone advisors and a customer portal for status tracking. FinCompare monetizes primarily through individually negotiated success-based commissions paid by the originating financier upon contract conclusion, with occasional customer-side success fees by prior agreement. The firm holds three German brokerage permits (§34c GewO loan broker, §34d GewO insurance broker, §34i GewO real estate loan broker) issued by Bezirksamt Mitte von Berlin and IHK Berlin between mid-2017 and early 2018.

The business has cumulatively processed approximately €4.5 billion in financing volume across more than 15,000 business customers, with named partners including Deutsche Bank, FYRST, VR Smart Finanz, Banxware, Qred Bank, MMV Leasing, Renta Leasing, apoBank, and a long tail of Volksbanken/Raiffeisenbanken cooperatives. Shareholders include DZ Bank and Atruvia from the genossenschaftliche FinanzGruppe alongside management. In January 2025 FinCompare acquired COMPEON (undisclosed consideration) and subsequently rebranded to Fynbiz to consolidate both SME financing-brokerage brands under a unified identity, led by co-Managing Directors André Lichner and Dirk Günther.

Name

FinCompare - Smarter Business Finance

Legal name

FinCompare GmbH

Website

https://fincompare.de/

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

51–100 employees

Short description

FinCompare is a Berlin-based digital marketplace that connects German SMEs with 100+ financial institutions to compare, broker, and complete business financing across credit, leasing, and alternative products; following its 2025 acquisition of Compeon it now operates under the Fynbiz brand.

Ownership category

akta.pro rank

Product category

SME Financing Brokerage / Commercial Lending Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)

akta.pro secondary industries

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD), Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)

Keywords

• SME financing platform
• Business loan brokerage
• Commercial lending marketplace
• Financing comparison platform
• Alternative lending

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Digital Commerce or Content

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Commission from Financiers: For successful referrals resulting in contract conclusion between customer and financier, FinCompare receives a commission from the respective financier. Commission amounts are individually negotiated between FinCompare and each financier.
2. Success Fee (Occasional): In specific cases, FinCompare may charge the customer a success-based fee upon successful financing referral, subject to prior individual agreement.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

FinCompare operates a SaaS-enabled digital financing marketplace that helps German SMEs compare and broker financing solutions from a network of 100+ financial institutions. SMEs submit a financing request online in about two minutes, receive up to five tailored offers within 48 hours, and complete transactions with support from dedicated personal advisors. Product coverage spans business credit, leasing, hire purchase, inventory financing, purchase financing, revenue-based financing, real estate financing, factoring, and working capital credit.

Product overview

FinCompare operates as a digital comparison and brokerage platform for SME financing, connecting businesses seeking capital with a network of over 100 financial providers. The platform aggregates both traditional financing products (Firmenkredit, Immobilienfinanzierung) and alternative financing instruments (Firmenleasing, Mietkauf, Lagerfinanzierung, Einkaufsfinanzierung, Factoring, Umsatzbasierte Finanzierung) into a single comparison and advisory service. The core platform enables creditworthiness assessment, multi-offer comparison, and transaction facilitation, complemented by educational content through the Finanzmagazin and Lexikon. In 2025, FinCompare rebranded to 'Fynbiz' as part of a brand consolidation with Compeon.

Differentiator

Problem solved

Functional benefit

Products and services

• Firmenkredit (Business Credit) Traditional business credit loans brokered to German SMEs via the FinCompare platform, used to finance investments, operating costs, or refinance existing obligations. Available from a network of bank and FinTech partners with financing volumes from €10,000 upward.
• Firmenleasing (Business Leasing) Leasing solutions for business assets such as equipment, vehicles, machinery, and IT systems, brokered to SMEs from leasing partners (e.g., Renta Leasing, MMV Leasing, abcfinance) with flexible terms.
• Mietkauf (Hire Purchase) Installment purchase financing that allows SMEs to acquire assets with gradual ownership transfer, brokered via FinCompare's leasing and hire-purchase partners (e.g., abcfinance).
• Lagerfinanzierung (Inventory Financing) Financing solutions for inventory and stock management, designed to release working capital tied up in goods for German SMEs.
• Einkaufsfinanzierung (Purchase Financing) Financing that enables SMEs to pay suppliers faster in order to capture supplier discounts while extending payment terms via a third-party financier, brokered through FinCompare.
• Umsatzbasierte Finanzierung (Revenue-Based Financing)

Quantifiable outcome

• 4.5 billion EUR in processed financing volume
• +2 more outcomes

Named customers12 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

13 partnerships are on record, tiered core.

• Berliner Volksbank eGcoreChannel Partner/ Reseller/ DistributorCooperative bank partner serving Berlin and Brandenburg region. Offers business credits from 50,000 EUR with 12-120 month terms, startup financing from 5,000 EUR, and existential founding support. Features digital processing and Sollzinsen from 3.49%.
• Qred Bank ABcoreChannel Partner/ Reseller/ DistributorSwedish digital bank founded in Stockholm 2015, operating in Germany since 2023. Specializes in SME business credits of 5,000-200,000 EUR with 1-36 month terms, offering 24-hour decision and disbursement without hidden fees.
• abcfinance advise GmbHcoreChannel Partner/ Reseller/ DistributorAdvisory partner present at 13 German locations with 45+ years experience. Offers leasing and hire-purchase solutions for SMEs with purchase prices from 5,000 to 500,000 EUR, covering construction machinery, energy generation, audio technology, and rail/water transport.
• MMV Leasing GmbHcoreChannel Partner/ Reseller/ DistributorLeasing specialist founded in 1963, integrated into LBBW group since 1999. Offers 70+ years of experience in Mittelstand financing for vehicles, machinery, medical technology, and IT systems with digital processes and nationwide presence.
• apoBank (Deutsche Apotheker- und Ärztebank)coreChannel Partner/ Reseller/ DistributorSpecialized cooperative bank for healthcare professionals founded 1902, based in Düsseldorf. Offers investment financing, working capital, commercial real estate financing, and startup financing exclusively for doctors, pharmacists, psychotherapists, and healthcare entrepreneurs.
• Volksbank im Münsterland eGcoreChannel Partner/ Reseller/ DistributorCooperative bank with 140+ year history based in Münster. Deeply rooted in the Münsterland region with values of partnership, regionality, sustainability, and responsibility. Offers factoring services and financing from 50,000 EUR with 36+ month terms for regional SMEs.
• Banxware GmbHcoreChannel Partner/ Reseller/ DistributorBerlin-based FinTech founded 2020 specializing in instant financing for businesses. Offers credits of 1,000-250,000 EUR with 3-12 month terms, e-commerce specific solutions with Shopify/Amazon integration, and real-time disbursement after digital credit review.
• FYRST (Deutsche Bank Group)coreChannel Partner/ Reseller/ DistributorDigital brand of Deutsche Bank Group focused exclusively on business customers, SMEs, self-employed, and freelancers. Offers loans of 10,000-250,000 EUR with fast digital processing, flexible repayment options, and attractive conditions tailored for Mittelstand.
• Deutsche Bank AGcoreChannel Partner/ Reseller/ DistributorGermany's largest banking group by balance sheet total, offering investment credits from 30,000 EUR with 36-180 month terms and indicative offers within 3 business days. Supports both fully digital and in-branch application processes.
• Renta Leasing GmbHcoreChannel Partner/ Reseller/ DistributorBank-independent leasing company with 30 years of market experience. Offers comprehensive leasing options for vehicles, agricultural machinery, technical equipment, sale-and-lease-back, and vendor leasing solutions.
• VR Smart FinanzcoreChannel Partner/ Reseller/ DistributorCooperative financing partner of Volksbanken Raiffeisenbanken group. Offers flexible credit up to 100,000 EUR (6-72 months, 24-hour disbursement), object financing up to 250,000 EUR (12-120 months), and hire-purchase with flexible terms and digital processes.
• Volksbank Mittlerer SchwarzwaldcoreChannel Partner/ Reseller/ DistributorRegional cooperative bank operating 16 branches in Black Forest area. Offers investment and commercial real estate financing from 100,000 EUR with Crefo scores up to 300, terms 24-360 months. Supports regional SMEs with 150,000 EUR annual social sponsorship for community projects.
• AWS (Amazon Web Services)coreTechnology or IntegrationCloud infrastructure provider used for secure data storage via Private Cloud services. Customer data is stored in dedicated private data storage environments within AWS, ensuring security comparable to physical safes with controlled access only through FinCompare.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Lendico: German SME and consumer online lending platform operated within the Smava group; competes in the same digital SME financing comparison and brokerage space as FinCompare.
• creditshelf: Frankfurt-based digital SME lending platform offering working capital loans, factoring, and asset-backed financing to German Mittelstand; directly comparable business model serving the same customer segment.
• iwoca: UK-headquartered SME online lender with significant German operations offering working capital and business credit up to ~€250K; competes with FinCompare as both a direct financier and via embedded distribution partnerships with banks.
• Compeon: German SME financing brokerage platform that directly competed with FinCompare across business credit, leasing, and alternative financing products; now consolidated under the Fynbiz brand following FinCompare's January 2025 acquisition.

Others

• VR Smart Finanz: Cooperative financing arm of the Volksbanken Raiffeisenbanken group offering SME leasing, hire-purchase, and credit; functions as both a key FinCompare partner and an in-house alternative to broker-channel SME financing distribution.

Broad incumbents

• Funding Circle: Public UK-listed SME lending marketplace with German operations; broader incumbent in the SME lending-platform category with comparable multi-financier marketplace model targeting small business credit.
• Hypoport / EUROPACE: Listed German fintech operating the EUROPACE platform, which aggregates mortgage and consumer credit distribution across banks and brokers; a broader incumbent in financial product intermediation with overlapping SME and B2B credit distribution capabilities.

Regional players

• Auxmoney: One of Germany's largest digital credit marketplaces, historically focused on consumer lending but increasingly active in SME financing; comparable German marketplace model in financial product intermediation.

Emerging players

• Qred: Swedish digital SME lender operating in Germany since 2023, offering 5K-200K EUR business credits; both a FinCompare distribution partner and a direct competitor building its own SME origination funnel.
• Banxware: Berlin-based fintech providing instant embedded SME financing (1K-250K EUR) with same-day disbursement; both a FinCompare partner and a partial competitor as it increasingly goes direct to merchants and platforms.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks3 records

Key highlights6 records

Customer concentration

• Xx.com/fincomparede

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds3 records

Investors8 records

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

M&A1 record

Investments

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

Frequently asked questions about FinCompare - Smarter Business Finance