COMPEON
- Company typePrivate
- Founded2012
- HeadquartersEmsdetten, Germany
- Headcount51–100
- GTM typeB2B
- OfferingDigital Commerce or Content
COMPEON firmographics
Firmographics- Name
- COMPEON
- Legal name
- COMPEON GmbH
- Website
- https://compeon.de
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
COMPEON industry classification
Industry- Product category
- SME Financing Marketplace
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)
Keywords
Where COMPEON is headquartered
LocationHeadquarters
- HQ city
- Emsdetten
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
COMPEON business model
Business model- GTM type
- B2B
- Offering type
- Digital Commerce or Content
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Commission from Financial Partners: COMPEON charges commission from financial service providers (banks, lenders, Leasing companies) upon successful mediation of a financing contract. The commission amount is individually negotiated between COMPEON and each financial partner.
- Success Fee (偶尔): In specific cases, COMPEON may charge a success fee from customers upon successful financing mediation, if individually agreed upon beforehand.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free platform access for SMEs to compare financing offers |
| Other | Monthly | Digitaler Schnellkredit: from 5.19% p.a. |
| Transaction based/ take rate | Multi-year contract | Success-based commission for financial partners |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
COMPEON product offering
Product offeringCore offering
COMPEON operates an independent, vendor-neutral digital financing marketplace for German SMEs that connects companies with approximately 300 financial partners (banks, Sparkassen, KfW, NRW.BANK, leasing companies, and specialty financiers) for the comparison and procurement of business financing. Its flagship fully digital product, the Digitaler Schnellkredit (DSK), offers same-day business credit decisions up to EUR 250,000 without collateral, while the COMPEON Advisory team handles complex and high-volume financing projects.
Product overview
COMPEON operates a unified digital financing portal platform for German SMEs and entrepreneurs. The core platform connects companies with approximately 300 financing partners (banks, sparkassen, promotional banks, KfW, NRW.BANK, leasing companies, and specialty financiers) to compare and obtain business financing. The platform offers the flagship Digitaler Schnellkredit (Digital Quick Credit) product as a joint offering with partner banks, enabling fully digital business credit up to €250,000 with same-day decisions. The product portfolio spans multiple financing instruments including firmenkredit (business credit), firmenleasing (business leasing), mietkauf (hire purchase), factoring, kontokorrentkredit (overdraft facilities), einkaufsfinanzierung (purchase financing), fördermittel (subsidized funding access to 1,700+ programs), and specialized solutions for working capital optimization, project financing, order financing, real estate, vehicles, machinery, IT equipment, and business succession. The COMPEON Advisory team provides high-touch consultation for complex high-volume financing needs. The platform's differentiated value lies in digital process efficiency, broad partner network comparison, independent advisory, and the fully automated Digital Quick Credit product.
Differentiator
Problem solved
Functional benefit
Products and services
- COMPEON Financing Portal A vendor-independent digital marketplace platform connecting German SMEs with approximately 300 financing partners (banks, Sparkassen, promotional banks such as KfW and NRW.BANK, leasing companies, and specialty financiers). Companies submit financing requests through the portal, receive tailored offers from partners, and can freely select their preferred provider. The platform supports financing categories including business credit, leasing, hire purchase, factoring, overdraft, purchase financing, and subsidized funding.
- Digitaler Schnellkredit (DSK) - Digital Quick Credit
Quantifiable outcome
- 50,000 companies have trusted COMPEON for financing solutions
- +3 more outcomes
Companies that use COMPEON
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles3 records
COMPEON technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability2 records
Feature3 records
COMPEON partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights6 records
COMPEON competitors and assessment
Company assessmentDirect peers
- Lendio: US-based SMB loan marketplace aggregating ~75+ lenders. Closely comparable operating model — a multi-lender matchmaking platform for small-business financing — although Lendio operates in the US rather than Germany.
- creditshelf: Frankfurt-based digital lending platform focused on SME financing in Germany (now operating as Moonfare-adjacent business). Comparable as a German SME financing marketplace targeting Mittelstand borrowers with similar ticket sizes and credit needs.
- iwoca: London-headquartered fintech with a strong German presence that provides direct SME lending up to €500k. Comparable because it serves the same German Mittelstand borrower segment with short-term working-capital credit, although iwoca lends on its own balance sheet rather than intermediating.
- Funding Circle: UK-listed SME lending marketplace connecting small businesses with institutional and retail investors. Comparable as a direct SME lending marketplace, although Funding Circle has shifted toward balance-sheet and institutional funding models.
- Kapilendo: Berlin-based SME financing platform offering credit intermediation and crowdfunded lending to German mid-market companies. Comparable because it addresses the same Mittelstand credit-marketplace gap in Germany, though with a stronger capital-markets orientation.
Broad incumbents
- Qonto: European neobank for SMEs and freelancers, with significant German operations. Comparable as a broader SME financial-services incumbent that bundles accounts, payments, and increasingly credit, putting it in partial overlap with COMPEON's SME target customer.
Emerging players
- Solarisbank: Berlin-based Banking-as-a-Service platform with a full German banking license serving fintechs and corporates. Comparable as an adjacent fintech infrastructure player that could either partner with or disintermediate SME lenders/brokers like COMPEON.
- Stenn: UK-headquartered trade and invoice financing platform with operations in Germany. Comparable as an emerging digital SME financing player focused on working-capital solutions (factoring, trade credit) — an overlapping product vertical within COMPEON's portfolio.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
COMPEON social profiles
Digital presenceCOMPEON compliance and trust
Trust signalCompliance9 records
COMPEON financial estimates
Financial estimateRevenue estimate
Valuation estimate
COMPEON leadership team
Management profileNumber of profiles
Profiles3 records
COMPEON funding detail
Funding detailFunding overview
Funding rounds5 records
Investors11 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
COMPEON 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 COMPEON
What does COMPEON do?
COMPEON operates an independent, vendor-neutral digital financing marketplace for German SMEs that connects companies with approximately 300 financial partners (banks, Sparkassen, KfW, NRW.BANK, leasing companies, and specialty financiers) for the comparison and procurement of business financing. Its flagship fully digital product, the Digitaler Schnellkredit (DSK), offers same-day business credit decisions up to EUR 250,000 without collateral, while the COMPEON Advisory team handles complex and high-volume financing projects.
Is COMPEON a public or private company?
COMPEON is a private company. It is classified as venture growth investor backed and is currently operating.
When was COMPEON founded?
COMPEON was founded in 2012. It employs 51 to 100 people.
Where is COMPEON based?
COMPEON is headquartered in Emsdetten, Germany, in the Europe region.
How does COMPEON make money?
Two revenue lines are on record. Commission from Financial Partners are the primary driver. The others are success Fee (偶尔).
Who are COMPEON's main competitors?
Direct peers on record are Lendio, creditshelf, iwoca, Funding Circle and Kapilendo. Qonto is listed as a broad incumbent. Emerging players are Solarisbank and Stenn.
Does COMPEON have an API?
No public API is recorded for COMPEON.
What industry is COMPEON in?
COMPEON's product category is SME Financing Marketplace. Its primary akta.pro industry code is FSAGAAAF, Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P). Its NAICS code is 52222 and its SIC code is 6153.