Kreditech
Kreditech was a fintech company that provided AI-driven digital business loans—short-term, working capital, expansion, and invoice financing—to small businesses and startups underserved by traditional banks. The company has ceased operations.
- Company typePrivate
- Founded2012
- HeadquartersHamburg, Germany
- Headcount251–500
- GTM typeB2B
- OfferingServices
What Kreditech does
Kreditech was a fintech company that operated a digital lending platform providing four business loan products—short-term loans, working capital loans, expansion loans, and invoice financing—to small businesses, startups, and growing companies with limited access to traditional banking services. The platform was built around proprietary AI, machine learning, and big data analytics, using a data-driven credit scoring system that evaluated both financial data and non-traditional inputs such as social media activity to assess borrowers underserved by conventional lenders. Loan approval decisions were generated in real time, often within minutes, versus the weeks or months typical of traditional banks.
Kreditech monetized through interest charged on its loan products, operating a direct-to-consumer distribution model via a self-serve online application portal. The company targeted SMBs with limited credit histories, as well as growing companies needing flexible, customizable repayment terms aligned to cash flow. No pricing details were publicly disclosed, and the company is no longer operational.
Kreditech firmographics
Firmographics- Name
- Kreditech
- Website
- https://kreditech.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Closed
- Headcount range
- 251–500 employees
- Short description
- Kreditech was a fintech company that provided AI-driven digital business loans—short-term, working capital, expansion, and invoice financing—to small businesses and startups underserved by traditional banks. The company has ceased operations.
- Ownership category
- akta.pro rank
Kreditech industry classification
Industry- Product category
- Digital Business Lending
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)
- akta.pro secondary industry
- SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)
Keywords
Where Kreditech is headquartered
LocationHeadquarters
- HQ city
- Hamburg
- HQ country
- Germany
- HQ region
- Europe
Markets served
Kreditech business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales
Revenue model
- Business Loan Interest: Kreditech generated revenue through interest charged on business loans, including short-term loans, working capital loans, expansion loans, and invoice financing products.
Go-to-market motion1 record
Distribution channels1 record
Kreditech product offering
Product offeringCore offering
Kreditech was a fintech company that provided digital lending solutions to businesses through an online platform offering four core loan products: Short-Term Loans, Working Capital Loans, Expansion Loans, and Invoice Financing. The company used AI, machine learning, and big data analytics to assess creditworthiness in real time, enabling automated loan approval decisions within minutes rather than weeks, and offered customizable repayment terms based on borrower cash flow.
Product overview
Kreditech was a fintech lending platform offering multiple digital business loan products. The company provided a unified digital lending platform with four core loan products: Short-Term Loans for immediate expenses, Working Capital Loans for operational needs, Expansion Loans for growth initiatives, and Invoice Financing for cash flow management. All products were accessed through a single online application platform that utilized data-driven algorithms for credit assessment and offered customizable repayment terms.
Differentiator
Problem solved
Functional benefit
Products and services
- Short-Term Loans Quick access to cash loans designed for immediate business expenses such as payroll, inventory, or marketing campaigns. Targeted at small businesses and startups with limited credit history.
- Working Capital Loans Financing solutions to cover everyday operational expenses, enabling businesses to maintain smooth operations. Targeted at small and growing businesses needing flexible working capital.
- Expansion Loans Growth-focused loans for businesses looking to scale through opening new locations, expanding product offerings, or entering new markets. Targeted at growing companies seeking expansion financing.
- Invoice Financing Cash flow solution allowing businesses to leverage outstanding invoices to secure funding quickly when clients pay slowly. Targeted at businesses experiencing cash flow issues from slow-paying clients.
Companies that use Kreditech
Customer profileSegments2 records
Ideal customer profiles2 records
Kreditech technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature3 records
Kreditech partnerships and signals
Strategic signalRecent moves3 records
Expansion highlights3 records
Kreditech competitors and assessment
Company assessmentDirect peers
- OnDeck: OnDeck is a data-driven online SMB lender offering short-term loans and lines of credit using algorithmic underwriting, making it the closest direct peer to Kreditech's AI/ML-based SMB lending model.
- Kabbage (now American Express Business Blueprint): Kabbage pioneered data-driven (cash-flow + transaction data) SMB working capital lines, closely mirroring Kreditech's alternative-data underwriting approach for underserved small businesses.
- BlueVine: BlueVine offers invoice financing and working capital lines to SMBs using digital application flows, directly overlapping Kreditech's product suite (invoice + working capital).
- Fundbox: Fundbox provides short-term working capital and invoice-based advances to SMBs through an automated online platform, closely comparable to Kreditech's invoice financing and working capital products.
- Lendio: Lendio operates a SMB loan marketplace matching small businesses with multiple lenders — a comparable SMB-focused digital lending model, though more of an aggregator than Kreditech's direct-lending model.
- CAN Capital: CAN Capital provides short-term working capital loans to SMBs via an online application, directly overlapping Kreditech's short-term loan product for immediate cash needs.
- Credibly: Credibly offers working capital and expansion financing to SMBs using data-driven underwriting, with customizable terms — a close analogue to Kreditech's flexible SMB lending stack.
- Funding Circle: Funding Circle operates a digital SMB lending platform using technology-driven credit assessment, comparable to Kreditech in targeting underserved small businesses with streamlined online approval.
- Biz2Credit: Biz2Credit is a SMB lending marketplace using data analytics to match borrowers with lenders, sharing Kreditech's technology-enabled approach to serving underbanked small businesses.
Emerging players
- Stripe Capital: Stripe Capital offers automated working capital advances to SMBs based on payment-platform data, an emerging embedded-lending model that converges on Kreditech's alternative-data, real-time-decision approach.
Market position
Strengths2 records
Weaknesses4 records
Competitive moat2 records
Key risks5 records
Key highlights5 records
Customer concentration
Kreditech social profiles
Digital presenceKreditech financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kreditech leadership team
Management profileNumber of profiles
Kreditech funding detail
Funding detailFunding overview
Funding rounds18 records
Investors21 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kreditech M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kreditech
What does Kreditech do?
Kreditech was a fintech company that provided digital lending solutions to businesses through an online platform offering four core loan products: Short-Term Loans, Working Capital Loans, Expansion Loans, and Invoice Financing. The company used AI, machine learning, and big data analytics to assess creditworthiness in real time, enabling automated loan approval decisions within minutes rather than weeks, and offered customizable repayment terms based on borrower cash flow.
Is Kreditech a public or private company?
Kreditech is a private company. It is classified as unknown and is currently closed.
When was Kreditech founded?
Kreditech was founded in 2012. It employs 251 to 500 people.
Where is Kreditech based?
Kreditech is headquartered in Hamburg, Germany, in the Europe region.
How does Kreditech make money?
One revenue line is on record: business Loan Interest.
Who are Kreditech's main competitors?
Direct peers on record are OnDeck, Kabbage (now American Express Business Blueprint), BlueVine, Fundbox, Lendio, CAN Capital, Credibly, Funding Circle and Biz2Credit. Stripe Capital is listed as an emerging player.
Does Kreditech have an API?
No public API is recorded for Kreditech.
What industry is Kreditech in?
Kreditech's product category is Digital Business Lending. Its primary akta.pro industry code is FSAGAHAC, Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking), with a secondary code of FSAGAJAM, SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning). Its NAICS code is 5222 and its SIC code is 6153.