GEFA BANK

What GEFA BANK does

GEFA BANK GmbH is a German banking institution headquartered in Wuppertal that provides equipment financing to small and mid-sized companies (Mittelstand) across transport and logistics, agriculture, construction, industrial goods, bus transportation, medical technology, and IT. Founded in 1948 and operating under an ECB and BaFin banking license, the company offers three core financing structures—leasing, credit, and hire purchase (Mietkauf)—for mobile economic goods such as trucks, agricultural machinery, construction equipment, buses, CNC machines, and commercial vehicles. As a manufacturer-independent financier, GEFA BANK also channels subsidized development bank funds from KfW, the European Investment Bank, and German state Landesbanken, allowing qualifying borrowers to access below-market promotional financing, including a 2014 EIB facility covering up to EUR 12.5 million per project with a 30% climate-protection earmark.

The company's technology stack centers on digital self-service platforms: GEFA OnlineBanking for deposit customers, GEFA-connect and GEO/GOP for manufacturer and dealer partners to calculate and originate financing, GEFA VideoIdent for BaFin-compliant identity verification, and the "GEFA Digital" suite for paperless leasing and portfolio management. GTM combines a direct field sales force with industry-specific competence centers, vendor/dealer partner networks, and active participation in major trade shows (bauma, Agritechnica, IAA Transportation). Ancillary revenue streams include insurance products (GAP coverage), the GEFA All-In-One tank card (in partnership with DKV Euro Service), and an equipment auction platform.

Revenue is generated primarily through interest and lease payments on the financing book, fee income from insurance and fuel card services, and net interest margin on retail and business deposit products (Tagesgeld, Festgeld, ZinsWachstum, SparKonto). Following the February 2025 ownership transition from Societe Generale Equipment Finance to Groupe BPCE, GEFA BANK operates as part of the BPCE Equipment Solutions group, with three managing directors now leading integration, risk/compliance, and the speaker function.

Name

GEFA BANK

Legal name

GEFA BANK GmbH

Website

https://gefa-bank.de

Company type

Private

Founded year

1948

Operating status

Operating

Headcount range

501–1,000 employees

Short description

GEFA BANK is a Wuppertal-based, BaFin-regulated equipment financier for the German Mittelstand, offering leasing, credit, and hire-purchase solutions across transport, agriculture, construction, industrial, and bus sectors, and now operating as a wholly-owned subsidiary of Groupe BPCE.

Ownership category

akta.pro rank

Product category

Equipment Finance

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221), Credit Intermediation and Related Activities (522), Sales Financing (52222)

SIC

National Commercial Banks (6021), Finance Lessors (6172)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industries

Fleet & Commercial Vehicle Finance (FSAKADAE), Asset-Based Lending (ABL) (FSANADAD), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Equipment financing
• Commercial vehicle leasing
• SME lending
• Machinery financing
• Corporate banking services

Headquarters

HQ city

Wuppertal

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Equipment Leasing: Leasing of mobile equipment including trucks, agricultural machinery, construction equipment, buses, and industrial machines. The bank acts as lessor, retaining ownership while providing usage rights to customers.
2. Equipment Credit/Loan: Traditional loans for equipment purchases with fixed or variable rates, structured repayments, and potential ownership transfer at end of term.
3. Hire Purchase (Mietkauf): Combination of leasing and credit where ownership transfers upon final payment, allowing customers to eventually own the equipment.
4. Deposit Products (Tagesgeld/Festgeld): Savings products for private and business customers including overnight deposits, fixed-term deposits, and targeted savings plans.
5. Insurance Solutions: Insurance products including GAP risk coverage and other vehicle insurance solutions bundled with financing.
6. Tank Card Services: GEFA All-In-One tank card service providing national and international fuel card management for fleet operators.
7. Promotional Bank Services (Förderbanken): Pass-through of subsidized loans from development banks (EIB, KfW, state development banks) to qualifying customers with below-market rates.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

GEFA BANK finances mobile economic goods for German small and mid-sized companies (Mittelstand) through leasing, credit, and hire purchase (Mietkauf) products, covering trucks, buses, agricultural machinery, construction equipment, manufacturing machines, passenger cars, trailers, and recycling plants. The bank complements this with deposit products (TagesGeld, FestGeld, savings accounts, term savings plans) for private and business customers, pass-through of subsidized development bank loans (KfW, EIB, state Länderbanken), insurance solutions, fuel card services, and a used-equipment auction platform.

Product overview

GEFA BANK is a manufacturer-independent financial services provider offering a comprehensive suite of equipment financing and investment products for German SMEs. The core offering centers on three primary financing products: GEFA Leasing (operating lease with usage rights), GEFA Kredit (asset acquisition loan with ownership), and GEFA Mietkauf (hire purchase with ownership transfer). These are complemented by specialized financing solutions for specific asset categories including trucks, buses, agricultural machinery, construction equipment, commercial vehicles, passenger cars, trailers, and recycling plants. The company also provides investment products (TagesGeld, FestGeld, ZinsWachstum, AuszahlPlan, SparKonto) for private and business customers, digital banking services, insurance solutions, fuel card services, and auction platforms. As part of Groupe BPCE, GEFA BANK serves as an intermediary for development bank funds from KfW, EIB, and 16 German state development banks, enabling preferential financing conditions for qualified investments.

Differentiator

Problem solved

Functional benefit

Brands

• GEFA All-In-One Tankkartenservice: Comprehensive fuel card service offered by GEFA BANK for business customers, valid nationally and internationally.
• GEFA VideoIdent
• GEFA Digital
• GEFA-connect
• GEFA OnlineBanking
• GEFA Auktion

Products and services

• GEFA Leasing

Quantifiable outcome

• Top 5% of companies in EcoVadis sustainability rating (2025, 2026)
• +1 more outcomes

Named customers10 records

Segments8 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Circular ValleycoreStrategic or Co-development Partner · 1 January 2024GEFA BANK supports Circular Valley, a circular economy accelerator initiative based in NRW. The partnership brings 15 international startups to Germany and supports development of alternative raw materials, chemical recycling, and value chain orchestration. GEFA BANK received German Sustainability Award 2024 for this engagement.
• DKV Euro ServicecoreChannel Partner/ Reseller/ DistributorPartnership with DKV Euro Service provides GEFA All-In-One TankCard for fleet customers, enabling national and international fuel card services with negotiated conditions for GEFA financing customers.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Market position

Strengths4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCo4EuZ83F5G7m1TeaVZ2ILQ
• LinkedInlinkedin.com/company/gefa

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

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 GEFA BANK