Loancos

What Loancos does

LOANCOS GmbH, founded in 2005 and headquartered in Frankfurt am Main, operates the largest independent credit platform for mortgage loans in Germany, with EUR 4 billion in assets under management. The company delivers business process outsourcing (BPO) and specialized servicing to banks, insurance companies, development banks (Förderbanken), and institutional investors. Its product portfolio spans loan servicing and processing for residential mortgages and commercial financings, the LOANCOS-Kreditplattform (a parametrically configurable digital lending platform), non-performing loan (NPL) management, back-up servicing for ABS structures, and tailored investment structures that allow institutional investors to access German mortgage and NPL exposure. The group employs approximately 100 people across Frankfurt am Main, Eschborn, Essen, Berlin and Potsdam, and markets itself against generic loan factories on the basis of integrated real estate expertise — LOANCOS and its subsidiaries have successfully marketed over 50,000 properties since 2005 via the HYPOSTREET brand and a nationwide broker network.

The underlying technology stack is a digital loan processing platform with parametric configurability and AI/RPA-enabled credit decisions, connecting to Germany’s major intermediary mortgage platforms (e.g., Interhyp, which sources more than a third of German mortgage financing volume). The group is structured as a multi-subsidiary platform: Proceed Portfolio Services GmbH (commercial real estate servicing and NPL restructuring, acquired 2016), Hypotheken Management GmbH (mortgage servicing, 2016), BIG Berliner Inkasso Gesellschaft (unsecured consumer collections, 2018), VR-IMMOBILIEN-LEASING GmbH (commercial leasing wind-down from a EUR 750 million starting portfolio, 2019), FMP Forderungsmanagement Potsdam GmbH (NPL receivables management, acquired from DKB in January 2026 adding EUR 500M+ of receivables), MoRe Mobile Ressourcen GmbH, and the HYPOSTREET real estate brand. In August 2024 both LOANCOS GmbH and Proceed Portfolio Services obtained BaFin licensing as NPL servicers under the Secondary Loan Markets Act (Kreditzweitmarktgesetz), enabling EU-wide activity via EU passport rules.

Go-to-market is dual-track: direct enterprise sales with relationship-driven account management into banks, insurance companies and development banks, and channel integration through Germany’s major intermediary mortgage platforms. The revenue model is primarily managed services (SLA-based BPO contracts for loan processing and servicing), supplemented by structured investment solutions (including an AIF special fund construct) that enable institutional investors to deploy capital into mortgage and NPL portfolios, plus transactional real estate brokerage through HYPOSTREET. Recent strategic moves — the FMP acquisition, the May 2025 Debitos NPL marketplace partnership, and the May 2026 appointment of Karsten Reitz as Managing Director — point to an explicit pivot toward the recovering German NPL market, which industry sources size at EUR 40–60 billion. No public revenue, funding rounds, or external equity ownership are disclosed; the company appears to be founder/management-owned.

Name

Loancos

Legal name

LOANCOS GmbH

Website

https://loancos.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

LOANCOS GmbH operates the largest independent German credit platform for mortgage loans (EUR 4 billion AUM), delivering loan servicing, credit processing, NPL management, and structured investment access to banks, insurance companies, development banks, and institutional investors across the DACH region.

Ownership category

akta.pro rank

Product category

Mortgage Loan Servicing and Credit Processing

NAICS

Credit Intermediation and Related Activities (522), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Finance Services (6199), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Non-Agency (Jumbo/Non-QM) Mortgage Servicing (FSALAEAB)

akta.pro secondary industries

Loan Servicing Platforms (Billing, Statements, Customer Self-Service) (FSAGAHAH), Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)

Keywords

• Mortgage loan servicing
• Credit processing services
• Non-performing loan management
• Construction finance BPO
• Credit platform solutions

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Loan Servicing and Processing: Third-party loan servicing and processing for banks, insurance companies, and investors. Handles residential mortgages, commercial financings, and consumer loans on behalf of clients with SLA-based service levels.
2. Credit Platform Services: Platform enables scalable entry into mortgage financing asset class. Services include loan portfolio management, compliance, and auditability for investors, banks, and insurance companies.
3. Investment Solutions: Enables institutional investors to invest in mortgage loans through bespoke investment structures. Provides both direct and indirect investment opportunities in real estate financing.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

LOANCOS is the largest independent platform in Germany for third-party mortgage loan servicing and credit processing, handling residential mortgages, commercial financings, and consumer loans on behalf of banks, insurance companies, development banks, and institutional investors. The company provides a digitally configurable credit platform with AI and RPA-enabled loan processing, NPL management, backup servicing for ABS structures, and enables institutional investors to invest in mortgage loans through bespoke structures.

Product overview

LOANCOS operates as a modular platform with the LOANCOS-Kreditplattform (Credit Platform) as its core technology layer for loan issuance, supported by service modules including Kreditbearbeitung (Loan Processing), Back-Up Servicing, and Kreditexpertise Direct Services. The group enables loans as capital investment products for institutional investors. Subsidiary companies extend specific capabilities: Proceed Portfolio Services handles commercial real estate and NPL restructuring; FMP Forderungsmanagement manages consumer and secured NPL receivables; HYPOSTREET provides real estate valuation and brokerage; VR-IMMOBILIEN-LEASING manages commercial leasing portfolios; and Hypotheken Management and MoRe Mobile provide additional servicing capacity. The group is the largest independent credit platform for mortgage loans in Germany by BPO volume, with €4 billion in assets under management.

Differentiator

Problem solved

Functional benefit

Brands

• HYPOSTREET: Brand for real estate valuation, brokerage and marketing services. The companies of the LOANCOS Group have successfully marketed more than 50,000 properties since 2005 and bundle activities under the HYPOSTREET brand.

Products and services

• LOANCOS-Kreditplattform (Credit Platform) Digital lending platform that connects investors, banks, and insurance companies to the German mortgage market. Provides parametric loan decisioning, automated loan approvals, and configurable credit parameters tailored to investor specifications.
• Kreditbearbeitung (Loan Processing) Full-service loan processing including residential mortgage and complex commercial financing handling for banks and insurance companies, with real estate expertise for property valuation and sales support.
• Kredite als Kapitalanlage (Loans as Investment) Enables institutional investors to invest in mortgage financing through tailored investment structures, providing scalable entry into the asset class with regulatory compliance.
• Back-Up Servicing Emergency servicing solution with cold, warm, and hot standby options for financing vehicles. Ensures payment flows and business continuity when primary servicers fail.
• Kreditexpertise Direct Services On-site credit expertise teams that support overloaded credit departments with immediate deployment, working directly on client systems under SLA terms.
• Proceed Portfolio Services GmbH (PPS) Specialized subsidiary handling commercial real estate and corporate loan servicing, NPL restructuring, and special situations. Leads NPL activity within the group with separate BaFin licensing under the Secondary Loan Markets Act.
• FMP Forderungsmanagement Potsdam GmbH Specialized servicer for receivables management handling non-performing exposures in both unsecured consumer and secured credit segments. Manages receivables volume of more than EUR 500 million.
• HYPOSTREET Brand for real estate valuation and brokerage services, bundling activities for property marketing, valuation, and transaction management across multi-family houses, commercial properties, land, and specialized assets.

Quantifiable outcome

• 50,000+ properties successfully marketed since 2005
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eight partnerships are on record, tiered core, minor and major.

• Debitos GmbHcoreStrategic or Co-development Partner · 20 May 2025Strategic partnership to facilitate access to German NPL market for domestic and international investors. Debitos operates an established online marketplace for secondary market trading of credit receivables. LOANCOS provides BaFin-licensed servicing capabilities for NPL portfolios acquired through the platform. Partnership enables foreign investors to enter German NPL market with legally compliant solutions.
• Interhyp AGminorChannel Partner/ Reseller/ DistributorLargest residential mortgage broker in Germany (as of 2022). Intermediary platform for mortgage financing distribution.
• SWK BankminorChannel Partner/ Reseller/ DistributorDirect bank partner for loan products distribution.
• auxmoneyminorChannel Partner/ Reseller/ DistributorConsumer credit platform partner for loan distribution.
• Fischer Immobilien GmbH (Engel & Völkers Commercial)minorChannel Partner/ Reseller/ DistributorBrokered FMP office space in Potsdam Wilhelmgalerie. Licensed partner of Engel & Völkers Commercial.
• Deutsche Kreditbank AG (DKB)majorOthersDKB sold its subsidiary FMP Forderungsmanagement Potsdam GmbH to LOANCOS Group on January 30, 2026. Transaction strengthens LOANCOS capacity for NPL management. FMP manages EUR 500+ million in receivables.
• Schalast & Partner Rechtsanwälte mbBminorImplementation/ SI/ Consulting PartnerLegal advisors for FMP acquisition transaction. Team included Prof. Dr. Christoph Schalast, Patrick-Lukas Mamok, Dr. Matthias Geurts, and Slaven Kovacevic.
• Havelländische Eisenbahn AG (HVLE)minorOthersPurchased 48 freight wagons from VR-IMMOBILIEN-LEASING portfolio in October 2022.

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Regional players

• auxmoney: Düsseldorf-based P2P consumer and SME credit platform listed as a channel partner of LOANCOS. Adjacent comparable in the German digital lending and credit-distribution ecosystem.
• Collectia: European debt-recovery and credit-servicing group with Nordic roots and growing DACH presence. Comparable as an outsourced receivables-management platform serving financial institutions.
• Interhyp AG: Germany's largest independent residential mortgage broker, listed as a distribution partner of LOANCOS. Comparable on the German mortgage intermediation ecosystem but focused on origination rather than servicing.

Broad incumbents

• EOS Group: Otto Group-owned international receivables management and debt-collection group with significant German operations. Overlaps with LOANCOS on consumer NPL servicing (especially via FMP) but operates on a much larger pan-European scale across diverse credit classes.
• Intrum AB: Stockholm-listed pan-European credit management and debt servicing group active across the DACH region. Comparable as a large-scale regulated NPL servicer with EU passport and diversified buyer/investor relationships.
• CRIF Group: Italian-headquartered global credit information, credit decisioning, and NPL services group. Comparable through its loan-servicing and credit-platform capabilities for banks across Europe, including DACH.

Emerging players

• Pair Finance: Berlin-based digital debt-collection platform using AI for consumer receivables management. Comparable to LOANCOS's FMP/BIG subsidiaries on the consumer NPL side, with a more technology-led model.
• Debitos GmbH: Frankfurt-based online marketplace for secondary-market trading of credit receivables and NPL portfolios. Strategic partner of LOANCOS but a comparable ecosystem participant; together they form a combined servicing-plus-distribution stack.

Direct peers

• GFKL Group: German receivables management and NPL servicer that previously owned Proceed Portfolio Services (acquired by LOANCOS in 2016). Closest direct peer in commercial NPL servicing and credit-administration outsourcing.
• Hypoport AG: Hamburg-based fintech group operating the Europace credit marketplace and a BPO platform (Genopace, Finmas) serving banks and mortgage intermediaries in Germany. Most direct functional comparator to LOANCOS's credit platform and intermediary-integration model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/loancos-gmbh

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries7 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 Loancos