What CB Bank does

CB Bank GmbH is a BaFin-supervised German specialized credit institution (Spezialbank) founded in 1972 and headquartered in Straubing, Bavaria. It operates three core business lines: silent factoring for small and medium-sized enterprises (KMU) with 100% invoice payout and full debtor risk assumption; refinancing for leasing companies via forfaiting and partial-amortization facilities focused on contracts of EUR 5,000–200,000; and specialized financing, principally wage tax pre-financing (Lohnsteuervorfinanzierung) for individuals. The bank is wholly owned by VR-Bank Ostbayern-Mitte eG and embedded in the Genossenschaftliche FinanzGruppe, with BVR Institutssicherung deposit protection and voluntary cooperative insurance backing.

Revenue is generated on a transaction-fee basis: a single all-inclusive factoring discount (Factoringabschlag) covering dunning, credit checks, and risk assumption; margins on purchased leasing installments; and commissions on wage tax advance products. Pricing is quote-based and not publicly disclosed. The technology layer consists of an Online-Factoring Portal for invoice submission and account management, a CB Bank Cloud (OwnCloud) document platform, and standard web tooling (Matomo analytics, YouTube embeds); no public APIs, SDKs, or AI/ML capabilities are documented.

Distribution combines a regional direct sales force (Bayern/Ost, Deutschland West, NRW, Hamburg) with a partner program spanning corporate consultants, industry associations, independent financial brokers, and online platforms. Industry memberships include Deutscher Factoring-Verband (since 2018) and Bundesverband Deutscher Leasing-Unternehmen (since 2020). Headcount is reported at 101–250, and the company has received the TOP 100 Innovator award (2020, 2023) and five consecutive kununu Top Company Siegel (2022–2026).

Name

CB Bank

Legal name

CB Bank GmbH

Website

https://cb-bank.de

Company type

Private

Founded year

1972

Operating status

Operating

Headcount range

101–250 employees

Short description

CB Bank GmbH is a BaFin-supervised German specialized bank offering silent factoring for SMEs, refinancing for leasing companies, and wage tax pre-financing, distributing through direct sales and partner networks as a subsidiary of VR-Bank Ostbayern-Mitte eG.

Ownership category

akta.pro rank

Product category

Specialty Banking

NAICS

Nondepository Credit Intermediation (5222), Other Nondepository Credit Intermediation (52229), Sales Financing (522220)

SIC

Short-Term Business Credit Institutions (6153), National Commercial Banks (6021), Personal Credit Institutions (6141)

akta.pro primary industry

B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

akta.pro secondary industries

Direct Lending — Asset-Based Lending (ABL) (FSAHAJAE), Asset-Based Lending (ABL) (FSANADAD)

Keywords

• Factoring services
• Leasing refinancing
• Wage tax pre-financing
• SME financing
• Specialty banking

Headquarters

HQ city

Straubing

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, Others

Revenue model

1. Factoring Fees: Revenue from factoring services including a single factoring discount (Factoringabschlag) that covers all fees including dunning, credit checks, and risk assumption. No additional interest charges or limit fees.
2. Leasing Refinancing: Refinancing of leasing companies through forfaiting (full amortization contracts) and loan facilities for residual values (partial amortization contracts). CB Bank purchases leasing installments regresslessly.
3. Wage Tax Pre-financing (Lohnsteuervorfinanzierung): Short-term credit facility against anticipated tax refunds. Partners receive commissions for referring customers requiring tax refund advances.
4. Consumer Credit Business (Konsumentenkreditgeschäft): Consumer lending operations as part of diversified special financing activities.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

CB Bank GmbH is a specialized German credit institution (Spezialbank) providing factoring services for small and medium-sized enterprises with 100% upfront invoice payout and full bad-debt protection, refinancing solutions for leasing companies through forfaiting and partial-amortization loan facilities, and wage tax pre-financing (Lohnsteuervorfinanzierung) advancing up to 80% of anticipated tax refunds. The bank supplements consumer credit operations as part of its diversified special financing portfolio.

Product overview

CB Bank is a specialized German bank (Spezialbank) focused on three core business areas: (1) Factoring für den Mittelstand - silent factoring services for SMEs with 100% payout and full risk coverage, (2) Finanzierung für Leasinggesellschaften - refinancing solutions for leasing companies through forfaiting and partial-amortization financing, and (3) Spezialfinanzierungen - specialized wage tax pre-financing for individuals expecting tax refunds. The bank operates through digital platforms including an Online-Factoring Portal and CB Bank Cloud for customer self-service.

Differentiator

Problem solved

Functional benefit

Products and services

• Factoring für den Mittelstand (SME Factoring) Silent (stilles) factoring service for small and medium-sized German enterprises that provides 100% payout of invoice amounts, immediate liquidity (typically within one day), 100% creditor risk assumption (full bad-debt protection), and full-service debtor management including professional dunning. Pricing is bundled into a single all-inclusive Factoringabschlag with no separate dunning, credit-check, or risk-assumption fees. Target clients have annual factoring turnover between EUR 100,000 and EUR 10 million.
• Finanzierung für Leasinggesellschaften (Leasing Company Refinancing) Refinancing services for leasing companies (Leasinggesellschaften), including regressless forfaiting of full-amortization leasing contracts and loan facilities against residual values for partial-amortization contracts. Focused on small-ticket lease agreements between EUR 5,000 and EUR 200,000. Frees up capital tied in leasing portfolios and provides liquidity to fund new business origination.
• Spezialfinanzierungen — Lohnsteuervorfinanzierung (Wage Tax Pre-financing) Short-term credit facility that advances up to 80% of an individual's anticipated wage tax refund from the Finanzamt, providing immediate cash rather than waiting months for the tax office to process the refund. Distributed primarily through partner referrals from financial advisors and tax consultants across 13 German cities.
• Konsumentenkreditgeschäft (Consumer Credit Business) Consumer lending operations conducted as part of CB Bank's diversified special financing activities, complementing the factoring, leasing refinancing, and wage tax pre-financing product lines.

Quantifiable outcome

• 17% factoring revenue growth in 2025 vs 6.2% industry average
• +4 more outcomes

Named customers2 records

Segments5 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

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Bundesverband Deutscher Leasing-Unternehmen e.V. (BDL)coreOthers · 13 January 2020German leasing industry association representing 150 member companies covering over 85% of leasing market volume. CB Bank became an associated member in January 2020.
• Deutscher Factoring-Verband e.V.coreOthers · 15 January 2018German factoring industry association representing approximately 98% of organized factoring market. CB Bank has been a member since January 2018. Bernd Hackl was elected to the PR/Strategy working group.
• Speditions- und Logistikverband (SLV) Hessen/Rheinland-PfalzminorGTM or Marketing Partner · 1 October 2017Cooperation partner since October 2017. CB Bank provides factoring services for logistics/transportation industry members through this partnership.
• Genossenschaftsverband Bayern e.V. (GVB)coreOthersBavarian cooperative association providing auditing, advisory, and representation services. CB Bank is a member of this association.
• Bikeleasing-Service GmbH & Co. KGminorStrategic or Co-development PartnerBike leasing partner for employee bike leasing program (Fahrradleasing through Entgeltumwandlung).
• Hofmann Leasing GmbHminorStrategic or Co-development PartnerBike leasing partner for employee bike leasing program.

Scale indicators6 records

Recent moves8 records

Direct peers

• abcfinance GmbH: Cologne-based German factoring and leasing financier focused on SME and mid-market clients. Directly competes with CB Bank in domestic factoring and lease refinancing with a similar mid-market Mittelstand customer base.
• DFK Deutsche Factoring GmbH: Specialized German factoring provider for small and medium-sized enterprises offering full-service receivables management. Comparable product scope (factoring) and customer segment (German SMEs) to CB Bank.
• Merkur Bank: Munich-based German bank whose core business is factoring and lending to Mittelstand SMEs. Operates in the same niche as CB Bank with a comparable focus on factoring volume from German small and medium enterprises.
• BFS finance GmbH: German factoring specialist serving SMEs with full-service receivables purchasing. Competes directly with CB Bank in the same German Mittelstand factoring segment with comparable product features.

Broad incumbents

• Coface Deutschland: German arm of global credit insurer Coface, offering factoring and trade credit management to mid-market and larger clients. Broader portfolio and larger scale than CB Bank but overlaps in the SME factoring space.
• Allianz Trade (Euler Hermes): Global trade credit insurer with German factoring operations. Significantly larger incumbent serving similar receivables management use cases for German businesses but at much greater scale and broader customer base.

Emerging players

• Billie: Berlin-based B2B Buy Now Pay Later / invoice financing fintech serving SMEs. Targets the same German SME cash-flow management use case as CB Bank's factoring via a fully digital, instant-decision model.
• CRX Markets: Munich-based digital factoring platform enabling businesses to sell receivables online. Competes with CB Bank in the SME factoring segment via a technology-first approach with API-based integration.
• Riverty (formerly Arvato Financial Solutions): Bertelsmann-owned fintech offering Buy Now Pay Later and invoice financing for businesses in Germany. Adjacent competitor to CB Bank's factoring products with a more digital-native product set.

Regional players

• VR-Bank Ostbayern-Mitte eG: Parent company and sole shareholder of CB Bank, a regional cooperative bank serving eastern Bavaria. Provides institutional funding and distribution context for CB Bank's factoring and leasing business.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xxing.com/pages/cbbankgmbhstraubing
• LinkedInlinkedin.com/company/cb-bank-gmbh-straubing
• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 CB Bank