CFIG

What CFIG does

CFIG SE is a privately held Czech financial and investment holding company headquartered in Pardubice, founded in 2012 by Martin Chovanec and restructured into a holding group in 2020. It operates a diversified platform of ten wholly-owned subsidiaries spanning non-bank consumer and business lending (CFIG Credit, CFIG Financial — the largest independent non-bank loan intermediary in the Czech Republic), real estate development and management (CFIG Real Estate, including the Palachovka administrative center and the Rezidence Kostelíček residential project), receivables management (CFIG Debt), bond issuance and a bond marketplace (CFIG Investment, OKdluhopisy.cz), art investment and auctions (CFIG Arts — 500+ works of Czech art), luxury vehicle and RV rentals (CFIG Cars / EPIQ Cars and EPIQ Caravan), coworking and retail (CFIG WorkSpace, Café Palachovka), and brokerage services. The group reported FY2024 EBITDA of 152.56 million CZK, total assets of 1,117 million CZK, and equity of 369 million CZK on a loan portfolio of 1.2 billion CZK and a development pipeline valued at approximately 7.6 billion CZK. CFIG Credit operates under a Czech National Bank license and uses fully automated, PSD2-integrated loan processing with robotic decision algorithms that deliver approvals in minutes through online and field-agent channels.

Name

CFIG

Legal name

CFIG SE

Website

https://cfigse.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

CFIG SE is a privately held Czech financial and investment holding company serving Czech retail consumers, SMEs, bond investors, and real estate buyers through a network of ten subsidiaries spanning non-bank lending, real estate development, debt management, bond issuance, and luxury rentals.

Ownership category

akta.pro rank

Product category

Consumer Lending Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Finance Services (6199), Personal Credit Institutions (6141)

akta.pro primary industry

Non-Qualified Mortgage (Non-QM) & Specialty Product Brokers (FSALABAG)

Keywords

• Consumer lending services
• Non-bank loan brokerage
• Real estate development
• Corporate bond issuance
• Debt management services

Headquarters

HQ city

Pardubice

HQ country

Czechia

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Consumer & Business Lending (CFIG Credit): Interest income from providing consumer loans, business loans, and corporate financing. Loans are provided online with automated approval. Portfolio includes revolving credit product Revolio up to 100,000 CZK.
2. Real Estate Operations (CFIG Real Estate): Real estate portfolio management, property development, and sales. Includes residential project Rezidence Kostelíček (78 units) and commercial property Palachovka administrative center. Portfolio valued at 583 million CZK (2023).
3. Debt Management (CFIG Debt): Receivables management and collection services. Portfolio value of 689 million CZK (2024).
4. Bond Programs: Issuance of corporate bonds through CFIG SE bond program (1 billion CZK approved by CNB). Third emission Dluhopis CFIG SE III/2023 at 8.75% annual yield. Real Estate bonds at 7.5% yield.
5. Art Auctions (CFIG Arts): Online art auctions selling Czech artworks from company collection of over 500 pieces. Collection valued at 25-47 million CZK.
6. Luxury Vehicle Rental (EPIQ Cars): Premium automobile and luxury vehicle rental under EPIQ Cars brand. Fleet includes Ferrari, Lamborghini, Porsche, Corvette, Audi. Also offers EPIQ Caravan luxury RVs.
7. Bond Marketplace (OKdluhopisy.cz): Bond trading marketplace connecting investors with private company bond issuers. CFIG Investment operates the platform.
8. Loan Brokering (CFIG Financial): Brokerage of consumer loans for partner institutions including Home Credit, Profi Credit, CFIG Credit. Largest independent non-bank loan intermediary in Czech Republic. Intermediated 417 million CZK in loans (2022).

Pricing tiers

Go-to-market motion4 records

Distribution channels8 records

Marketing channels10 records

Core offering

CFIG SE operates as a Czech financial and investment holding company delivering non-bank consumer and business lending through its ČNB-licensed CFIG Credit subsidiary, including the Revolio revolving online credit product. It also operates loan brokerage (CFIG Financial), real estate development and property management (CFIG Real Estate — Palachovka office center and Rezidence Kostelíček residential project), receivables management (CFIG Debt), corporate bond issuance and the OKdluhopisy.cz bond marketplace (CFIG Investment), art auctions (CFIG Arts), and luxury vehicle and RV rentals (EPIQ Cars, EPIQ Caravan).

Product overview

CFIG SE is a Czech financial and investment holding company structured as a platform of multiple subsidiaries. The core business operates through: CFIG Credit (ČNB-licensed non-bank lending with online products including Revolio revolving loans), CFIG Financial (loan brokerage), CFIG Real Estate (development including Palachovka office center and Rezidence Kostelíček residential project), CFIG Debt (receivables management), CFIG Investment (bond programs via OKdluhopisy.cz marketplace), CFIG Arts (art collection and auctions), CFIG E-commerce, CFIG Retail (Café Palachovka), CFIG Cars/Private Jets/Yachts (EPIQ luxury vehicle/RV rentals), and CFIG WorkSpace (free coworking). The group also operates a charitable foundation. Products are largely independent subsidiary offerings rather than an integrated platform architecture.

Differentiator

Problem solved

Functional benefit

Products and services

• Revolio Flexible revolving online loan offering up to 100,000 CZK with instant approval. Fully online process without paperwork, funds available immediately after approval. Targeted at Czech retail consumers seeking fast credit access.
• CFIG Credit Consumer and Business Lending Non-bank consumer and business lending with ČNB license. Provides online revolving loans (Revolio), consolidation products, and secured loans with a fully automated online application process leveraging PSD2, debtor registries, and AI-driven decision algorithms.
• CFIG Credit Loan Consolidation (Konsolidace) Loan consolidation service combining multiple existing loans into one payment, designed for clients seeking to optimise personal finances and lower overall monthly obligations.
• CFIG Financial Loan Brokerage Largest independent broker of non-bank consumer loans in the Czech Republic. Mediates consumer credits, consolidations, and other financial products for Home Credit, Profi Credit, CFIG Credit, and other partner lenders, intermediating 417 million CZK of loans in 2022.
• Rezidence Kostelíček Residential development project with 78 apartments (1+KK to 4+KK), 37 parking spaces, and 7 floors. Located near Bubeníkovy sady park in Pardubice with active ground-floor Café Kostelíček. Sales launched April 1, 2025.
• Palachovka Administrative Center Modern 5-floor administrative building with 2,300 m2 of commercial space, 240 m2 green terraces, solar panels, and battery storage for energy independence. Includes Café Palachovka, coworking facilities, reception, meeting rooms, gym, and bicycle storage.
• CFIG Debt Receivables Management

Quantifiable outcome

• Loan approval process reduced to minutes through automation
• +4 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability1 record

Feature3 records

Partnerships

17 partnerships are on record, tiered minor, moderate and core.

• Epiq Cars FestivalminorGTM or Marketing Partner · 22 May 2026CFIG Real Estate as participant in premier Epiq Cars Festival at Automatické mlýny Pardubice. Event combines luxury cars, premium rums, and lifestyle experiences.
• AQUA GOLF CUPminorGTM or Marketing Partner · 18 May 2026Proud sponsor of XVI. AQUA GOLF CUP at Golf Club Pardubice - Lázně Bohdaneč. Tournament includes Stableford format, golf academy for non-golfers, and charitable competition.
• Krajská hospodářská komora Pardubického krajemoderateGTM or Marketing Partner · 6 May 2025Hosting business chamber partners breakfast meeting at Palachovka headquarters. Strengthening regional business community relationships.
• Otrošina FinanceminorChannel Partner/ Reseller/ Distributor · 1 April 2025Financing partner for Rezidence Kostelíček project offering favorable housing financing conditions to buyers.
• SIKOminorChannel Partner/ Reseller/ Distributor · 1 April 2025Partnership for quality furnishing options at attractive prices for Rezidence Kostelíček buyers.
• UNIT architekticoreImplementation/ SI/ Consulting Partner · 28 March 2025Renowned architectural studio responsible for Rezidence Kostelíček design, creating unique building that harmoniously fits urban context.
• CapexuscoreImplementation/ SI/ Consulting Partner · 21 March 2025Renowned architectural studio responsible for interior design of Palachovka headquarters and CFIG office spaces.
• TFT PardubiceminorGTM or Marketing Partner · 12 September 2023Partnership with TFT Pardubice football club. CFIG known for extensive sports support including professional and amateur clubs.
• 1. Házenkářský club PardubiceminorGTM or Marketing Partner · 16 March 2023Partnership renewal with handball club for 2023. Part of CFIG's ongoing support for local sports clubs.
• FK PardubicecoreGTM or Marketing Partner · 1 February 2023Main partner and naming rights holder of FK Pardubice stadium (CFIG ARENA). Multi-year partnership including stadium naming rights. Capacity 4,600 seats.
• Enteria (Stavební skupina)coreImplementation/ SI/ Consulting Partner · 1 February 2023Construction group originally responsible for FK Pardubice stadium reconstruction. CFIG partnered for stadium naming rights.
• BondsterminorGTM or Marketing Partner · 20 January 2023Investment platform partnership where Bondster connects investors with CFIG Credit loan offerings. Investors can co-finance real estate-backed loans from CFIG Credit clients.
• Willemit (Generální dodavatel)coreImplementation/ SI/ Consulting Partner · 15 January 2023General contractor for Palachovka administrative center construction. Pardubice-based construction company.
• Sokoli Pardubice (Florbal)minorGTM or Marketing Partner · 4 January 2023Partnership with florball club Sokoli Pardubice. CFIG supports the club known for its youth development philosophy.
• University of Pardubice (Univerzita Pardubice)moderateStrategic or Co-development Partner · 19 December 2022Academic partnership between CFIG and University of Pardubice. Includes guest lectures by founder Martin Chovanec on urban development and project financing, and collaboration on educational initiatives.
• Asociace realitních kanceláří České republikyminorOthers · 26 January 2022CFIG Real Estate membership in largest professional real estate association in Czech Republic.
• OKTAGON PRIME 4minorGTM or Marketing Partner · 5 November 2021CFIG as one of main partners of OKTAGON PRIME 4 MMA tournament held at Enteria Arena in Pardubice.

Scale indicators32 records

Recent moves11 records

Expansion highlights6 records

Direct peers

• Home Credit: One of the largest non-bank consumer lenders in Central Europe, headquartered in the Czech Republic. CFIG Financial is a distribution partner that intermediates loans on behalf of Home Credit, making them both a peer and a supplier — directly comparable in non-bank consumer credit to CFIG Credit.
• Profi Credit: Major Czech non-bank consumer lender serving sub-prime and near-prime borrowers with installment loans, similar to CFIG Credit's target market. CFIG Financial intermediates Profi Credit products, confirming direct overlap in product, customer segment, and geography.
• Bondster: Czech online P2P investment platform that partners with CFIG Credit to let retail investors co-finance CFIG-originated real-estate-backed loans. Directly comparable as a Czech online credit-investment marketplace with overlapping borrower/investor base.

Emerging players

• Zonky: Czech peer-to-peer consumer lending marketplace owned by Air Bank / PPF group. Operates an online platform that connects retail lenders with consumer borrowers — overlapping with CFIG Credit's online consumer lending thesis and CFIG Investment's marketplace ambition (OKdluhopisy.cz).
• Twisto: Czech fintech offering 'buy now, pay later' and revolving digital credit lines. Comparable to CFIG Credit's Revolio product (online revolving credit up to 100K CZK) in product design, target segment, and digital-first delivery.

Broad incumbents

• Air Bank: Czech digital-first retail and SME bank owned by PPF. Competes with CFIG Credit on consumer loans and overdrafts but operates a broader deposit-taking franchise; useful comparable for online lending UX and Czech consumer credit economics.
• MONETA Money Bank: Listed Czech retail and SME bank with significant consumer credit and mortgage activity. Comparable in Czech consumer/SME lending market and serves as a benchmark for Czech credit product economics, though with deposit-funding advantages CFIG does not have.
• Komerční banka: One of the largest Czech banks (Société Générale subsidiary) with full-service retail, SME, and corporate banking including consumer loans. Broad incumbent competing for the same Czech borrower pool as CFIG Credit, but with materially larger balance sheet and deposit base.
• Česká spořitelna: Largest Czech bank by customers, part of Erste Group. Competes in consumer credit, mortgages, and SME lending across the same Czech market that CFIG Credit and CFIG Financial address.

Regional players

• Trigea: Czech real estate development group active in residential and commercial projects. Comparable to CFIG Real Estate's development pipeline (Rezidence Kostelíček, Viladomy Labská, Palachovka) and competes for the same regional Czech investor and buyer pool.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCoCGFXbLwZfDs9fHfsx_qpQ
• Facebookfacebook.com/cfigse
• LinkedInlinkedin.com/company/cfig-se
• Instagraminstagram.com/cfig_se
• Xx.com/cfig_se

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries13 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 CFIG