Financing

What Financing does

Finanzierung.com GmbH is a Munich-based, provider-independent financing broker and advisory firm founded in 2004 that intermediates corporate financing, commercial real estate financing, renewable energy (photovoltaic) financing, subsidies/grants advisory, import financing, supply chain insurance, and structured debt instruments (mezzanine, sale-and-lease-back, senior loans, trade credits, restructuring credits) for German small and medium-sized enterprises. Customers submit financing requests through an online intake or by phone and are then assigned a dedicated personal advisor rather than a call center; the advisor documents the request, matches the borrower against a curated network of more than 400 financing partners, negotiates terms, and supports disbursement through to ongoing refinancing. The partner network spans banks, fintechs, funds, and private investors, and the company explicitly markets provider independence as a differentiator, with revenue generated entirely on an affiliate/referral commission basis paid by lenders upon successful deal closure (the advisory is free to the customer).

The core technology stack is conventional marketing and CRM infrastructure (Google Analytics 4, Hotjar, Vercel, Storyblok CMS, ZOHO CRM and email campaigns) rather than a proprietary matching engine or credit-decisioning platform; the firm's principal capability is the curation and maintenance of the 400-partner lender network and the human-advisory workflow layered on top. Distribution combines direct field sales, an inside-sales intake function, a referral commission program for professional advisors (tax advisors, auditors, insurance brokers, banks, business consultants), and a regionally segmented SEO content strategy across twelve major German economic centers. The company is founder-owned and founder-managed, with Joachim Haedke serving as Geschäftsführender Gesellschafter and a small named leadership team covering real estate, corporate finance, and subsidies.

The business is single-country / domestic (Germany) with headquarters at Löwengrube 10, Munich, and no disclosed subsidiaries, no institutional funding, no M&A activity, and no app or API product surface. TÜV Saarland service-quality certification and recurring media placements (Focus, Wirtschaftswoche, Handelsblatt) function as the primary third-party trust signals supporting customer conversion in a category where SMEs are reputational-sensitive when selecting financial intermediaries.

Name

Financing

Legal name

Finanzierung.com GmbH

Website

https://finanzierung.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Finanzierung.com is a Munich-based, provider-independent financing broker that intermediates corporate, commercial real estate, and renewable energy financing for German SMEs by matching them against a network of 400+ banks, fintechs, funds, and private investors, earning referral commissions on closed deals.

Ownership category

akta.pro rank

Product category

Commercial Financing Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Treasury, Cash Management & Liquidity (SME) (FSAGAJAG)

Keywords

• Commercial financing brokerage
• SME corporate lending
• Commercial real estate financing
• Renewable energy financing
• Subsidies and grants advisory

Headquarters

HQ city

Munich

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Brokerage Commission: Finanzierung.com acts as a provider-independent intermediary, earning commissions from financial partners (banks, fintechs, funds, private investors) when financing deals are successfully concluded. The service is free for customers; revenue comes from partner commissions on matched financing.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Finanzierung.com operates as a provider-independent financing broker and advisor for German small and medium-sized enterprises (KMU). It matches customers seeking corporate, real estate, renewable energy, and trade-related financing with terms from a curated network of more than 400 banks, fintechs, funds, and private investors, then supports the client from request through document review, lender matching, and disbursement. The advisory and brokerage service is provided free to customers, with revenue generated via commissions from financing partners on successfully closed deals.

Product overview

Finanzierung.com operates as a multi-product financial brokerage and advisory platform that connects SMEs with over 400 financing partners across Germany. The platform offers a comprehensive suite of financing solutions organized into three main categories: (1) Corporate Finance products including Unternehmensfinanzierung, Firmenfinanzierung, Gewerbekredit, Mezzanine-Kapital, and Handelskredite; (2) Real Estate financing for commercial properties; and (3) Specialized financing for renewable energy (photovoltaic), imports, and supply chain insurance. Additional services include subsidies/grants advisory, Sale-and-Lease-Back arrangements, Senior Loans, and restructuring credits. The company also provides regional and industry-specific financing solutions and operates a partner program for B2B referrals. The core value proposition is independent matching of borrowers with optimal financing options from their extensive partner network.

Differentiator

Problem solved

Functional benefit

Products and services

• Unternehmensfinanzierung (Corporate Finance) Financial brokerage service that connects German SMEs with over 400 financing partners to find optimal corporate financing solutions including firm credits (Firmenkredit), working capital loans (Betriebsmittelkredit), revolving lines (Kontokorrentkredit), investment loans (Investitionskredit), real estate business credits, letters of credit (Akkreditivkredit), dealer-purchase financing, mezzanine capital, factoring, sale-and-lease-back, warehouse financing, profit participation rights, crowdfunding, and subsidies.
• Gewerbeimmobilien-Finanzierung (Commercial Real Estate Financing) Brokerage of financing solutions for the purchase, construction, or renovation of commercial properties including office buildings, production halls, retail spaces, and warehouses. Customers gain access to over 400 financing partners including banks, leasing companies, and alternative lenders to navigate the specific conditions of the Real Estate market.
• Photovoltaik-Finanzierung (Renewable Energy / Photovoltaic Financing) Specialized financing brokerage for solar park developers, rooftop photovoltaic systems, and long-term investors in solar parks, as well as companies installing PV systems for self-consumption. Supports green energy transition projects including solar parks, wind energy, and biomass investments with access to attractive yields and government incentives.
• Förderungen (Subsidies & Grants) Advisory and brokerage services connecting businesses with government support programs including KfW loans, grants (Zuschüsse), guarantees (Bürgschaften), favorable loans (Darlehen), regional promotional programs, and research allowances (Forschungszulage). Customers receive support in identifying and combining applicable funding sources.
• Lieferkettenabsicherung (Supply Chain Insurance) Delcredere insurance and supply chain insurance services protecting businesses against payment defaults in domestic and international trade, provided in partnership with Delfactis AG. Covers credit default risk along the supply chain and enables consolidated insurance coverage under one partner with no deductible and 100% coverage.
• Importfinanzierung (Import Financing) International trade financing solutions including finetrading, letters of credit, and aval credits enabling businesses to source goods from foreign markets while managing liquidity.
• Gewerbefinanzierung & Maschinenleasing (Commercial Financing & Machine Leasing) Financing options for machinery and business equipment including operating leases (Operating-Lease), hire purchase (Mietkauf), and investment loans (Investitionskredit) tailored for Mittelstand companies seeking to optimize equipment financing conditions.
• Firmenfinanzierung (Business Credit) Comprehensive business credit solutions including working capital credits (Betriebsmittelkredit), discount credits (Diskontkredit), real estate business credits (Immobilienkredit), investment loans (Investitionskredit), and revolving credit lines for companies of all sizes.
• Gewerbekredit (Commercial Loan) Flexible loans for commercial investments covering short to medium-term capital needs for equipment purchases, raw materials, expansion projects, and operational costs.
• Senior Loan Senior debt financing instrument secured by real property, serving as first-ranking loans for acquisitions, major project financing, and refinancing, with priority repayment in insolvency scenarios.
• Handelskredite (Trade Credits) Supplier credits and trade financing enabling buyers to defer payments for goods typically up to 90-120 days, supporting working capital management for high inventory turnover businesses.
• Sanierungskredit (Restructuring Credit) Purpose-bound renovation and restructuring loans for companies and property owners, often combinable with KfW promotional loans for energy-efficient upgrades.
• Sale-and-Lease-Back Asset-backed financing solution where companies sell existing assets to a leasing company and immediately lease them back, generating immediate liquidity while retaining asset use. Particularly relevant for Mittelstand amid rising insolvencies.
• Mezzanine-Kapital (Mezzanine Capital) Hybrid financing combining characteristics of equity and debt, enabling companies to leverage additional capital without diluting ownership or burdening balance sheets with traditional loans.
• Partnerprogramm (Partner Program) B2B partnership program enabling service providers including banks, consultants, tax advisors, dealers, and insurance brokers to offer financing solutions to their clients in exchange for referral commissions. Finanzierung.com handles the financing process while partners maintain client relationships.

Quantifiable outcome

• Successfully matched clients with financing solutions including seven-figure euro credit lines within weeks

Named customers2 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Delfactis AGcoreStrategic or Co-development PartnerDelfactis AG specializes in Supply Chain Insurance & Finance, operating a network of insurance partners that collectively offer customized delcredere insurance for companies of all sizes. Finanzierung.com refers customers needing supply chain protection to Delfactis, enabling joint clients to consolidate all insurance coverage under one partner, one policy, and one aggregate limit — with no deductible and 100% coverage.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• iwoca: UK-origin fintech providing working capital and SME loans directly through a digital platform. Comparable in targeting German Mittelstand SME financing needs but bypasses brokers with a direct-to-borrower digital model, representing the structural threat to broker intermediation.
• Funding Circle: UK-listed SME lending platform operating across UK, US, Germany, and Netherlands. Comparable as a non-bank SME credit intermediary in Germany, though operates a direct origination model rather than brokerage across multiple lender partners.
• auxmoney: Germany's largest P2P / digital SME and consumer credit marketplace. Comparable in being a non-bank intermediary channel between borrowers and lenders in Germany, though more technology-led than Finanzierung.com's relationship-led model.

Direct peers

• Verivox: Germany's leading comparison portal for financial products including loans, insurance, and energy. Directly comparable business model of independent product comparison and broker referrals across multiple providers, with significant SME and consumer overlap.
• Lendio: US-based small business loan broker matching SMBs with 75+ lenders. Closest international comparable on business model - independent broker aggregating multiple lender partners for SME financing - but operating in US market.
• Interhyp: Germany's largest independent mortgage and real estate financing broker, matching customers with 400+ lending partners. Direct competitor in the commercial and residential real estate finance brokerage space where Finanzierung.com also operates.
• Dr. Klein Privatkunden AG: German loan and mortgage broker with a broad multi-product offering including corporate financing and consumer credit. Comparable provider-independent brokerage model with multiple lender partnerships, serving similar German SME and consumer segments.
• Smava: Berlin-based German loan broker (now part of Finleap) connecting consumers and SMEs with bank and credit products. Directly comparable provider-independent brokerage model targeting German-speaking borrowers.

Broad incumbents

• Check24: Germany's largest multi-vertical comparison portal with a substantial SME and consumer finance brokerage business. Broader than Finanzierung.com as it spans insurance, energy, telecom, and travel, but its SME loan and credit brokerage operations are directly comparable.

Others

• Solarisbank (Solaris SE): Berlin-based Banking-as-a-Service platform powering digital SME and consumer lending products for fintechs and corporates. Adjacent infrastructure provider that powers many of the digital lending competitors threatening traditional brokers like Finanzierung.com.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/finanzierungcom-GmbH-100063680094651
• LinkedInlinkedin.com/company/finanzierung-com-gmbh

Compliance1 record

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 Financing