Aktivbank
AKTIVBANK AG is a BaFin-licensed specialized bank offering Zentralregulierung central clearing and Factoring to German Mittelstand firms, purchasing associations, and their suppliers via cloud-based Web-ZR and @ktiv-web 2.0 portals.
- Company typePrivate
- Founded1990
- HeadquartersFrankfort, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Aktivbank does
AKTIVBANK AG is a BaFin-licensed specialized bank (Spezialbank) headquartered in Frankfurt am Main, founded in 1990 and operating as a subsidiary of ANWR GROUP eG within the German cooperative ecosystem. The bank delivers two integrated working-capital product lines: Zentralregulierung (central clearing), a bank-backed settlement and payment hub that processes invoices between purchasing associations (Einkaufsverbände), their member retailers, and suppliers with full 100% delcredere coverage and consolidated single-sum billing; and Factoring, which purchases B2B receivables for up to 100% payout within 24 hours with full credit-risk coverage and optional receivables management. The product set is augmented by ZR*flex* (on-demand 30/60/90-day payment-term extensions), a Factoring Rechner for instant cost calculation, and the Fynbiz-powered AKTIVBANK KreditCheck for comparing financing offers from approximately 300 banks and specialty financiers.
The technology backbone consists of two cloud-based, 24/7 self-service portals — Web-ZR for Zentralregulierung members and suppliers, and @ktiv-web 2.0 for factoring clients — together with a PSD2-compliant XS2A interface implemented via Atruvia AG on the Berlin Group NextGen specification (v1.2, production since June 14, 2019). AKTIVBANK is a member of the BVR deposit protection scheme and the Deutscher Factoring Verband, and aligns with the January 2025 German e-invoicing mandate through dedicated content and product support. The bank serves over 60,000 firm customers and purchasing associations across more than 20 industries, concentrated in the German Mittelstand, with an additional office in Pforzheim.
Go-to-market combines direct enterprise sales with a channel layer anchored in purchasing association partnerships and a Vermittler (broker/agent) portal for Factoring intermediaries. Revenue is generated transactionally — fees on settlement volumes, factoring fees, and interest income on extended payment terms — with pricing negotiated per contract and tailored to individual credit situations. Marketing spans a multi-channel mix including LinkedIn, Facebook, Instagram, YouTube, XING, MailChimp newsletters, SEO/content, and partner referral programs. Customer references highlight long-tenured relationships with associations such as VME and BAUVISTA, underscoring entrenched positioning within German cooperative retail and construction supply chains.
Aktivbank firmographics
Firmographics- Name
- Aktivbank
- Legal name
- AKTIVBANK AG
- Website
- https://aktivbank.de
- Company type
- Private
- Founded year
- 1990
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- AKTIVBANK AG is a BaFin-licensed specialized bank offering Zentralregulierung central clearing and Factoring to German Mittelstand firms, purchasing associations, and their suppliers via cloud-based Web-ZR and @ktiv-web 2.0 portals.
- Ownership category
- akta.pro rank
Aktivbank industry classification
Industry- Product category
- Specialized Commercial Banking (Zentralregulierung and Factoring)
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Invoice Financing, Factoring & Receivables Management (FSAGAJAB)
Keywords
Where Aktivbank is headquartered
LocationHeadquarters
- HQ city
- Frankfort
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Aktivbank business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Zentralregulierung (Central Clearing) Fees: AKTIVBANK charges fees to purchasing associations and their members for central clearing and settlement services, including document processing, payment processing, and delcredere coverage. The bank also earns interest income from extended payment terms (ZR*flex*).
- Factoring Fees and Interest: AKTIVBANK purchases accounts receivable from clients (up to 100% of invoice value minus a fee), collects from the client's customers, and earns factoring fees plus interest income. The bank bears the credit risk (delcredere) for outstanding receivables.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Factoring - Standard |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels9 records
Aktivbank product offering
Product offeringCore offering
AKTIVBANK is a BaFin-licensed specialized bank offering Zentralregulierung (centralized invoice clearing and payment hub between purchasing associations, their members, and suppliers with 100% delcredere coverage) and Factoring (selling of B2B receivables for up to 100% payout within 24 hours, with full default risk coverage). These are delivered through proprietary digital self-service portals (Web-ZR and @ktiv-web 2.0) and supplemented by ZR*flex* (payment term extensions), the AKTIVBANK KreditCheck comparison tool, and the Factoring Rechner calculator.
Product overview
AKTIVBANK is a specialized bank (Spezialbank) offering a unified platform of financial services centered on two core products: Central Regulation (Zentralregulierung) and Factoring. Central Regulation is delivered through the Web-ZR information platform, enabling bank-backed settlement and payment processing between purchasing associations, members, and suppliers. Factoring services are delivered via the @ktiv-web 2.0 portal, allowing companies to sell invoices for immediate liquidity. The product ecosystem includes complementary modules: ZR*flex* for extended payment terms, AKTIVBANK KreditCheck for financing comparisons, and a Factoring Calculator. The bank also provides standard banking services including Online-Banking and invoice archiving. AKTIVBANK operates under BaFin authorization as a member of the BVR cooperative banking system.
Differentiator
Problem solved
Functional benefit
Brands
- Web-ZR: Digital information platform for Zentralregulierung (centralized invoice processing) providing 24/7 access for members and suppliers to manage documents and billing.
- @ktiv-web 2.0
- ZR*flex*
Quantifiable outcome
- Forderungsausfall-Schutz (100% delcredere) — suppliers receive guaranteed payment even if the buyer defaults
- +4 more outcomes
Companies that use Aktivbank
Customer profileNamed customers2 records
Segments6 records
Ideal customer profiles4 records
Aktivbank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature5 records
Aktivbank partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- BVR (Bundesverband der Deutschen Volksbanken und Raiffeisenbanken)coreAKTIVBANK is a member of the BVR and participates in the BVR deposit protection scheme (Sicherungseinrichtung). The BVR is the central organization for German cooperative banks.
- Deutscher Factoring VerbandcoreAKTIVBANK is a member of the Deutscher Factoring Verband (German Factoring Association), indicating industry leadership and adherence to industry standards.
- Verband elektronische Rechnungen (VeR)minorAKTIVBANK is a member of the Verband elektronische Rechnungen (Association for Electronic Invoicing), supporting compliance with e-invoicing regulations.
- BankenfachverbandminorAKTIVBANK is a member of the Bankenfachverband (Banking Industry Association), supporting specialized banking activities.
- Atruvia AGcoreAtruvia AG serves as AKTIVBANK's technical service provider for PSD2/XS2A interface implementation based on the Berlin Group NextGen specification. The partnership enables secure account information and payment initiation services for third-party providers.
- GREEN FOREST FUND e.V.minorAKTIVBANK partnered with GREEN FOREST FUND e.V. to plant approximately 300 trees as part of its sustainability and environmental commitment.
- The Hand ProjectminorAKTIVBANK participated in The Hand Project, an international initiative that builds and donates prosthetic hands. Two AKTIVBANK teams built two hand prostheses (costing €850 total) that were fitted to recipients in Nepal at a Fitting Camp.
- Tierschutzverein Pforzheim und UmgebungminorAKTIVBANK supports the Tierschutzverein Pforzheim und Umgebung animal shelter as part of its social engagement program.
- Break14 (Kinder- und Jugendkulturwerkstatt)minorAKTIVBANK employees participated in a cooking event at Break14, a children's and youth cultural workshop, as part of social engagement activities under the sustainability and social responsibility initiative.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Aktivbank competitors and assessment
Company assessmentMarket position
Competitive moat6 records
Key highlights7 records
Customer concentration
Aktivbank social profiles
Digital presenceAktivbank compliance and trust
Trust signalCompliance5 records
Aktivbank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Aktivbank leadership team
Management profileNumber of profiles
Profiles9 records
Aktivbank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Aktivbank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Aktivbank
What does Aktivbank do?
AKTIVBANK is a BaFin-licensed specialized bank offering Zentralregulierung (centralized invoice clearing and payment hub between purchasing associations, their members, and suppliers with 100% delcredere coverage) and Factoring (selling of B2B receivables for up to 100% payout within 24 hours, with full default risk coverage). These are delivered through proprietary digital self-service portals (Web-ZR and @ktiv-web 2.0) and supplemented by ZR*flex* (payment term extensions), the AKTIVBANK KreditCheck comparison tool, and the Factoring Rechner calculator.
Is Aktivbank a public or private company?
Aktivbank is a private company. It is classified as corporate owned and is currently operating.
When was Aktivbank founded?
Aktivbank was founded in 1990. It employs 101 to 250 people.
Where is Aktivbank based?
Aktivbank is headquartered in Frankfort, United States, in the North America region.
How does Aktivbank make money?
Two revenue lines are on record. Zentralregulierung (Central Clearing) Fees are the primary driver. The others are factoring Fees and Interest.
Does Aktivbank have an API?
Yes. Aktivbank offers a PSD2-compliant XS2A (Access to Account) interface enabling third-party providers (TPPs) - payment service providers issuing card-based payment instruments, account information service providers, and payment initiation service providers - to access online payment accounts. The interface is implemented based on Berlin Group NextGen specification version 1.2 through technical service provider Atruvia AG. The sandbox/test environment has been available since March 14, 2019, and production environment since June 14, 2019. Developer documentation is at atruvia.de/drittanbieter-schnittstelle-xs2a.
What industry is Aktivbank in?
Aktivbank's product category is Specialized Commercial Banking (Zentralregulierung and Factoring). Its primary akta.pro industry code is FSAGAJAB, Invoice Financing, Factoring & Receivables Management. Its NAICS code is 52222 and its SIC code is 6153.