What CrediMaxx does

CrediMaxx GmbH is a German digital credit intermediary (Kreditvermittler) founded in 2006 and headquartered in Zossen, Brandenburg. The company operates a proprietary FinTech platform that forwards a single, Schufa-neutral consumer credit inquiry simultaneously to a network of partner banks and returns comparative loan offers within minutes; the underlying partner banks take the credit decision, disburse, and service the loan. CrediMaxx monetizes primarily through Vermittlungsprovision — a 3.5% brokerage commission on each successfully mediated loan, supplemented by volume-based monthly bonuses paid by the bank partners. Loan products span consumer credit (Sofortkredit, Blitzkredit, Schnellkredit, Eilkredit, Minikredit, Digitaler Kredit), debt restructuring (Umschuldungskredit), home renovation (Modernisierungskredit), Schufa-free credit, property-secured lending (Grundschulddarlehen / Eigentümerdarlehen under §34i GewO), self-employed business credit, and (under §34d GewO) insurance brokerage.

The technical platform pairs automated multibank matching with human advisory: each applicant is assigned a personal credit specialist (Kreditprofi), identity is verified through WebID VideoIdent, BankIdent, or PostIdent, account insights are obtained digitally via Kontoblick, and the contract is signed electronically with real-time SMS and a customer portal (Kundenbereich) tracking status end-to-end. Distribution is fully digital and direct-to-consumer via credimaxx.de plus a long-running affiliate partner program (active since 2007) and Google Ads, content marketing, and social channels. CrediMaxx holds three German trade permits (§34c, §34i, §34d GewO), is registered with IHK Potsdam as both a real estate loan and insurance intermediary, carries professional liability coverage with R+V Versicherung, and is GDPR-compliant with German-located servers.

The customer base is a long-tail of German residents — employees, civil servants, retirees, and self-employed individuals — with a deliberate specialization in complex cases that mainstream banks reject: applicants with suboptimal Schufa scores, fixed-term contracts, probationary periods, or non-standard income documentation. CrediMaxx positions itself as a "FinTech-Manufaktur" — combining proprietary digital infrastructure with individualized human underwriting — and earns trust via TÜV (Kundenzufriedenheit "sehr gut"), eKomi (4.9/5 over 4,194 reviews), and CSI (1.5) certifications. Revenue and headcount are not publicly disclosed; the company has operated without external funding, M&A, or leadership transitions since founding.

Name

CrediMaxx

Legal name

CrediMaxx GmbH

Website

https://credimaxx.de

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

CrediMaxx is a German digital credit broker founded in 2006 that matches retail consumer and self-employed borrowers with a network of partner banks, specializing in complex credit cases that mainstream banks reject.

Ownership category

akta.pro rank

Product category

Consumer Lending / Credit Brokerage

NAICS

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

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Commercial Real Estate (CRE) Mortgage Origination (FSALADAA)

akta.pro secondary industry

Balance Transfer & Credit Card Refinance Loans (FSAKAIAA)

Keywords

• Consumer credit brokerage
• Loan intermediation
• SCHUFA-free loans
• Debt consolidation
• Self-employed lending

Headquarters

HQ city

Zossen

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Commission (Vermittlungsprovision): CrediMaxx earns commissions from partner banks for successfully mediated loans. Standard commission is 3.5% per sale. Additional volume-based bonuses are paid monthly (e.g., 50 EUR bonus at 10,000 EUR monthly loan volume, up to 1,600 EUR bonus at 700,000 EUR volume). An enrollment bonus of 40 EUR is also paid per new affiliate-referred customer.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

CrediMaxx is a digital German credit broker that intermediates consumer loans from a panel of partner banks to individual borrowers. Through its proprietary FinTech platform it matches applicants with suitable loan offers in categories such as instant credit, SCHUFA-free loans, mini credits, debt consolidation, home modernization, land-charge-secured loans, and self-employed lending, combining a fully online application with personal advisory from in-house Credit Specialists.

Product overview

CrediMaxx is a German FinTech credit broker founded in 2006 that operates its own proprietary digital loan intermediation platform and partners with a network of banks to offer a broad portfolio of consumer and property-backed credit products. The core platform is the CrediMaxx Digital Credit Brokerage Platform, through which applicants receive matching loan offers from partner banks. The product portfolio includes instant credit (Sofortkredit), online-only loans (Onlinekredite), credit for applicants with negative SCHUFA entries, mini-credits, debt restructuring loans (Umschuldungskredit), home modernization and renovation loans (Modernisierungskredit / Renovierungskredit / Sanierungskredit), property-secured land charge loans (Grundschulddarlehen / Eigentümerdarlehen), and self-employed business loans — all accessible through digital application, WebID video verification, and digital signatures. Supporting tools include a loan calculator (Kreditrechner), a customer portal (Kundenbereich) for real-time status tracking, an educational content hub (FinanzWissen), and an affiliate partner program. The platform emphasizes personal advisory alongside digital automation, targeting customers with complex credit profiles.

Differentiator

Problem solved

Functional benefit

Products and services

• Sofortkredit (Instant Credit) Immediate-decision consumer loan for urgent and unplanned financing needs, fully processed online via the CrediMaxx platform and disbursed quickly (target within 48 hours) without repeated SCHUFA inquiries. Consolidates the fast-loan variants marketed as Blitzkredit, Schnellkredit, Eilkredit, Kredit mit Sofortzusage, and Digitaler Kredit. Targeted at private borrowers in Germany.
• Onlinekredite (Online Loans) Core digital consumer loan product offered through the CrediMaxx online platform, matched against multiple partner banks with a single Schufa-neutral credit inquiry. Designed for general-purpose personal borrowing by German consumers.
• Kredit ohne Schufa (SCHUFA-Free Loan) Consumer loan offered without a SCHUFA credit check, intended for borrowers with negative or limited SCHUFA history who are typically rejected by direct bank channels. Brokered through CrediMaxx's partner-bank panel.
• Minikredit (Mini Credit) Small, short-term consumer loan for bridging small financial gaps, processed quickly online via the CrediMaxx platform. Targets private borrowers needing modest amounts on short notice.
• Umschuldungskredit (Debt Consolidation Loan) Loan designed to consolidate existing obligations into a single credit with one monthly payment, brokered through CrediMaxx's partner banks. Aimed at German consumers looking to simplify and restructure their debt.
• Modernisierungskredit (Modernization Loan) Consumer loan earmarked for home modernization and renovation projects, brokered through CrediMaxx's partner banks. Targets German homeowners financing property upgrades.
• Grundschulddarlehen (Land-Charge Loan) Property-secured consumer loan using a Grundschuld (land charge) as collateral, brokered through CrediMaxx's partner banks. Targets German property owners seeking larger or longer-tenure credit at more favorable terms.
• Kredit für Selbstständige (Self-Employed Loan) Consumer loan tailored to self-employed borrowers and freelancers whose income documentation is non-standard (no classic payslip). Offered with paperless digital processing including WebID identification. Brokered through CrediMaxx's partner banks.

Quantifiable outcome

• Payout of 85,721.00 EUR to affiliates in a single month
• +2 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature4 records

Partnerships

Two partnerships are on record, tiered core and minor.

• WebID (WebID Solutions GmbH)coreTechnology or IntegrationWebID provides the VideoIdent service used by CrediMaxx for digital identity verification, replacing the traditional PostIdent process. Customers verify their identity online via webcam/smartphone by showing their ID document to a WebID agent in a live chat session.
• Affiliate Networks and WebmastersminorChannel Partner/ Reseller/ DistributorThird-party affiliates (including partnerprogramme.de, OM Business Bash, Affiliate Stammtisch Leipzig, Affiliate Networkxx, Cash for Webmaster, Tactixx) promote CrediMaxx's loan products through their platforms and earn commission for each successful loan referral. The affiliate program has been active since 2007.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Baufi24 GmbH: Baufi24 is a German online mortgage and consumer loan broker that aggregates offers from multiple partner banks, sharing CrediMaxx's digital-first brokering model and target audience of German credit seekers.
• auxmoney GmbH: auxmoney is a German digital credit marketplace specializing in serving borrowers who are difficult to place with traditional banks (subprime, self-employed), directly mirroring CrediMaxx's niche focus on complex credit profiles.
• smava GmbH: smava is one of Germany's largest online credit marketplaces, connecting consumers with multiple bank partners for personal loans, debt consolidation, and real estate financing — directly comparable to CrediMaxx's multibank matching broker model.
• Bon-Kredit GmbH (Bonkredit): Bonkredit is a long-standing German credit broker specializing in loans for borrowers with non-standard profiles, including those with negative Schufa entries — a near-direct competitor to CrediMaxx's "Kredit ohne Schufa" offering.
• Dr. Klein Privatkunden AG: Dr. Klein is a major German broker for mortgages, real estate financing, and personal loans, operating a multi-bank matching model analogous to CrediMaxx's platform, particularly for property-backed loans.
• Finanzcheck.de (Finanzcheck Vergleichsportal): Finanzcheck is a dedicated German online credit comparison and broker platform focused on personal loans, debt restructuring, and mortgages — closely comparable to CrediMaxx's core product set and digital distribution approach.

Broad incumbents

• CHECK24 Vergleichsportal GmbH: CHECK24 is Germany's dominant multi-vertical comparison portal with a substantial credit and mortgage brokering business; it competes with CrediMaxx for the same loan-brokerage customers but operates at much larger scale across many product verticals.
• Verivox GmbH: Verivox is a major German price-comparison platform offering consumer credit and mortgage brokering alongside insurance, energy, and telecom, overlapping with CrediMaxx's credit intermediation activity but at much broader scope.

Others

• Europace AG: Europace operates a B2B credit marketplace and platform infrastructure used by German brokers and banks for mortgage and consumer loan origination — adjacent to CrediMaxx as infrastructure that enables similar credit-intermediation workflows.

Regional players

• Interhyp AG: Interhyp is one of Germany's leading mortgage brokers focused on residential real estate financing; comparable to CrediMaxx's Grundschulddarlehen product line and shared multi-bank matching approach, though specialized in mortgages rather than general consumer credit.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/credimaxx
• Facebookfacebook.com/credimaxx
• LinkedInlinkedin.com/in/christian-jung-075426231

Compliance11 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 CrediMaxx