FFG Finanzcheck Financial Portals

What FFG Finanzcheck Financial Portals does

FFG FINANZCHECK Finanzportale GmbH is a Hamburg-based private limited company operating as a loan and credit advisory platform primarily through its finanzcheckPRO B2B brand. Founded in 2010 as the operator of FINANZCHECK.de, an online comparison portal for installment loans and consumer finance products in Germany, the company launched finanzcheckPRO in 2016 as a B2B division serving independent credit intermediaries (Kreditvermittler). The platform provides credit brokers with access to a network of more than 10 partner banks — including DKB, Postbank, Santander, Santander CarCredit, Targobank, ING, Bank of Scotland, SWK-Bank, PSD Bank, SKG Bank, and auxmoney — through proprietary comparison technology and a partner portal.

The technical platform comprises a cloud-based loan comparison engine, a customer management portal for intermediaries, iFrame calculator embedding for affiliates, an API documented at api.finanzcheckpro.de, and a commission calculator. Core products are the Kreditvermittler-Partnerprogramm (B2B partner program) and the Affiliate-Partnerprogramm, supplemented by sub-intermediary management, an SME business-credit integration with iwoca (announced January 2024), an account-view analysis tool (Kontoblick), a redesigned application workflow, and a commission calculator. Distribution combines a partner program, an affiliate channel, and direct sales outreach targeting financial advisors and insurance brokers.

The business model is transaction-based: partners earn a minimum commission of 1.75% of mediated loan volume, paid bi-weekly on successful bank disbursement on a cancellation-free (stornofrei) basis. The company holds three German regulatory permits under §34c (loan broker), §34d (insurance broker), and §34i (real estate loan broker) of the Gewerbeordnung. Eckart Vierkant and Tobias Berthold-Wieschendahl serve as managing directors (Geschäftsführer); ownership is privately held with no evidence of institutional investment or public listing. The team is small (11–50 employees), headquartered at Admiralitätstraße 60, Hamburg, and operates exclusively in the German market.

Name

FFG Finanzcheck Financial Portals

Legal name

FFG FINANZCHECK Finanzportale GmbH

Website

https://finanzcheckpro.de

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

FFG FINANZCHECK Finanzportale GmbH operates finanzcheckPRO, a Hamburg-based B2B platform enabling German credit intermediaries and affiliates to compare, mediate, and earn commission on installment and SME loans from multiple partner banks.

Ownership category

akta.pro rank

Product category

Credit Intermediation Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

akta.pro secondary industry

Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG)

Keywords

• Credit intermediation
• Loan brokerage services
• Installment loan comparison
• B2B lending platform
• Credit mediation partner program

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission on Mediated Loans: Partners receive commission based on a percentage of the mediated loan volume. Commission is paid after the bank transfers funds to the customer. Minimum commission rate of 1.75% of loan amount. Commission is cancellation-free (stornofrei). Payment cycles are bi-weekly (every 14 days).

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

FFG FINANZCHECK Finanzportale GmbH operates finanzcheckPRO, a B2B partner platform that provides independent credit intermediaries, financial advisors, and insurance brokers with access to a proprietary loan comparison technology and a network of more than ten partner banks (including DKB, Postbank, Santander, Targobank, ING, Bank of Scotland, PSD Bank, SWK-Bank, and SKG Bank). Partners earn commission on successfully mediated installment loans (Ratenkredite) and can also offer business credit through the iwoca integration. A complementary affiliate program allows website operators to embed the loan calculator via iFrame to generate referred leads.

Product overview

FFG FINANZCHECK Finanzportale GmbH operates finanzcheckPRO as a B2B partner ecosystem built on top of FINANZCHECK.de's loan comparison technology. The core offering is the Kreditvermittler-Partnerprogramm (financialcheckPRO B2B Partner Program), a white-label-ready platform providing independent credit brokers with proprietary comparison technology, access to a multi-bank portfolio (over 10 partner banks), commission management, and customer relationship tools. The affiliate program complements this by allowing website operators to embed the loan calculator via iFrame without regulatory prerequisites. Key sub-products include the loan comparison calculator, an iwoca-powered business credit module, a sub-intermediary management feature, a Kontoblick account-analysis tool, a new application flow (Neue Antragsstrecke), and a commission calculator. All offerings are oriented around the installment loan (Ratenkredit) product line for the German consumer and SME credit market.

Differentiator

Problem solved

Functional benefit

Products and services

• Kreditvermittler-Partnerprogramm (finanzcheckPRO B2B Partner Program) A B2B partner program providing credit intermediaries (Kreditvermittler) holding a §34c GewO trade permit with access to FINANZCHECK.de's proprietary loan comparison technology, a broad network of partner banks, an intuitive customer management portal, expert support, and commission-based compensation. Partners mediate installment loans to end customers and earn a minimum 1.75% commission, paid bi-weekly and cancellation-free.
• Affiliate-Partnerprogramm (FINANZCHECK Affiliate Program) An affiliate program enabling website operators to embed FINANZCHECK's loan comparison calculator via iFrame on their own sites with no legal prerequisites (§34c not required for affiliates). Partners earn commission for referred loan business without handling customer data themselves.
• iwoca Firmenkredite (iwoca Business Credit Integration) A business credit product offered in partnership with iwoca, enabling partners to mediate SME loans ranging from €1,000 to €500,000 with flexible terms up to 60 months. Features a 5-minute digital application and competitive interest rates starting from 1% per month, extending the platform beyond consumer installment loans into the corporate credit segment.

Quantifiable outcome

• 4.9/5 customer satisfaction rating from 464 reviews
• +1 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core and supporting.

• iwocacoreStrategic or Co-development Partner · 1 January 2024Strategic partnership for business loans (Firmenkredite). iwoca offers credit from €1,000 to €500,000 with flexible terms up to 60 months. Application takes 5 minutes. Enables partners to offer SME financing alongside consumer loans. This extends the platform from consumer credit only to include business lending.
• Deutsche Kreditbank AG (DKB)coreChannel Partner/ Reseller/ DistributorPartner bank providing loan products through the finanzcheckPRO platform. End customers can access DKB credit offers as part of the multi-bank comparison.
• auxmoneycoreChannel Partner/ Reseller/ DistributorPeer-to-peer lending platform partner offering alternative financing options through the comparison platform.
• Bank of ScotlandcoreChannel Partner/ Reseller/ DistributorPartner bank providing credit products through the platform for comparison and mediation.
• PostbankcoreChannel Partner/ Reseller/ DistributorMajor German bank partner providing loan products for the credit comparison network.
• Santander BankcoreChannel Partner/ Reseller/ DistributorPartner bank including Santander CarCredit for automotive financing solutions. One of the major German banking partners.
• PSD BanksupportingChannel Partner/ Reseller/ DistributorRegional cooperative bank partner providing additional credit product options.
• SWK-BanksupportingChannel Partner/ Reseller/ DistributorPartner bank contributing to the diversity of credit offerings on the platform.
• SKG BanksupportingChannel Partner/ Reseller/ DistributorBank partner (DKB brand) providing credit products through the network.
• TargobankcoreChannel Partner/ Reseller/ DistributorMajor German bank partner offering credit products through the comparison platform.
• INGcoreChannel Partner/ Reseller/ DistributorLeading direct bank partner providing credit products for the loan comparison network.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Others

• iwoca: UK-headquartered SME lender active in Germany offering short-term business credit from €1k–€500k with instant decisions. Strategic partner to finanzcheckPRO via January 2024 integration, extending the platform into SME credit—making it a comparable ecosystem participant rather than direct competitor.
• auxmoney: Germany's largest P2P consumer lending platform and an existing finanzcheckPRO partner bank. Included as an ecosystem participant—auxmoney supplies loan products through the platform while also competing in adjacent alternative lending segments.

Direct peers

• Interhyp: Germany's largest independent mortgage intermediary with a partner/advisor network. Comparable to finanzcheckPRO in operating a regulated broker channel against bank products, though concentrated on mortgages rather than installment loans.
• Smava: Berlin-based online loan comparison and brokerage platform directly competing with finanzcheckPRO and FINANZCHECK.de in the German consumer installment loan market. Smava aggregates multiple bank offers and intermediates credit digitally with similar commission-based economics.
• Creditolo: German online credit broker focused on consumer loan intermediation, working with a network of partner banks. Similar B2C/B2B brokerage model targeting end customers seeking installment loan offers, in direct competition with FINANZCHECK.de/finanzcheckPRO.
• Dr. Klein: Established German financial product distributor and credit broker with a strong intermediary network for mortgages, consumer loans, and insurance. Comparable to finanzcheckPRO in providing brokers with multi-bank product access and intermediation infrastructure.

Regional players

• Baufi24: German digital mortgage broker focused on Baufinanzierung. Comparable to finanzcheckPRO as a credit intermediation platform leveraging a multi-bank product set in the German market, though concentrated on mortgages rather than Ratenkredite.

Broad incumbents

• Verivox: One of Germany's largest independent comparison platforms, covering credit alongside insurance, energy, telecom, and banking products. It competes with finanzcheckPRO on consumer loan comparison while benefiting from a substantially larger marketing footprint and product breadth.
• Check24: Germany's leading multi-category comparison portal covering credit, insurance, banking, energy, travel, and more. Loans (Kredite) is a core vertical where Check24 competes directly with finanzcheckPRO's underlying FINANZCHECK.de comparison engine.

Emerging players

• Bon-Kredit: Smaller German credit broker operating in the consumer installment loan space with a digital lead-generation and intermediation model. Competes for the same end-customer wallet as finanzcheckPRO, though at a smaller scale and with fewer partner integrations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/finanzcheckpro
• Instagraminstagram.com/finanzcheckpro

Compliance3 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 FFG Finanzcheck Financial Portals