Ecclesia Credit

What Ecclesia Credit does

Ecclesia Credit GmbH is a specialty credit insurance and financing brokerage headquartered in Detmold, Germany, operating as a consolidated subsidiary of the Ecclesia Gruppe, Germany's largest insurance broker for companies and institutions. Formally launched as a unified brand in November 2021 by combining four pre-existing credit specialist entities (CFG Finance Gruppe, km credit consulting GmbH, deas Deutsche Assekuranzmakler, and SCHUNCK GROUP's Competence Center Credit & Factoring), the company delivers process-oriented credit insurance broking, trade credit management advisory, and receivables financing solutions. Its primary customers are German and Austrian mid-market and large enterprises with cross-border credit risk exposure.

The company employs 75 specialists organized by customer segment (Middle Market and Global Accounts), providing individualized, need-based structured insurance and financing solutions across the Order-to-Cash and Purchase-to-Pay processes. Its core digital product is the ECCLESIA Trade Credit Manager (ETCM), a cloud-based credit management platform co-developed with Prof. Schumann GmbH that centralizes internal and external credit information via API integrations with client ERP/CRM/AP systems, automates credit limit workflows, and provides continuous portfolio monitoring with early-warning alerts. As the exclusive ICBA (International Credit Brokers Alliance) partner for Germany and Austria, Ecclesia Credit accesses a global network of 620 specialists across 63 countries serving 8,000+ customers with over $300 billion in insured volume.

Ecclesia Credit generates revenue primarily through insurance brokerage commissions (Courtage) embedded in insurance premiums, supplemented by advisory fees (Honorar), collection interest income, and performance-based compensation from insurers. The company operates as a registered Versicherungsmakler under § 34d Abs. 1 Gewerbeordnung (registration D-7R2M-CLSU0-74 at IHK Lippe). In August 2025, Ecclesia Gruppe consolidated all credit competencies into the single unified entity Ecclesia Credit GmbH, strengthening its position as a leading receivables insurance and financing specialist. Recent strategic initiatives include a 2023 cooperation with TÜV Rheinland for Credit Management certification aimed at mid-market firms and a 2021 Austrian market partnership with GrECo.

Name

Ecclesia Credit

Legal name

Ecclesia Credit GmbH

Website

https://ecclesia-credit.de

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Ecclesia Credit GmbH is a German specialty broker bundling credit insurance, trade credit management advisory, and receivables financing solutions for mid-market and large enterprises in Germany, Austria, and globally via the ICBA network.

Ownership category

akta.pro rank

Product category

Trade Credit Insurance Brokerage

NAICS

Activities Related to Credit Intermediation (5223), Finance and Insurance (52)

SIC

Fire, Marine & Casualty Insurance (6331), Finance Services (6199)

akta.pro primary industry

Structured Trade & Export Credit (ECA-backed, Structured Solutions) (FSABAHAJ)

akta.pro secondary industry

Export Credit Agencies (ECAs) & Trade Finance Institutions (BPADACAF)

Keywords

• Trade credit insurance
• Credit management solutions
• Receivables financing
• Working capital optimization
• Insurance brokerage services

Headquarters

HQ city

Detmold

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commission (Courtage): Standard commission (Courtage) paid by insurers, included in the insurance premium. This is the primary revenue stream. Ecclesia Credit GmbH operates as an insurance broker (Versicherungsmakler) with permission under § 34d Abs. 1 Gewerbeordnung, registered with IHK Lippe (Registernummer D-7R2M-CLSU0-74).
2. Advisory / Consulting Fees (Honorar): By agreement, Ecclesia Credit also works on a fee basis paid directly by the client. A combination of commission and fee is also possible.
3. Collection Interest Income: Interest income from collection/debt recovery activities may arise in addition to commissions and fees.
4. Performance-based Compensation from Insurers: In addition to commissions and fees, Ecclesia Credit GmbH may receive separate compensation from insurance companies for services performed for them.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Ecclesia Credit is a trade credit insurance broker that provides individually structured insurance and financing solutions for receivables from deliveries and services, supported by a proprietary cloud-based digital credit management platform (ETCM). The company serves middle-market and large enterprise clients in Germany and Austria, and extends coverage to multinational clients through the ICBA network in 63 countries. Services span advisory, brokerage of trade credit insurance, working capital financing, and process automation for Order-to-Cash and Purchase-to-Pay credit management.

Product overview

Ecclesia Credit is a unified brand operated by Ecclesia Credit GmbH that bundles the expertise of four leading credit specialists (CFG Finance Gruppe, km credit consulting, deas Deutsche Assekuranzmakler, and SCHUNCK GROUP) under one umbrella within the Ecclesia Gruppe. The company offers a comprehensive portfolio combining consulting services and digital tools for trade credit insurance and financing solutions. The core digital product is the Ecclesia Trade Credit Manager (ETCM), a cloud-based credit management platform developed in cooperation with Prof. Schumann GmbH that centralizes internal and external credit information, automates credit limit workflows, and provides a monitoring cockpit with early warning capabilities. Services support holistic Working Capital management across Order to Cash and Purchase to Pay processes. As exclusive ICBA partner for Germany and Austria, the company provides access to a global network of 620 specialists in 63 countries.

Differentiator

Problem solved

Functional benefit

Brands

• Ecclesia Trade Credit Manager (ETCM): A digital credit management platform functioning as a central cockpit for workflow and credit risk management. It enables access, evaluation, and monitoring of all relevant internal and external credit management information, integrating credit bureau data, trade credit insurance processes, payment experience, and automated early-warning alerts for credit limit decisions.

Products and services

• ECCLESIA Trade Credit Manager (ETCM) Cloud-based digital credit management platform that optimizes workflow and credit risk management on an event-driven basis. As a central platform, it enables access, evaluation, and monitoring of all relevant internal and external credit management information, including credit bureau data, trade credit insurance data, country and industry risks, balance sheet analysis, and own payment experiences, bundled in a cockpit for credit managers. Available exclusively to Ecclesia Credit customers.
• Credit and Financing Advisory Services Individually structured trade credit insurance and receivables financing solutions for middle-market and large enterprises in Germany and Austria. Supports active holistic management of working capital across Order-to-Cash and Purchase-to-Pay processes, optimizing balance sheet positions on both the asset and liability sides. Process-oriented approach where the customer's processes, markets, and structures define the direction and content of solutions.
• ICBA Global Network Access (Multinational Program Coordination) Exclusive access to the ICBA global network of 620+ specialists in 63 countries, serving more than 8,000 customers with an insured volume exceeding $300 billion. Provides locally delivered, identical service standards in local languages for multinational client subsidiaries abroad, and direct broker-underwriter collaboration for managing international trade credit insurance programs.
• Credit Management Certification (with TÜV Rheinland) Audit and certification of company Credit Management processes according to TÜV Rheinland's 'Credit Management Certification' standard. Includes Ecclesia Credit advisory support for further developing internal credit management processes, particularly targeting medium-sized enterprises, with favorable framework conditions negotiated between the two organizations. Demonstrates process quality to customers, business partners, auditors, lenders, and internal stakeholders.

Quantifiable outcome

• Reduction of manual effort in using external information (credit reports, trade credit insurance, country and industry risks, balance sheet analysis)
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core, significant, flagship and internal.

• TÜV RheinlandcoreStrategic or Co-development Partner · 7 March 2023TÜV Rheinland and Ecclesia Credit cooperate to advance process quality in corporate Credit Management. TÜV Rheinland audits companies' Credit Management under its 'Credit Management Certification' standard. Ecclesia Credit provides its team of over 60 specialists to advise companies on further developing their processes. Target group is particularly medium-sized enterprises. Customers benefit from favorable framework conditions negotiated between the two organizations.
• GrECo (GrECo Group)significantStrategic or Co-development Partner · 17 December 2021km credit consulting GmbH (part of Ecclesia Credit) partners with Austrian broker GrECo to advise multinational clients on credit management development in the Austrian market. GrECo becomes a co-member of ICBA, gaining access to worldwide credit insurance specialist knowledge. GrECo is 13.33% owned by Ecclesia Gruppe. The partnership enables the development and implementation of coverage concepts for leading Austrian industrial companies with seven credit insurance experts in Vienna.
• SCHUMANN (Prof. Schumann GmbH)coreTechnology or Integration · 17 November 2021SCHUMANN, a German family company headquartered in Göttingen and a leading developer of Credit Management Software, co-developed the Ecclesia Trade Credit Manager (ETCM) with Ecclesia Credit. SCHUMANN contributes decades of software expertise; Ecclesia Credit contributes consulting competence. The ETCM combines proven software functions and modules in a unique combination, providing a cloud-deployed digital credit management solution with automation of credit limit processes and trade credit insurance workflows.
• ICBA (International Credit Brokers Alliance)flagshipStrategic or Co-development PartnerEcclesia Credit is the exclusive partner of the International Credit Brokers Alliance (ICBA) for Germany and Austria. ICBA is the world's largest credit broker association, comprising leading specialist brokers in over 60 countries. 620 specialists in 63 countries serve over 8,000 customers with an insured volume exceeding 300 billion dollars. The network enables centrally negotiated and structured solutions, providing identical service standards in local languages for subsidiaries of multinational clients abroad. Founded in 1999.
• km credit consulting GmbHinternalOtherskm credit consulting GmbH, a leading specialist broker for credit management, has been part of the Ecclesia Gruppe since 2020 and operates under the Ecclesia Credit brand. It focuses on worldwide support for multinational large enterprises in the areas of supplier credit insurance, financing, and self-management. 23 employees.
• CFG Finance GruppeinternalOthersCFG Finance Gruppe is one of the four operating entities operating under the Ecclesia Credit brand, contributing expertise in trade and asset financing. Led by Matthias Bühler and Stefan Vogel.
• deas Deutsche Assekuranzmakler GmbHinternalOthersdeas Deutsche Assekuranzmakler is one of the four operating entities operating under the Ecclesia Credit brand, contributing credit and insurance expertise within the Ecclesia Gruppe.
• SCHUNCK GROUP (Competence Center Credit & Factoring)internalOthersSCHUNCK GROUP, specifically its Competence Center Credit & Factoring, is one of the four operating entities operating under the Ecclesia Credit brand, focused on the needs of the logistics economy.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• MRH Trowe: Frankfurt-based corporate insurance broker with a dedicated specialty risk/credit practice. Competes with Ecclesia Credit for German Mittelstand and large-account credit-insurance mandates and has invested in proprietary digital tools to support credit management workflows.
• GrECo Group: Austrian-headquartered insurance and risk consultancy with a specialty credit insurance practice. Co-members of ICBA together with Ecclesia Credit and partnership (GrECo is 13.33% owned by Ecclesia Gruppe), GrECo competes head-to-head in Austria while complementing Ecclesia Credit's German franchise.
• Funk Gruppe: Hamburg-headquartered, family-owned German insurance broker with a strong specialty credit and credit-management practice. Closest direct mid-market competitor in Germany, serving Mittelstand and corporate clients with similar consulting-led and digital-platform-augmented offerings.

Broad incumbents

• Aon: Global insurance brokerage and advisory firm with a substantial Credit Solutions practice covering multinational trade credit insurance programs. A meaningful competitor for cross-border enterprise mandates where clients value one-stop risk advisory beyond credit.
• Allianz Trade (formerly Euler Hermes): World-leading trade credit insurer (part of Allianz Group). Competes with the underwriting side of trade credit insurance while also offering digital credit-management tools that overlap with the ETCM proposition.
• Willis Towers Watson (WTW): Global advisory, broking, and solutions firm with a Trade Credit line of business. Competes for enterprise-wide risk advisory mandates where trade credit is one component of a broader services relationship.
• Howden Group: International insurance intermediary with an active credit and political risk practice. Increasingly relevant in EMEA enterprise accounts as Howden expands its specialty offerings and competes in cross-border credit insurance placements.
• Marsh: Global insurance broker (Marsh McLennan) operating a dedicated Trade Credit and Political Risk practice. Competes for multinational program placements and benefits from broader risk-consulting services that Ecclesia Credit does not directly offer.
• Coface: Global trade credit insurer operating in 100+ countries with a strong DACH and pan-European presence. As a direct insurer rather than broker, Coface is both a placement counterparty and a competitor when clients procure directly.
• Atradius: Leading global trade credit insurer underwriter and information services provider. Competes at the underwriter level rather than as a pure broker, but its investments in direct-to-customer digital offerings threaten brokerage intermediation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xxing.com/companies/ecclesiagruppe
• YouTubeyoutube.com/@ecclesiacredit
• Facebookfacebook.com/ecclesiagruppe
• LinkedInlinkedin.com/company/ecclesia-credit

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries4 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 Ecclesia Credit