Name

Union Finance

Legal name

Union Finance s.r.o.

Website

https://unionfinance.cz

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Prachatice

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Financial Advisory Commissions: Union Finance generates revenue through commissions and fees from financial products sold to clients, including housing financing, savings and investment products, loans and consolidation services, life insurance, and property insurance. They operate as a tied agent for SAB servis s.r.o., which authorizes them to provide investment services, consumer credit, and insurance advisory services in the Czech Republic.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Union Finance is a Czech independent financial advisory firm providing personalized consultation on housing financing, savings and investments, investment real estate, loans and consolidation, life insurance, and property insurance. The firm delivers advice through personal consultations with a multi-disciplinary team of banking advisors, insurance brokers, and investment specialists, operating as a tied agent under the regulatory license of SAB servis s.r.o.

Product overview

Union Finance operates as a unified financial advisory service rather than a software product platform. The company offers a comprehensive suite of six integrated financial advisory services: housing financing, savings and investments, investment real estate, loans and consolidation, life insurance, and property insurance. These services are delivered through independent financial advisors who provide transparent, personalized advice to help clients achieve their life goals and prepare for retirement.

Differentiator

Problem solved

Functional benefit

Products and services

• Financování bydlení (Housing Financing) Advisory service helping Czech individual clients finance the purchase of new housing or improvements to existing property, including finding suitable financing solutions tailored to each client.
• Spoření a investice (Savings and Investments) Advisory service focused on building quality investment portfolios across three key areas to help Czech clients effectively grow their wealth.
• Investiční nemovitosti (Investment Real Estate) Real estate investment advisory services for Czech clients seeking to invest in property as part of their wealth-building strategy.
• Půjčky a konsolidace (Loans and Consolidation) Advisory assistance with selecting and setting up banking products, optimizing existing bank services so clients save and earn from everyday use of banking services, including debt consolidation.
• Životní pojištění (Life Insurance) Advisory services to help Czech clients select appropriate life insurance to ensure income protection and security for themselves and their loved ones.
• Majetkové pojištění (Property Insurance) Insurance advisory services to protect Czech clients' assets, valuables, and real estate against unforeseen circumstances.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• SAB servis s.r.o.coreChannel Partner/ Reseller/ DistributorUnion Finance operates as a tied agent (vázaný zástupce) for SAB servis s.r.o., an investment and consumer credit broker. SAB servis s.r.o. provides regulatory authorization for Union Finance to offer investment services under Law 256/2004 Coll., consumer credit under Law 257/2016 Coll., and insurance services under Law 170/2018 Coll. This partnership is essential for Union Finance's ability to provide regulated financial services in the Czech Republic. SAB servis s.r.o. is based at Jungmannova 748/30, 110 00 Prague 1.

Recent moves4 records

Broad incumbents

• Swiss Life Select Czech Republic: Subsidiary of Swiss Life Group offering independent financial advisory across investments, insurance, and mortgages in the Czech Republic. Comparable product breadth and independent positioning, backed by the broader European Swiss Life brand and scale.

Direct peers

• Broker Trust: Czech independent financial intermediary providing advisory on investments, mortgages, insurance, and consumer credit via a tied-agent advisor network. Closely comparable structure to Union Finance under the Czech regulatory tied-agent framework.
• Fincentrum & co. Czech independent financial advisory and brokerage firm providing advisory across investments, insurance, mortgages, and pensions to retail clients. Closely comparable in independent positioning, multi-product offering, and tied-agent/regulated intermediary structure in the Czech market.
• Partners Financial Services: Czech Republic's largest independent financial advisory network, offering multi-product advisory (banking, insurance, investments) through tied-agent advisors. Directly comparable business model, scale, and product breadth to Union Finance, but with national footprint and substantially larger advisor count.
• OVB Holding AG: European financial advisory group operating across CEE including the Czech Republic, providing cross-product (banking, insurance, investment) advisory through a tied-agent advisor network. Directly comparable multi-country advisor model with similar commission-based revenue structure.

Emerging players

• Finax (Czech operations): Slovak-origin robo-advisor with Czech operations offering low-cost automated investment advisory to retail clients. Represents the emerging digital advisory model competing for the same savings/investment advisory wallet as Union Finance.
• Portu (Portabo.cz): Czech robo-advisor offering automated investment portfolio management to retail clients at low fees. Competes for the same Czech retail savings/investment audience as Union Finance with a digital, low-cost model that pressures traditional advisor commissions.

Others

• SAB servis s.r.o. Licensed Czech investment and independent financial intermediary under whose regulatory umbrella Union Finance operates as a tied agent. Not a competitor but an enabling/regulatory counterparty whose license is the basis for Union Finance's regulated activities.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat2 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/UnionFinanceCZ
• LinkedInlinkedin.com/company/union-finance-s-r-o

Revenue estimate

Valuation estimate

Number of profiles

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 Union Finance