dfp Service GmbH

What dfp Service GmbH does

dfp Service GmbH (operating as DFP – Die Finanzierungs Partner) is a German private limited liability company founded in 2015 and headquartered in Dreieich near Frankfurt. The company operates a B2B2C point-of-sale and online consumer financing platform that connects 450+ SMB trading partners in Germany and Austria with partner banks, primarily institutions from the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. Its core technology, KrediTool, is a web-based application and decisioning platform that issues 24/7 credit decisions in seconds using a Schufa-co-developed, bank-configurable scorecard; integrations route approved applications to partner banks and to APRIL Deutschland AG for optional rate protection insurance. Two named financing models segment the book: a 'Klassischer Handel und Dienstleistungen' product for retail and service businesses (up to EUR 30,000, 72 months), and a 'Rund ums Haus' product for home improvement merchants selling photovoltaic, battery storage, and heat pump installations (up to EUR 50,000, 15 years, with partial merchant disbursement before project completion).

DFP's business model is a transaction-based take-rate on financed volume; merchants receive immediate payment while end customers repay the partner bank in installments, and the service is free of charge and risk for the merchant side. The relationship with the cooperative banking group, established in 2016, is reflected in DFP's shareholder structure, making the banks both distribution partners and equity participants. Go-to-market is direct B2B partner acquisition complemented by a company website with an online cooperation request form and a LinkedIn presence for employer branding. Management consists of three managing directors (Taner Doburacilar for cooperations, Marc Christian Failing for finance and operations, Dr. Bernhard Pszola) plus a sales lead (Aline Wilhelm). Cumulative inquiry volume through the platform exceeds EUR 400 million; no revenue, funding, headcount, or M&A figures are disclosed.

Name

dfp Service GmbH

Legal name

DFP Service GmbH

Website

https://dfp-service.de

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

dfp Service GmbH is a German B2B2C consumer financing platform connecting 450+ SMB merchants in Germany and Austria with cooperative bank partners via its KrediTool web platform, providing instant credit decisions and serving retail, services, and home improvement (PV, heat pumps) verticals.

Ownership category

akta.pro rank

Product category

Point-of-Sale Consumer Financing

NAICS

Sales Financing (52222)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Marketplace / Multi-Lender POS Financing Aggregators (FSAGAIAJ)

akta.pro secondary industry

Vertical-Specific POS Financing (e.g., Healthcare, Auto, Home Improvement) (FSAGAIAK)

Keywords

• Point-of-sale financing
• Consumer credit platform
• Installment lending
• Credit intermediation services
• Merchant financing solutions

Headquarters

HQ city

Dreieich

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Point-of-Sale Financing Commission: Facilitates installment financing between trading partners (merchants) and bank partners. Earns transaction-based fees for processing consumer credit applications. Service is free for merchants; the financing occurs between the customer and the cooperating bank.
2. Bank Partnership Services: Provides banks access to consumer financing products through DFP's platform and trading partner network, generating fees for new business acquisition in point-of-sale financing and consumer credit.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

dfp Service GmbH operates KrediTool, a digital financing platform that enables merchants to offer consumer credit at the point of sale and routes applications to partner banks of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken for underwriting and disbursement. The service is offered free of charge to more than 450 trading partners and supports two financing models: Klassischer Handel und Dienstleistungen for classic trade and services purchases, and Rund ums Haus for home improvement projects such as photovoltaics and heat pumps.

Product overview

DFP Service GmbH operates as a B2B financing-as-a-service platform serving retail trade partners, banks, and end consumers across Germany and Austria. The core offering centers on KrediTool, a web-based financing application and decisioning platform that enables instant 24/7 credit decisions through a jointly developed SCHUFA scorecard. Two named financing models address distinct market segments: the 'Klassischer Handel und Dienstleistungen' model targets classic retail and service businesses with installment financing up to €30,000 over up to 72 months, while the 'Rund ums Haus' model addresses home improvement merchants offering photovoltaic, battery storage, and heat pump solutions with financing up to €50,000 over up to 15 years including partial disbursement capabilities. Bank partners access the platform to offer sales financing and consumer credit products without additional distribution costs.

Differentiator

Problem solved

Functional benefit

Products and services

• KrediTool

Quantifiable outcome

• 24/7 credit decision capability
• +3 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature2 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Genossenschaftliche FinanzGruppe (Volksbanken Raiffeisenbanken)coreChannel Partner/ Reseller/ Distributor · 1 January 2016Strategic partnership since 2016 with banks from the cooperative financial group. DFP provides technology platform and access to merchant network for consumer financing products. The partnership is reflected in DFP's shareholder structure. Banks benefit from new business acquisition without additional sales costs.
• TeylorminorStrategic or Co-development PartnerTeylor is listed as a partner for commercial financing for small and medium enterprises (KMU) that cannot be realized through DFP. Teylor offers one of the fastest and simplest paths to commercial financing through fully automated analysis and digital processes.
• SchufacoreTechnology or IntegrationCollaboratively developed scoring model with Schufa (Germany's leading credit bureau). The scorecard is configurable by bank partners for their own risk parameters, providing accurate and reliable credit decisions.
• APRIL Deutschland AGminorOthersAPRIL Deutschland AG is the partner for rate protection insurance (Ratenschutz). When customers opt for rate protection, relevant personal data is transmitted to APRIL for the completion of the installment purchase protection.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• Scalapay: European BNPL provider offering installment payments at checkout across multiple countries. Comparable category (BNPL/POS financing) but focused on Italy/France/Spain rather than DACH, and more direct-to-consumer brand-led.
• Teylor: Swiss/German digital SME financing platform offering automated commercial credit decisions. Already a DFP referral partner for commercial financing that DFP does not underwrite; comparable in digital-first credit workflow but focused on SME rather than consumer POS financing.

Direct peers

• payolution (Klarna Group): Vienna-based POS financing/BNPL provider (originally Austrian, now part of Klarna) serving merchants in DACH with installment and payment-by-invoice products. Highly comparable given shared DACH focus and merchant-funded POS financing model.
• Ratepay: Berlin-based B2B BNPL/payment platform serving merchants in Germany and other European markets with installment and invoice payment methods. Closest comparable in business model (multi-merchant, multi-bank/multi-method POS financing) and DACH focus.
• Riverty (Arvato Financial Solutions): Bertelsmann-owned BNPL and consumer credit platform operating across Europe, including Germany. Direct comparable in B2B2C installment financing for merchants, with broader geographic and product footprint.

Others

• Solaris SE: Berlin-based Banking-as-a-Service platform enabling businesses to embed financial products, including credit, into their offerings. Comparable as a German fintech infrastructure layer adjacent to DFP's lending-aggregator model.

Broad incumbents

• Consors Finanz (BNP Paribas Personal Finance): German consumer credit arm of BNP Paribas Personal Finance, offering installment loans and POS financing at scale through retail and e-commerce partners. Comparable product set but embedded within a much larger balance-sheet bank.
• Santander Consumer Bank: German subsidiary of Santander Consumer Finance, active in consumer credit, auto financing, and POS/installment lending through retail partnerships. Bank-led incumbent with overlapping merchant POS financing products.
• Klarna: Global BNPL leader with significant German merchant penetration. Comparable category but at vastly larger scale, with direct-to-consumer and direct-to-merchant offerings that overlap DFP's POS financing use cases.
• Targobank: Major German consumer and commercial bank with a substantial POS/installment credit business through retail partnerships. Represents a bank-led incumbent alternative to DFP's intermediated model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/dfp-service-gmbh

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 dfp Service GmbH