FALC Finance

What FALC Finance does

FALC Finance GmbH is a privately held German financial services brokerage headquartered in Hennef (Sieg), established in 2012 as part of the FALC Unternehmensgruppe. The company operates as a registered insurance broker (Versicherungsmakler under §34d GewO) and real estate loan broker (Immobiliardarlehensvermittler under §34i GewO), offering mortgage financing, follow-up financing (Anschlussfinanzierung), and property-related insurance products including building (Wohngebäudeversicherung) and household (Hausratversicherung) coverage. Its primary customer segments are private homebuyers and property owners across Germany, with a secondary segment of capital investors targeted through the Sorglos-Immobilie product — a turnkey investment offering in senior care facilities with KfW subsidies and 20-year rental guarantees.

The company generates revenue through three streams: insurance brokerage commissions embedded in policy premiums, transaction-based fees on mortgage placements, and fees from Sorglos-Immobilie property sales and financing arrangements. Distribution is built on a partner-advisor model: roughly 25+ independent insurance and financing advisors (Makler) operate under the FALC Finance brand across German cities including Berlin, Hamburg, Dortmund, Dresden, Erfurt, and Nuremberg, while the core staff of 1–10 employees manages operations and regulatory compliance from Hennef. The GTM motion is sales-led and referral-driven, leveraging the customer base of sister company FALC Immobilien, with online tools (financing calculator, interest comparison, consultation booking) providing top-of-funnel demand generation.

FALC Finance holds no proprietary technology platform; its operational backbone is human-advisory and license-based. Andreas Laarmann — also founder of FALC Immobilien — along with Daniel Fischer, Stefan Nölker, and Tobias Strack serve as managing directors. The firm maintains active regulatory registrations with IHK Bonn/Rhein-Sieg, participates in German consumer arbitration procedures, and operates within the broader FALC Group's integrated real estate, financing, and insurance ecosystem.

Name

FALC Finance

Legal name

FALC Finance GmbH

Website

https://falcfinance.de

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

FALC Finance GmbH is a German financial brokerage offering mortgage financing, follow-up financing, and property insurance to homebuyers and capital investors, operating via a partner-advisor network across Germany within the FALC Group.

Ownership category

akta.pro rank

Product category

Real Estate Financing and Insurance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Insurance Agencies and Brokerages (52421)

SIC

Loan Brokers (6163), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC), Debt & Structured Finance / Mortgage Brokerage (BPAJABAK)

Keywords

• Real estate financing
• Insurance brokerage
• Mortgage brokerage
• Follow-up financing
• Property investment

Headquarters

HQ city

Hennef

HQ country

Germany

HQ region

Europe

Offices25 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: FALC Finance acts as an insurance broker (Versicherungsmakler) and earns commission (Provisions-/Courtagezahlung) from insurance product providers (product creators/insurers) for successfully placed policies. This commission is included in the insurance premium and does not require direct payment from customers.
2. Real Estate Financing Services: FALC Finance provides mortgage and real estate financing services, earning commissions from financing products. The company is registered as an Immobiliardarlehensvermittler under §34i GewO, enabling them to broker mortgage loans.
3. Sorglos-Immobilie (Carefree Property) Investment: FALC Finance, in partnership with FALC Immobilien, offers 'Sorglos-Immobilie' carefree property investments in care/nursing facilities. Revenue is generated through property sales and financing arrangements for investors.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

FALC Finance GmbH is a German financial services broker that intermediates real estate loans (Immobiliardarlehensvermittler) and insurance policies (Versicherungsmakler) for individual homeowners, buyers, and property investors. The company earns commissions from lenders and insurers on successfully placed mortgage, follow-up financing, building insurance, and household insurance products, and additionally markets the Sorglos-Immobilie care-facility investment package. Customers are served through a nationwide partner-advisor network and the FALC Immobilien referral channel.

Product overview

FALC Finance is a financial services company offering a unified portfolio of real estate financing and insurance products. The core offering centers on Immobilienfinanzierung (property financing) as the primary service, supplemented by Versicherung (insurance) products including building and household insurance. A key distinctive offering is the Sorglos-Immobilie investment product, which provides turnkey care facility investments with full property management. Supporting tools include a Finanzierungsrechner (financing calculator), Zinsvergleich (interest rate comparison), and Anschlussfinanzierung (follow-up financing) services. The company operates as part of the FALC Group, integrating financing services with FALC Immobilien's property brokerage operations.

Differentiator

Problem solved

Functional benefit

Brands

• Sorglos-Immobilie: A care-free property investment product offering guaranteed rental income, property management, and 20-year rental guarantees for investors in senior care facilities.

Products and services

• Immobilienfinanzierung (Real Estate Financing) Brokerage of mortgage and real estate financing tailored to individual customer needs, covering purchase financing and Anschlussfinanzierung (follow-up financing) for German homebuyers and current property owners.
• Versicherungen (Insurance Brokerage) Insurance brokerage covering Wohngebäudeversicherung (building insurance) and Hausratversicherung (household contents insurance), providing protection for the family, the home, and other assets under German consumer protection requirements; operated under § 34d GewO Versicherungsmakler registration D-4ZTR-HJ0II-94.
• Sorglos-Immobilie (Carefree Property Investment) Turnkey real estate investment package in senior care and nursing facilities with professional property management, a 20-year rental guarantee, and access to KfW subsidies of up to €18,000 against a €120,000 KfW loan for eligible investors; marketed to German capital investors typically 10–25 years before retirement.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• FALC Immobilien GmbH & Co. KGcoreStrategic or Co-development Partner · 1 January 2012FALC Finance is an integral part of the FALC Unternehmensgruppe, working closely with FALC Immobilien to provide holistic services around property purchase. FALC Finance advisors serve customers referred by FALC Immobilien, offering financing and insurance services. This partnership provides FALC Finance exclusive access to FALC Immobilien's customer base of property buyers and sellers. Andreas Laarmann is founder of both FALC Immobilien and FALC Finance.
• KfW (Kreditanstalt für Wiederaufbau)minorOthersKfW provides subsidized loans and repayment grants (Tilgungszuschüsse) for qualifying property investments. FALC Finance offers Sorglos-Immobilie investments with KfW subsidies up to €18,000 for eligible buyers who take out a KfW loan of €120,000.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Interhyp: Germany's largest independent residential mortgage broker, offering bank-independent financing intermediation across the country. Direct competitor to FALC Finance's mortgage brokerage core, with significantly larger scale and proprietary technology.
• Baufi24: Digital-first German mortgage broker offering online rate comparison and financing advice. Direct competitor particularly relevant given FALC Finance's lack of proprietary technology.
• HUK-COBURG: Germany's largest insurance broker/cooperative network with strong property and household insurance products. Compares directly to FALC Finance's Versicherungsmakler operations and integrated property-insurance bundle.
• Dr. Klein: Established German mortgage and insurance broker (subsidiary of Hypoport). Competes directly with FALC Finance in residential financing intermediation and Bundled insurance products.

Broad incumbents

• TARGOBANK: German consumer bank with active mortgage lending and insurance distribution. Represents the direct-bank channel that competes with brokers like FALC Finance for Anschlussfinanzierung and new-purchase financing.
• Check24: Germany's leading consumer comparison platform with a significant mortgage and insurance brokerage vertical. Competes with FALC Finance on rate comparison and online lead conversion, but as a broad multi-product incumbent.
• Engel & Völkers Finance: International real estate brokerage group that has explored financing and insurance adjacencies. Comparable to FALC Finance in offering financing services alongside a core real estate brokerage franchise, exemplifying the integrated model.
• ING-DiBa: Large direct bank with competitive mortgage offerings in Germany. A key alternative to intermediated channels, competing with FALC Finance on Anschlussfinanzierung and rate aggregation.
• Verivox: Major German comparison portal for financial products including mortgages and insurance. Overlaps with FALC Finance's rate-comparison and intermediation offerings across both product lines.

Regional players

• Hausbank München (Planethome/Kern Real Estate): Regional German mortgage and real estate financing broker with a partner/advisor model structurally similar to FALC Finance's Makler network, though with smaller geographic reach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/falc-finance

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 FALC Finance