EFS
- Company typePrivate
- Founded-
- HeadquartersBerlin, Germany
- Headcount—
- GTM typeB2B
- OfferingSoftware
EFS firmographics
Firmographics- Name
- EFS
- Legal name
- EFS Deutschland GmbH
- Website
- https://efs.de
- Company type
- Private
- Operating status
- Operating
- Ownership category
- akta.pro rank
EFS industry classification
Industry- Product category
- Embedded Finance Platform
- NAICS
- Sales Financing (52222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- E-commerce & Digital Checkout Installment Financing (FSAKAFAC)
Keywords
Where EFS is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
EFS business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Installment Purchase Financing: EFS enables installers to offer customers installment purchase financing for solar systems, battery storage, heat pumps, and wallboxes. The company earns revenue through the financing arrangement, with customers paying structured monthly installments. Installers benefit from full payout after successful installation while EFS handles the financial risk.
- Factoring Services: In partnership with A.B.S. Global Factoring AG, EFS provides factoring solutions where the factoring partner handles infrastructure and regulatory compliance (BaFin-licensed). EFS serves as the technology platform, responsible for the application and customer service.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
EFS product offering
Product offeringCore offering
EFS provides an embedded financing platform that enables solar, heat pump, battery storage, and wallbox installers to offer installment purchase financing directly to their end customers during the sales conversation. The platform delivers instant credit decisions within seconds, digital contract processing, and full payout to installers after successful installation, while EFS (in partnership with BaFin-licensed A.B.S. Global Factoring AG) handles the financial risk and administrative work.
Product overview
EFS is a fintech platform specializing in embedded financing for renewable energy solutions. The core product is a PV and heat pump financing platform that enables installation companies to offer installment purchase and financing solutions directly in sales conversations. The platform integrates a 4-step process: proposal creation via an installment calculator, automated credit checking, digital contract signing, and payout processing. EFS operates as a subsidiary of the Enpal Group and partners with A.B.S. Global Factoring AG for factoring infrastructure, while providing the technology platform, application management, and customer service.
Differentiator
Problem solved
Functional benefit
Products and services
- PV & Wärmepumpen-Finanzierung (PV & Heat Pump Financing)
Quantifiable outcome
- Increases installer closing rates by up to 30%
- +2 more outcomes
Companies that use EFS
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
EFS technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability2 records
Feature3 records
EFS partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered flagship and core.
- VattenfallflagshipVattenfall, a leading European energy company serving approximately 13 million customers, partnered with EFS to integrate embedded finance solutions into their sales channels. The partnership enables Vattenfall customers to receive instant credit decisions for solar and heating solutions without separate bank applications. EFS was selected through a structured evaluation process based on financing capacity, regulatory compliance, and exclusive focus on the energy sector.
- A.B.S. Global Factoring AGcoreA.B.S. Global Factoring AG is a full-service factoring company providing infrastructure for EFS's factoring solutions. A.B.S. holds BaFin authorization for factoring and provides regulatory compliance, while EFS serves as the technology platform handling the application and customer service.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
EFS competitors and assessment
Company assessmentDirect peers
- Enpal: Enpal is EFS's parent company and Germany's leading solar leasing/installment provider, offering subscription-style solar and heat pump contracts directly to homeowners — directly comparable in product, geography, and customer profile.
- 1Komma5° (1point5 degrees): 1Komma5° is a fast-growing German residential energy company offering solar, heat pumps, batteries, and wallboxes with integrated financing — directly competing for the same installer and homeowner segments.
- Zolar: Zolar is a German online marketplace connecting homeowners to vetted solar installers, with integrated financing options — comparable in offering installer financing at the point of sale in Germany.
- Otovo: Otovo is a European residential solar subscription and installation provider operating across multiple European markets with financing/leasing built into the offering — highly comparable business model targeting the same end consumer need.
Emerging players
- SunRoof: SunRoof is a European full-roof solar and green energy installer active in Germany and other EU markets, offering integrated financing for PV plus heat pump bundles — comparable product breadth though at earlier scale.
- Greenely: Greenely is a Swedish/Nordic energy management fintech integrating smart meter data, dynamic tariffs, and energy services — adjacent in serving residential energy transition consumers with embedded financial tools.
Broad incumbents
- Enphase Energy: Enphase is a global solar microinverter and battery company that has expanded into financing programs for installers and end customers — a broader incumbent with overlapping capabilities in the home energy financing value chain.
- Sunrun: Sunrun is the largest US residential solar, battery, and energy services company with financing built into PPA/lease structures — comparable business model and customer journey, though operating in a different regulatory regime.
- Tesla Energy: Tesla Energy sells Powerwall, Solar Roof, and wall connectors with integrated financing/loans in selected markets — a broader incumbent with comparable bundle of energy transition assets.
Others
- Solarisbank (Solaris SE): Solarisbank is a German Banking-as-a-Service platform that powers many fintechs including energy and consumer lenders; EFS's MD Thom Rasser was formerly CFO there, and Solarisbank competes as enabling infrastructure for similar embedded finance use cases.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
EFS social profiles
Digital presenceEFS financial estimates
Financial estimateRevenue estimate
Valuation estimate
EFS leadership team
Management profileNumber of profiles
Profiles3 records
EFS funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
EFS M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about EFS
What does EFS do?
EFS provides an embedded financing platform that enables solar, heat pump, battery storage, and wallbox installers to offer installment purchase financing directly to their end customers during the sales conversation. The platform delivers instant credit decisions within seconds, digital contract processing, and full payout to installers after successful installation, while EFS (in partnership with BaFin-licensed A.B.S. Global Factoring AG) handles the financial risk and administrative work.
Is EFS a public or private company?
EFS is a private company. It is classified as corporate owned and is currently operating.
When was EFS founded?
EFS was founded in -1.
Where is EFS based?
EFS is headquartered in Berlin, Germany, in the Europe region.
How does EFS make money?
Two revenue lines are on record. Installment Purchase Financing is the primary driver. The others are factoring Services.
Who are EFS's main competitors?
Direct peers on record are Enpal, 1Komma5° (1point5 degrees), Zolar and Otovo. Emerging players are SunRoof and Greenely. Broad incumbents are Enphase Energy, Sunrun and Tesla Energy. Solarisbank (Solaris SE) is listed as an others.
Does EFS have an API?
No public API is recorded for EFS.
What industry is EFS in?
EFS's product category is Embedded Finance Platform. Its primary akta.pro industry code is FSAKAFAC, E-commerce & Digital Checkout Installment Financing. Its NAICS code is 52222 and its SIC code is 6141.