leading brokers united - credit & finance gmbh

What leading brokers united - credit & finance gmbh does

LEADING BROKERS UNITED – Credit & Finance GmbH is a specialized German insurance brokerage and financial advisory firm operating in the credit, surety (Kautionsversicherung/Avalkredit), and fidelity (Vertrauensschadenversicherung) insurance segments, with complementary factoring, forfaiting, project financing, and purchasing finance solutions. Founded in 2008 as see finance GmbH in Filderstadt, the company rebranded under its current name in 2023 and operates as part of GGW GROUP GmbH, one of the fastest-growing broker and assuradeur groups in the DACH region, where over 100 independent broker companies are bundled under the LEADING BROKERS UNITED umbrella brand.

The firm serves two primary customer tiers: German Mittelstand (mid-sized companies) seeking financial risk protection, liquidity optimization, and surety/bail bond coverage, and internationally operating corporations requiring complex credit insurance, multinational programs, and ECA-covered project financing. Its product portfolio is organized into three pillars: Absicherung (security) — credit insurance, surety/bail bond insurance, fidelity insurance, cyber, D&O, criminal legal protection, and ABS transactions; Finanzierung (financing) — factoring, forfaiting, project financing, and purchasing finance; and Beratung (advisory) — credit management systems, receivables management systems, credit information systems, debt collection, and financial communication services. Technically, the company uses Surecomp's RIVO platform for trade finance instrument management including bond applications, guarantee line utilization tracking, and document communication with banks, insurers, and counterparties.

The business model is primarily commission-based insurance brokerage under §34d Abs. 1 GewO, with compensation received either as agreed customer payment, commission embedded in the insurance premium from the insurer, or a combination of both, supplemented by professional services fees for project financing and consulting engagements. Pricing is quote-based and bespoke to each client's risk profile. Distribution is enterprise field sales through regional offices in Filderstadt, Hamburg, Zürich, and Waldburg, supported by inside sales and direct outreach. The entity has expanded through a series of acquisitions and subsidiary formations — fuchs-fm GmbH (2014), see finance Schweiz AG (2014), see finance Consulting GmbH (2016), DBS Bürgschafts- und Finanzierungsservice GmbH (October 2025), and Elke Erdmann GmbH (January 2026) — building a DACH-anchored platform serving clients in over 60 countries.

Name

leading brokers united - credit & finance gmbh

Legal name

LEADING BROKERS UNITED – Credit & Finance GmbH

Website

https://lbu-credit-finance.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

LEADING BROKERS UNITED – Credit & Finance GmbH is a German specialized insurance broker and financial advisor focused on credit, surety, and fidelity insurance plus financing solutions, serving German Mittelstand companies and international corporations across the DACH region.

Ownership category

akta.pro rank

Product category

Commercial Credit and Surety Insurance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

Corporate Finance Advisory (Strategic Finance, Capital Structure & Recaps) (FSAEAGAE)

akta.pro secondary industries

Corporate Finance & Capital Advisory (BPAHADAB), Specialty Finance / Structured Credit (FSANADAE)

Keywords

• Credit insurance brokerage
• Surety bond brokerage
• Fidelity insurance brokerage
• Trade finance solutions
• Accounts receivable finance

Headquarters

HQ city

Filderstadt

HQ country

Germany

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: The company operates as a Versicherungsmakler (insurance broker) with permission under §34d Abs. 1 GewO. Compensation comes as either agreed payment by the customer, as commission included in the insurance premium paid by the insurer, or as a combination of both. This depends on customer wishes and needs and the insurance products being brokered.
2. Financial Advisory and Consulting Services: Professional consulting for project financing, credit management systems, receivables management systems, and financial communication services. Activities are focused on sustainability for long-term securing of company financing with maximum flexibility.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

LEADING BROKERS UNITED – Credit & Finance GmbH is a B2B insurance and financial-services broker. It arranges credit, surety, and fidelity insurance and provides factoring, forfaiting, project financing, purchasing finance, credit and receivables management systems, credit information systems, debt collection, and financial communication services.

Product overview

LEADING BROKERS UNITED – Credit & Finance GmbH is a specialized insurance broker group offering a comprehensive portfolio of credit, surety, and fidelity insurance products along with financing solutions and advisory services. The core offering consists of three main product pillars: (1) Security/Absicherung covering credit insurance, surety/bail bond insurance, fidelity insurance, cyber insurance, D&O insurance, criminal legal protection, and ABS transactions; (2) Financing/Finanzierung including factoring, forfaiting, project financing, and purchasing finance; and (3) Advisory/Beratung encompassing credit management systems, receivables management systems, credit information systems, debt collection, and financial communication. The group operates as a unified entity comprising the main company (formerly see finance GmbH, rebranded 2023), see finance Consulting GmbH (factoring activities), fuchs-fm GmbH (insurance brokerage), see finance Schweiz AG (Swiss operations), and acquired entities DBS Bürgschafts- und Finanzierungsservice GmbH and Elke Erdmann GmbH. The company is part of the GGW GROUP and LEADING BROKERS UNITED umbrella brand, which unites over 100 independent broker companies.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Insurance (Kreditversicherung) Commercial insurance that protects companies from customer insolvency or non-payment and supports new-customer and supplier-credit decisions. The offering includes commodity credit insurance, investment-goods insurance, challenge insurance, and single-buyer coverage.
• Surety and Bail-Bond Insurance (Kautionsversicherung | Avalkredit) Insurance that provides guarantees, warranties, and bonds required for contract awards and performance, particularly in mechanical engineering, plant construction, and construction. It includes deposit, contract-performance, warranty, bid, customs, rental, and reclamation bonds.
• Fidelity and Dishonesty Insurance (Vertrauensschaden-Versicherung) Insurance protecting company assets from unauthorized actions by trusted persons, including embezzlement, fraud, theft, sabotage, unauthorized IT interference, and disclosure of trade secrets.
• Factoring (Forderungsverkauf) A secured receivables-sale and processing service that converts eligible receivables into liquidity for companies.
• Forfaiting (Forfaitierung) Assignment of receivables or project securities, protected against receivable default, to a forfaiting institution so a company can sell receivables without recourse and generate immediate liquidity.
• Project Financing (Projektfinanzierung) Financing solutions for projects, primarily in mechanical engineering, plant construction, and traditional construction, using investment-goods credit insurance as security.
• Purchasing Finance (Einkaufsfinanzierung) Commodity-purchasing financing that extends payment terms through intermediaries, preserving company liquidity and increasing financial flexibility.
• Credit Management Systems (Kreditmanagementsysteme) Technical solutions supporting credit and surety-line management, including Surecomp's RIVO platform, to save processing time, reduce costs, and optimize the use of surety lines.
• Accounts Receivable Management Systems (Forderungsmanagementsysteme) Systems offered by credit insurers to manage credit-insurance policies, including insurance-limit applications, contract components, and claims processing.
• Credit Information Systems (Bonitätsinformationssysteme) Credit-information systems that structure, weight, assess, and process information flows to improve customer selection and identify business potential and risks.
• Debt Collection (Inkasso) Debt-collection service integrated with credit insurance to pursue overdue receivables and obtain compensation before the non-paying customer becomes insolvent.
• Financial Communication (Finanzkommunikation) Organization, coordination, and moderation of discussions with banks, factoring companies, and credit and surety insurers, including joint preparation with clients.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Partnerships

Seven partnerships are on record, tiered core and major.

• GGW GROUP GmbHcoreStrategic or Co-development Partner · 1 January 2021Parent company group. In 2021, the company joined GGW GROUP GmbH, one of the fastest-growing broker and assurer groups in the DACH region. GGW GROUP bundles over 100 broker companies under the LEADING BROKERS UNITED brand.
• See Finance GmbHcoreStrategic or Co-development PartnerOriginal company founded in 2008, specialized in surety insurance (Avale), credit insurance, trust damage insurance, project protection, and financing (e.g., forfaiting). Renamed to LEADING BROKERS UNITED – Credit & Finance GmbH in 2023.
• See Finance Schweiz AGcoreStrategic or Co-development PartnerFounded in 2014 in Zürich to serve Swiss companies. Develops solutions for project and forfait financing under ECA coverage and leasing transactions in cooperation with AIL Structured Finance Ltd.
• See Finance Consulting GmbHcoreStrategic or Co-development PartnerFounded in 2016 to bundle financing and consulting activities, particularly in the factoring area. Thomas Strohmer serves as Managing Director.
• fuchs-fm GmbHcoreStrategic or Co-development PartnerAcquired in 2014, a long-established specialist broker in the industry. fuchs-fm GmbH expands the company's know-how, service, and portfolio spectrum.
• DBS Bürgschafts- und Finanzierungsservice GmbHmajorStrategic or Co-development PartnerAcquired in October 2025. Founded in 2005 by Sascha Roloff, active in Hamburg, Berlin, and Leipzig with expertise in surety/bailment, credit insurance, and property insurance.
• Elke Erdmann GmbHmajorStrategic or Co-development PartnerAcquired in January 2026. All company shares and complete contract portfolio were taken over, further expanding the company's portfolio.

Scale indicators5 records

Recent moves10 records

Expansion highlights5 records

Broad incumbents

• Marsh GmbH (Germany): German arm of global broker Marsh; offers credit, surety, and trade-credit insurance placement to corporate clients including mid-market, overlapping with LBUCF's target segments though at much larger scale and broader product portfolio.
• Aon Germany: Global broker with significant German mid-market presence; provides credit insurance and surety placement, risk advisory, and financing-related solutions, competing for the same Mittelstand mandates as LBUCF but as a full-line incumbent.
• Willis Towers Watson (WTW) Germany: Global advisory and broker with German operations covering credit insurance, surety, and corporate risk; comparable customer base in mid-market and corporate segments but with much broader capabilities.
• Allianz Trade (Euler Hermes Deutschland): Germany's leading credit insurer under the Allianz group; competes with broker-arranged placements via direct relationships with large corporate clients and is a primary carrier partner for LBUCF — comparable customer outcomes though different business model.

Direct peers

• Funk Gruppe: Hamburg-headquartered independent German family-owned insurance broker offering industrial and credit insurance, surety, and risk advisory to Mittelstand — a very direct peer in size, ownership structure, and specialization focus.
• Ecclesia Gruppe: Largest German independent insurance broker; offers credit, surety, and specialty insurance for mid-sized and large corporate clients — closely comparable in client segment and service mix, but with greater scale.
• MRH Trowe: Frankfurt-based independent German insurance broker specializing in industrial, credit, and surety insurance for Mittelstand and corporate clients — direct competitor in the same niche and customer segment.
• Coface Deutschland: German operation of leading credit insurer Coface; directly involved in credit insurance underwriting and broker relationships — not a broker per se, but the primary carrier relationship counterparty for LBUCF's credit insurance business and a competitor for direct corporate mandates.

Emerging players

• R+V Versicherung: German cooperative insurer with growing surety/bail bond business and broker partnerships; competes for commercial surety mandates where LBUCF places business, particularly with German Mittelstand.
• AIL Structured Finance Ltd. Swiss partner for project and forfait financing under ECA coverage and leasing transactions; overlaps with LBUCF's see finance Schweiz AG activities and represents a comparable niche financing intermediary in adjacent territory.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCruLy_4V_IUbXb8v_gHL0Kg
• LinkedInlinkedin.com/company/lbu-credit-finance

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries5 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 →

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