This article showcases our top picks for the best Germany based Finance companies. These startups and companies are taking a variety of approaches to innovating the Finance industry, but are all exceptional startups and companies well worth a follow.
We tried to pick companies across the size spectrum from cutting edge startups to established brands.
We selected these startups for exceptional performance in one of these categories:
- Innovative ideas
- Innovative route to market
- Innovative product
- Exceptional growth
- Exceptional growth strategy
- Societal impact
Top Germany Finance Companies
Rocket Internet incubates, builds, develops operationally and strategically invests in internet and technology companies globally. It provides operational support to its companies and helps them scale internationally.
Rocket Internet’s selected companies are active in a large number of countries around the world.. .
N26 offers mobile banking solutions to customers in the European Union through its subsidiary. It provides international money transfer, investment, overdraft, and cash withdrawal and deposit at stores.
N26 provides mobile banking services for customers. Its mobile banking services offer online banking that include making and handling of current accounts, fixed accounts, and other banking services, letting customers manage and control their banking details via a smartphone application easily.
Maximilian Tayenthal and Valentin Stalf founded Papayer in February 2013, which later became N26, with its headquarters in Berlin in Germany.. .
ATAI Life Sciences
ATAI is a global biotech company builder that leverages a decentralized, technology- and data-driven platform model to serve millions of people suffering with mental health disorders. We are committed to acquiring and efficiently developing innovative treatments that address significant unmet medical needs and lead to paradigm shifts in the mental health space.
By pooling expertise, best practices, and resources across our entire portfolio, we mitigate risk and responsibly accelerate the development of impactful and evidence-based therapies.. .
Taxdoo is a startup that bills itself as a compliance platform for the digital economy. Its platform collects relevant data from marketplaces, online shops, and ERP systems on a daily basis and processes it in line with international VAT regulations, respective of financial authorities through an international network of VAT experts, which can then be transferred into financial accounting systems.
The company was founded in 2016 and is headquartered in Hamburg, Germany.. .
1inch is a liquidity aggregator and a decentralized exchange with smart routing. It connects a large number of decentralized and centralized platforms in order to minimize slippage and find the best price for the users.
The synergetic effect of its smart contract is substantially beneficial to the Ethereum community.. .
Solactive has grown to be one of the market leaders in the indexing industry. The German index provider focuses on tailor-made indices across all asset classes, which are developed, calculated and distributed worldwide.
Offering a faster service with great flexibility and at a reasonable cost has allowed Solactive to become one of the fastest growing index providers over the past few years.. .
Trade Republic is a mobile-only and commission-free broker that brings the opportunity to invest easily. The company works as a broker for a new generation for a more mobile, more intuitive, faster – and permanently free of commission.
Trade Republic was founded in 2015 and based in Berlin, Germany.. .
Raisin is a savings and investment marketplace that connects retail customers with banks looking to expand deposit reach. The company’s goal is to provide savers the best interest rates.
The company gives access to exclusive savings products from all over Europe. Raisin assures a smooth investment process and the simple management of investments with all of the partner banks via one single platform.
Raisin was founded on 2012 and is headquartered in Berlin, Germany.. .
smava, one of the credit comparison portals in Germany, continued the strong growth path of previous years in 2019: The brokered loan volume grew by 35% from around EUR 2 billion in 2018 to around EUR 2.7 billion. Likewise, smava grew again significantly in the first quarter of 2020: smava was able to increase the loan volume brokered by 45% compared to the same quarter of the previous year to approx.
EUR 900 million. In total, smava has already brokered more than 8 billion euros in loans..
Deutsche Bank is a global investment bank. Deutsche Bank is the leading German bank with strong European roots and a global network.
In a fundamental transformation the bank focuses on its core strengths in a newly created Corporate Bank, a leading Private Bank, a focused investment bank and in asset management. They provide banking services to companies, governments, institutional investors, small and medium-sized businesses and private individuals.
Deutsche Bank was founded in 1870 to accompany German businesses into the world. They have worked across borders ever since..
Monedo’s Group’s mission is to improve financial freedom for the underbanked with the use of technology. Combining non-traditional data sources and machine learning, the company is aiming to provide access to better credit and a higher convenience for digital banking services.
The product offerings include consumer loans, a digital wallet and a personal finance manager designed to help customers manage their credit score and plan their spending. Monedo also offers a “Lending as a Service” model, allowing partners to integrate Monedo’s credit products via an API into their own platform and services.
Founded in 2012 and headquartered in Hamburg, Germany, Monedo covers more than 5 markets worldwide, amongst others Russia, Mexico, Spain and Poland. Up until now, the company has processed more than four million loan applications through its subsidiaries.
Monedo’s team of more than 350 people is led by CEO and Co-Founder Alexander Graubner-Müller and is financially backed by world-class investors including PayU, J.C. Flowers, Peter Thiel, and the World Bank’s IFC..
Spotcap empowers SMEs with tailored finance, allowing them to focus on their business. The company operates as a direct lender to SMEs in the United Kingdom, the Netherlands, Spain, Australia and New Zealand where they offer promising businesses access to flexible finance.
Spotcap’s online application is straightforward and can be completed in as little as five minutes, either online or in collaboration with a financial advisor, broker or accountant. Spotcap was founded in 2014 and is headquartered in Berlin..
Liqid Investments was established in February 2015 by an internationally experienced five-member founding team. At the core of Liqid is an intuitive digital platform.
Liqid combines the expertise, investment instruments and terms available to leading family offices, and makes them available to a new generation of successful entrepreneurs, professionals and other affluent individuals. The investment strategies available on the company’s mobile, digital solution were developed in collaboration with HQ Trust, one of the oldest and largest multi-family offices in Europe.
In addition, Liqid has partnered with the Berlin-based early-stage investment fund Project A Ventures. Following a pilot phase with selected customers Liqid plans to launch its service in spring 2016.
The team is based in Berlin.. .
FinCompare – Smarter Business Finance
FinCompare was founded by Stephan Heller and is a fintech startup that helps businesses to find, compare, and close the financing solutions. Via the online platform, companies can access a wide range of financing options.
They can independently compare offers from well-known banks, fintechs, and alternative financial services providers in Germany and close the financing. The company also offers a convenient one-stop destination for all financing questions relating to the company.
FinCompare financing solutions including corporate loan, factoring, company leasing/hire purchase, warehouse financing, fine trading/purchase financing, and mezzanine capital. It simplifies the financing process with its digital application process and can thus provide your company financing.
The company allows SMEs to receive and compare various offers for loans. FinCompare was founded in October 2016 by Stephan Heller and is headquartered in Berlin, Germany..
FinTecSystems (FTS) was founded in Munich in 2014 and is one of the leading banking API and smart data providers in Germany. Alongside the Open Banking platform that the company uses to provide Account Information and Payment Initiation Services, FinTecSystems has primarily focussed on the analysis of financial data through an analytics platform.
Banks, FinTechs and payment service providers use FinTecSystems’ solutions to make real-time loan decisions, minimize credit risks and initiate online transfers. In March 2019, TÜV-certified FinTecSystems received BaFin authorization as an Account Information and Payment Initiation Service Provider.
With 40 staff across five locations, FTS partners include N26, Santander, DKB and Deutsche Handelsbank.. .
APX is an early-stage startup investor and accelerator in Berlin backed by Axel Springer and Porsche. Investing across sectors, APX is looking for ambitious founding teams with scalable, digital ideas and global aspirations to support them in becoming successful venture companies.
Since 2018, APX has invested in more than 60 companies from 20 different countries together with more than 100 co-investors.. .
Bonify, a Berlin based FinTech-Start-up, enables customers to benefit from their credit scoring and financial data. The company gives customers free and easy access to their credit score and let them upload additional relevant data.
Then, it offers tools and personalized recommendations to help optimize the customer’s financial situation. Founded in 2015 by key executives of McKinsey and Zalando, bonify has received significant funding from internationally leading VCs and successful entrepreneurs..
Daimler is an automotive company that produces premium cars and commercial vehicles with a global reach. With its divisions Mercedes-Benz Cars, Daimler Trucks, Mercedes-Benz Vans, Daimler Buses, and Daimler Financial Services, the Daimler Group is one of the biggest producers of premium cars and the world’s biggest manufacturer of commercial vehicles with a global reach.
The company’s founders, Gottlieb Daimler and Carl Benz, made history with the invention of the automobile in the year 1886. As a pioneer of automotive engineering, Daimler continues to shape the future of mobility today: The Group’s focus is on innovative and green technologies as well as on safe and superior automobiles that appeal to and fascinate.
Daimler consequently invests in the development of alternative drive trains with the long-term goal of emission-free driving: from hybrid vehicles to electric vehicles powered by battery or fuel cell. Furthermore, the company follows a consistent path towards accident-free driving and intelligent connectivity all the way to autonomous driving.
This is just one example of how Daimler willingly accepts the challenge of meeting its responsibility towards society and the environment.. .
Carl allows small and medium-sized companies and their advisors to find an acquirer or investor. Through a managed marketplace-approach, it enables a confidential channel to approach new investors and transact efficiently, easily and expand the reach in M&A processes.
On the other hand, it allows investors to substantially increase relevant deal flow and access opportunities, they otherwise would have missed. Furthermore, dedicated software allows for an efficient administration and processing of M&A deals.
Carl caters to firms with revenues between $1M to $100M and is based in Berlin, Germany.. .
FINANZCHECK.de is an independent consumer loan technology platform that enables German consumers to compare their personal loans and private financial products. The platform gives its customers visibility on all loans available covering the complete value chain from customer acquisition to credit scoring and ultimately contract signing.
In addition, Finanzcheck offers B2B2C white label and B2B consumer financing technology solutions for brokers and banks. The company receives funding from Acton Capital Partners, HarbourVest Partners, TA Ventures, HarbourVest Partners, Acton Capital Partners, and various other investors..
Vantik is a 2017 launched, Berlin-based PensionTech startup. Their vision is a simple and secure private pension that is as flexible as life itself, their mission is to inspire millennials saving for their future.
They are currently in their Seed phase, looking for highly motivated and inspiring team members who want to become part of a cool, motivated, and diversified team in the heart of Berlin.. .
figo aggregates financial sources from over 3,100 banks and financial institutions to enable innovative services. As Europe’s first “Banking Service Provider” figo is PSD2 ready! figo’s sophisticated platform ‘Banking as a Service’ connects modern services with more than 55 million online banking accounts in Germany and Austria.
The company is targeting the Single Euro Payments Area (SEPA) in total. Furthermore figo has set up a new connectivity standard to financial data and reduces complexity of banking implementation to a minimum figo makes banking usable wherever it adds value and creates new touch points between consumers and their partners startups and banks! figo realized the opportunities arising from PSD2 accompanied by changing customer expectations.
figo does not only provide an established banking API, but also an entire banking service platform supporting a vast number of innovative banking solutions (incl. access to bank account)..
Traxpay financing platform, companies have the opportunity to give their suppliers access to all relevant forms of financing such as dynamic discounting, reverse factoring and factoring. Venture-backed by global leaders in banking, payments, FinTech, and enterprise software, Traxpay offers a turnkey solution for supply chain financing and payment transactions.
Their cloud-based B2B platform provides secure, regulatory-compliant financial process automation with partner banks and their corporate clients. Traxpay is based in Frankfurt, Germany and has a fast-growing subsidiary, Traxpay, in Los Angeles, California..
COMPEON is Germany’s leading financing portal for SMEs. Companies can obtain tailored offers from various financing partners for their planned projects by submitting a query free of charge at www.compeon.de.
COMPEON works with more than 220 banks, leasing companies and special providers and handles financing enquiries with a total volume of €2.5 billion every year. In addition to credit, loans and leasing agreements, the firm brokers also factoring and alternative financing products – such as mezzanine capital, purchase and project financing or private debt.
The fintech company has been on the market since 2013. In addition to its three founders and managing directors Kai Böringschulte, Dr Nico Peters and Dr Frank Wüller, COMPEON is owned by DvH Ventures, b-to-v and Tengelmann Ventures..
BITA is the world’s first provider of end-to-end infrastructure for index-based and systematic investing. BITA’s platform allows institutional clients to flexibly design, backtest, calculate and benchmark investment strategies and indexes without having to rely on traditional index solutions, multiple data vendors and complex internal tools.
BITA was founded in 2018 and is headquartered in Frankfurt, Hessen.. .
Brickblock is the creator of ScalingFunds.com. The SaaS solution enables fund managers and GPs to raise capital from LPs more efficiently and scale from local to global distribution.
Moreover, it allows a more efficient fund administration and helps to reduce costs by up to 70%. Brickblock reduces the time for clearing and settlement of trades on a secondary market from weeks to minutes.
A fast and global secondary market for fund shares raises the attractiveness of all alternative investment funds. While the initial focus on Real Estate funds, the technology is agnostic to the investment class and can process Infrastructure, Private Equity, Private Debt and Hedge Funds.
Brickblock is trusted partner of Sanne Group and JTC Group totalling over €350bn assets under service and was one of the first to get a Security Information Sheet approved by BaFin, the financial regulatory authority for Germany.. .
Finanzchef24 is Germany’s first online broker and comparison platform for business insurance. Whether it is a physiotherapist, a self-employed IT-consultant or a lawyer – every business is different and requires an individual risk analysis to cover all its potential company risks.
To make this process as easy as possible Finanzchef24 offers an innovative digital service for small and medium-sized enterprises by combining the benefits of robo-advice and traditional advice into an effective hybrid solution: The customer can use online self-service to determine his individual need of insurance or get personal phone-based consulting with an in-house insurance expert. With its proprietary technology, Finanzchef24 makes it possible to compare and buy insurance coverage almost instantaneously, thus rendering manual underwriting obsolete.
In order to achieve this Finanzchef24 created a dynamic rules engine that queries all company-specific factors directly to determine the individual need of insurance. In the second step, the algorithm compares the results with all available insurance rates, selects suitable offers and provides the user with custom-fit business insurance quotes.
Finanzchef24 works directly with 46 business insurers in Germany, serving over 40.000 clients. The Munich based insurtech start-up ranked number 1 fast-growing company on “FOCUS Wachstumschampions” list 2019 in the category “Financial Services” and is a two-time winner of the Deloitte Technology Fast 50 Award..
The NAGA Group
The NAGA Group provides personal finance and investment products under the brand name NAGA and under NAGA Markets and NAGA Global which are authorised by CySEC and St. Vincent respectively.
NAGA powers thousands of investors and traders within its socially-enhanced financial system. With its synergistic all-in-one approach NAGA combines and unifies trading, investing, transacting and community across both fiat and crypto.
NAGA’s sole purpose, to make the world of personal finance and investment more accessible and open.. .
Companisto is an equity crowdinvesting platform for startups. It enables investors to participate in the funding of companies with an investment of their choice, and in return share profits and increases in value of the startup or property.
Companisto is the investment platform for startups and growth companies. Business angels and investors participate in groundbreaking innovations, promising companies, and ideas that write history through venture capital.
As a fintech company, they stand for lean processes, specialized knowledge, and efficient solutions. They are the driver of innovation in the field of professional online corporate finance.
In a diverse society, they assume responsibility for the founding culture in Germany and Europe.. .
CRX Markets AG
CRX Markets is Europe’s leading marketplace for working capital financing. By trading receivables and payables, you can optimize your cash flow through our global marketplace.
You can draw on a diversified liquidity pool across all our products. Our focus today is working capital finance for mid to large cap businesses operating on a global scale.
Based in Munich, Germany, CRX Markets was founded in 2012. Today, our international team drives the on-going development of the marketplace and the onboarding of additional clients and investors..
flatex AG (WKN: FTG111, ISIN: DE000FTG1111, Ticker: FTK.GR) operates one of the leading and fastest growing online brokerage businesses in Europe. Executing round about 12.5 million customer’s securities transactions paperless per annum.
Offering their more than 300,000 B2C customers top services at a competitive pricing based on their modern, self-developed state-of-theart technology. Many B2B customers, the state infrastructure and established financial services companies as well as disruptive businessideas benefit from flatex’ white label banking technology and become quickly successful businesses due to the self-developed core banking system (FTG:CBS) that belongs to the most modern and most modular systems in the market – the standard platform for private and specialist banks.
In times of bank consolidation, low interest rates and digitalisation, flatex isideally positioned forfurther growth and well on its way to becoming Europe‘sleading provider of financial technology.. .
savedroid is the first AI saving & spending algorithm in Europe conveniently optimizing users’ lifestyle. Their free mobile app enables users to save up for their wishes without even thinking about saving.
They create significant economic value for mass market users through automated savings AND situational relevant spend optimization. Their self-learning AI algorithm analyzes users’ checking accounts, identifies saving potential and automatically transfers these savings to their users’ savings account managed by their partner bank Wirecard.
Moreover, their self-learning AI algorithm automatically identifies saving potential for services such as utilities, cell, banking, insurances etc. and offers convenient and fast in-app contract switching via their B2B partnerships with Check24, Drillisch, Freenet, 1822direkt etc.
savedroid earns recurring high margin affiliate revenues from B2B partners trough AI based lead generation in the categories of contract optimization, affiliate shopping, and consumer lending. Their AI analyzes a significant depth of financial and behavioral data enabling savedroid to anticipate users’ purchase decisions and proactively recommending situational relevant saving opportunities which help their users to reach their wishes even faster.
Their data intelligence makes them the perfect match maker for an amplitude of situational relevant and recurring high margin B2B affiliate sales opportunities.. .
finleap is Europe’s leading fintech ecosystem, based in Berlin with offices in Hamburg, Frankfurt, Munich, Milan, Madrid and Paris. finleap offers fintech SaaS solutions to various enterprises and builds stand-alone fintech companies.
Founded in 2014 by IONIQ Group and Ramin Niroumand, finleap has already developed 17 ventures with its infrastructure and added others by acquisition to its ecosystem. These include companies such as Solarisbank, the technology platform with a banking license, ELEMENT, a fully digital insurer, and PAIR Finance, a provider of data-based receivables management.
finleap provides access to seed capital, a network of investors and experienced entrepreneurs as well as customers and top talents. The finleap group employs over 1,300 people from 80 nations..
Slock.it disrupts the billions dollar disruptors by enabling anyone to rent, sell or share their property without middleman. With Slock.it, the unused bicycle in the shed gets a new lease on life.
Parking spots can be sublet on demand. Airbnb apartments become fully automated.
Slock.it bridges the blockchain and the physical world by making smart contracts enforceable: It’s the future infrastructure of the Sharing Economy. Build by members of team that raised $18.9m for Ethereum, Slock.it “simultaneously cracks the challenge of trusting strangers in the sharing economy while ripping up the rulebook for how those same platforms make their money” (source: Nesta) Leveraging blockchain nodes embedded in connected cars, homes, shared white goods, etc, Slock.it strives to improve the experience of sharing items by: – Making trusting the other party as unnecessary as possible – Handling secure direct P2P payments – Providing a mechanism of deposits, and eventually, full blown insurance – Freeing the users from having to coordinate with each other to hand over keys – Enabling both owners and renters to find each other – Supporting almost any objects including cars, lockers, apartments, sheds, office space, etc.
And because it’s build on top of the Ethereum blockchain, Slock.it is always on, suffers no downtime, features cryptographic security by default, requires no login or signup, and can be audited by anyone. Slock.it is privately funded..
iFunded is the new online market place for global online real estate investments using the state of the art technology. iFunded makes real estate investing highly accessible, simple, transparent and affordable.
Private & institutional Investors can invest alongside experts from the real estate industry and participate in the development of selected real estate projects and generate high returns. Real Estate Developers get access to an alternative financing opportunity.
In addition they can increase public awareness in the early phase of their project and profit from the marketing effect on the platform of iFunded. iFunded accompanies as an investor throughout the entire investing process: from selecting the right real estate project for from their platform, to the right investment strategy for , to continuous information on current investments.
In order to provide with a variety of real estate projects, we cooperate with national and international building contractors and project developers. Their investments are transparent – can inform on the progress of the project invested in at any time online.
private / institutional investor dashboard will supply with current market data and reports.. .
Covomo is a leading portal for all niche product insurances on a mission to empower people to easily protect the things they care about. We are offering the best in class B2B distribution platform for our partners and the best on-demand insurance products on the market.
Behind Covomo is a team mixed of experienced insurance professionals, forward-thinking entrepreneurs and colleagues in the tech industry with love for innovation and attention to detail. With our exclusive focus on niche insurance products, we manage to get the best understanding of the customers’ needs and catch the market opportunities in time to be the first to deliver the valuable propositions and shape our industry.
You can become part of their extraordinary team — one thing is certain: working at Covomo means being part of a dynamic team and having multiple development opportunities.. .
CASHBOARD is Europe’s first and only curated marketplace for retail investment covering all asset classes and one of the fastest growing online wealth management FinTechs in Germany. While others just sell one product CASHBOARD offers an individually tailored portfolio with access to the complete market range of traditional (Daily Deposits, Stocks, Funds, ETF) AND the rapidly growing segment of alternative investment products (P2P Lending, SME Lending, Real Estate Crowdfunding, Precious Metals, Sustainable Investing etc.).
Leading European FinTechs and notable banks already partner with CASHBOARD currently offering more than 6,500 investment products on the open technology platform. Retail clients benefit from the one-stop-shop solution which enables them to manage all their assets in a single account.
For them the platform is completely free of charge except for a success-related performance fee. CASHBOARD is recognized as one of the 9 top wealth tech companies in Europe (2017) and one of the market-leading companies in Germany (Aixigo/Springer 2016).
The team has received several notable awards including Europe’s highest endowed startup prize – the SevenVentures Pitch Day from NOAH London worth €4m TV media and is backed by top-tier international VC’s including 500 Startups, Earlybird, Digital Space Ventures, Redalpine, ProSiebenSat.1 and more.. .
Billie is a fintech startup with a mission is to reinvent working capital management for SMEs by offering innovative lending products. It is solving the order-to-cash problem through a fully automated invoice financing solution tailored to small businesses.
In addition to its factoring services, Billie helps SMEs secure better payment terms by offering a pay-after-delivery product for B2B online merchants. Billie was founded in 2016 and is based in Berlin, Germany..
Founded in 2014, finreach solutions is a Berlin based fintech company on a mission to make the enablement of consumer financial potential as simple and effective as possible. They enable their partners to realise new business opportunities by providing added value to their products and services.
Their partners rely on us to stay agile, deliver faster solutions, and make the most of their IT investment with API-led connectivity. finreach solutions developed the first automated current account switch kit (ASK), allowing banks to increase their share of primary current accounts.
Headquartered in Berlin, their team of 30 is led by CEO Markus Dränert and CPO Taner Akcok; both have profound experience in aspects that relate to entrepreneurship, technology and marketing, making them the perfect match to drive forth finreach solutions in a competitive environment.. .
FRIDAY is the first digital insurer in Germany to offer its own car fares. The team consists of more than 40 employees, including PhDs, business economics, experienced founders and digital experts.
FRIDAY has developed a cloud-based insurance platform and since March 2017 has been offering innovative products completely paperless, mobile and fully digital. With the number-per-kilometer tariff, customers can already benefit from the FRIDAY insurance cover starting at 1 cent per kilometer.
The pay-per-kilometer fare appeals particularly to low-driver, second-car drivers and customers who value flexibility and fairness.. .
Fly Ventures is a Berlin based VC firm investing in seed stage companies across Europe. They focus on software companies leveraging machine learning to drive business automation.
They are a team of engineers, product designers, and investors, uniquely positioned to help founders build technologically outstanding businesses with global ambitions.. .
Lighthouse is a company made up of entrepreneurs and crypto enthusiasts united in their aim of boosting innovation in the digital economy. They possess extensive experience in implementing complex, tech-savvy solutions.
Their team consists of professionals in finance, project management, software development research, design, and marketing.. .
PEY GmbH develops mobile payment solutions using blockchain technology that are easy-to-use and require no previous cryptocurrency knowledge. The newest product, PEY.cash was created specifically to help people in countries with hyperinflation who don’t have access to bank accounts abroad.
PEY GmbH was founded in 2014 and is headquartered in Hanover, Germany.. .
easyfolio is a German financial services company that enables its customers to invest in diversified portfolios. easyfolio offers three investment strategies – easyfolio 30, easyfolio 50 and easyfolio70.
All strategies invest with different weights – according to your personal risk assessment – completely transparent in a basket of stocks and bonds, which reflects the global economy.. .
Ventury Analytics develops a cloud software for economic simulation and contract analysis. The company delivers a web-based cap table management with functions such as convertible loans, ESOPs, and vesting management.
Comprehensive waterfall analyzes and scenario modeling deliver transparency about the effectiveness of new financing rounds and can be used for optimized decision-making in the financing process. The transparency helps to minimize misunderstandings between the parties before a contract is concluded.
Ventury Analytics’ mission is to improve the efficiency and effectiveness of the financing process by showing the future effects of the planned financing structure. Ventury Analytics is headquartered in Nuremberg, Germany..
Forexfix is a Berlin based B2B Fintech Startup. Forexfix is a service for small and medium companies doing business internationally, for example machine-builders, hardware start-ups, or travel-agencies.
They fix currency fluctuations by taking out the risks of doing business in foreign currencies. Their solution is the first service on the market providing this completely online.
Forexfix was founded in February 2017. The founders are Robert Kröber (CEO), Gerhard Maringer (CTO) and Jonathan Loesing (CCO).
They combine experience in banking, international business, finance IT, marketing and sales.. .
Neodigital is new insurance and insurtech start-up that provides digital insurance services for companies. They use a high degree of automation helping in tailor-making of products for individuals like private liability, accident, and household products via independent brokers, helping market participants to quickly and easily develop digitized insurance products and bring them to the market immediately.
Neodigital distributes private liability, accident, and household products via independent brokers in Germany. It was founded in 2017 and is headquartered in Neunkirchen, Rheinland-Pfalz, Germany..
Commerzbank is a Frankfurt-based commercial bank that provides seed and debt financing investments. Commerzbank is a leading international commercial bank.
For Private and Small Business Customers as well as Corporate Clients, the Bank offers a comprehensive portfolio of financial services. It has one of the densest branch networks among German private banks and is is leading in financing for corporate clients in Germany.
With its subsidiaries comdirect and Poland’s mBank it owns two of the world’s most innovative online banks. It serves its clients in all markets worldwide..
Vaamo Finanz AG
As leading German robo advisor vaamo is dedicated to providing private individuals with an easy and intuitive access to capital markets in order to enable everyone to invest their money profitably and at minimum cost. In order to make investing accessible to everyone we focus on personal financial goals such as an early retirement or the education of your children, provide customers with relevant guidance and advice at their finger tips and ensure an excellent customer service experience.
At the same time we provide direct access to an investment concept that follows Nobel prize winning scientific research and enables customers to invest in broadly diversified investment portfolios based on low-cost passive investment strategies – and all that without minimum term or investment and at one low all-in fee.. .
Serrala is an international provider of solutions for inbound and outbound payments and related finance processes. Evolving from the former Hanse Orga Group and its acquired companies including Dolphin Corp and e5 Solutions, Serrala optimizes the universe of payments for organizations that seek efficient cash visibility and secure financial processes.
The new name is inspired by the Sierra de la Serrella, a powerful mountain range in Spain symbolizing confidence and security. Born from the belief that no problem is too large to solve, Serrala brings clarity to complexity..
AUCTUS Capital Partners
AUCTUS Capital Partners is founded by entrepreneurs independent. With more than 80 transactions realised since 2001, AUCTUS has established itself as the leading private equity firm for the German-speaking SME sector (“Mittelstand“).
They seek majority interests in companies, e.g. in succession and corporate spin-off situations, and pursue roll-up/buy and build strategies.
Based on the Latin word “AUCTUS”, their company name represents their entrepreneurial mind-set focusing on “sustainable growth”. Together with management teams, they strive to increase the value of a company by achieving sales and earnings growth..
Elinvar enables asset & wealth managers to digitalize their business models by providing the required Platform as a Service. This includes applications for core processes like client relationship management, online onboarding, onsite advisory support, portfolio management, reporting, invoicing, online client access and communication as well as third party connections, e.g.
to custodian banks, market data or KYC providers. Elinvar’s partners profit from the combination of leading technology and the optimal regulatory setup as Elinvar holds all necessary BaFin licenses.
With this comprehensive approach, Elinvar creates the unique opportunity for its partners to go digital in one step and to utilize state of the art analytics to create individualized solutions to the benefit of their clients.. .
Munich Re Group (Munich Reinsurance Company, German: Münchener Rück; Münchener Rückversicherungs-Gesellschaft) is a reinsurance company based in Munich, Germany. It is one of the world’s leading reinsurers.ERGO, a Munich Re subsidiary, is the Group’s primary insurance arm.
Munich Re’s shares are listed on all German stock exchanges and on the Xetra electronic trading system. Munich Re is included in the DAX index at the Frankfurt Stock Exchange, the Euro Stoxx 50, and other indices.
cct Stegelitz GmbH
carbon clean tech AG is a product company specialised in the recovery of carbon black from post-consumer rubber products. Due to the cost efficiency of the cct technology, our customers achieve double-digit cost savings in their raw material sourcing, which translates into game changing margin improvements.
For each ton of feedstock processed, the overall ecosystem saves one ton of oil and avoids 1.4 tons of CO2 emissions. Through partnering with us, cct customers reduce their carbon footprint significantly, and contribute to making this planet more sustainable.
Learn more about us at: http://www.carbon-clean-tech.com. .
German Startups Group
German Startups Group is an investment company based in Berlin that focuses on young, fast-growing companies. The company acquires majority and minority shareholdings mainly by providing venture capital.
Since it commenced with operations in 2012, German Startups Group has in its opinion built up a diversified portfolio of investments in young companies and become the second most active venture capital investor in Germany since 2012 (CB Insights, Germany Venture Capital Overview). According to German Startups Group, its investment portfolio reflects a cross-section of extremely promising German startups of various maturity stages and includes some of the most successful and best-known German startups..
TrustBills is the Global Receivables Exchange. TrustBills connects sellers of trade receivables with diversified sources of liquidity, including banks and asset managers, allowing continuous access to working capital at the lowest cost.
Corporates turn unpaid invoices into working capital — always at market price. Selling Trade Receivables via TrustBills is more advantageous than factoring, supply chain finance programs or dynamic discounting.
Auction off your unpaid B2B invoices in an undisclosed or disclosed way and receive the purchase price immediately — without any security retentions, credit insurance and framework contracts. And always at market price.
Investors enjoy a new asset class that outperforms Fixed Income products. Trade receivables offer short durations and high Sharpe Ratios due to low volatilities and low correlation toward other asset classes.
TrustBills’ automatization replaces relatively expensive securitization, making trade receivables both economical and easy to acquire for institutional investors.. .
allpago, the leading payment service provider (PSP) in Latin America, announced that it has been acquired by PPRO, a leading cross-border e-payment specialist to create the world’s leading platform for local payments. This deal will bring together two already powerful specialist to create the new PPRO, becoming a truly global platform with direct integrations into all Local Payments Methods (LPMs) to their payments offerings.
By utilizing allpago’s knowledge and technical integrations into LPMs, PPRO can add even more value to their customers: payment service providers and their merchants. PPRO LATAM is the leading payment service provider for Latin America, enabling e-commerce merchants and payment providers to accept all relevant local payment methods through a single platform and API in over 90% of the region.
PPRO’s state-of-the-art technology and regulatory knowledge are used by merchants including Adobe, BMW, McAfee, Microsoft, Nintendo, Symantec and TeamViewer to maximize conversion rates and ensure compliant transactions with customers in Latin America, and as a ‘last mile’ payment interface by leading payment companies around the world such as Zuora, ACI Worldwide and Wirecard.. .
finanzen.net is an online portal that offers private investors with real-time push prices, stock market and news, information on personal finance, and international economic data. It features watch lists, personalized news sites, a currency converter, and Forex charts.
Its mobile apps are available for iOS, Android, and Windows Phone platforms.. .
Deutsche Beteiligungs is a private equity company. They initiate closed-end private equity funds – DBAG funds – which enable institutional investors to invest in the equity or equity-like instruments of unlisted companies.
DBAG advises or manages these funds. That means DBAG identifies, analyses and structures investment opportunities.
They negotiate investment agreements, support the portfolio companies during the time of their investment and shape the disinvestment process. Their focus is on German Mittelstand companies.
These mid-market businesses are the backbone of the German economy. They feel committed to them.
Their business models and markets have been the focus of their work for decades. Their special focus, moreover, is on companies operating in industrial sectors that are particularly strong on an international comparison.
Currently, DBAG holds more than 20 portfolio companies. Assets under advisement total some 1.8 billion euros..
Seedmatch – a brand of OneCrowd Group
Seedmatch, founded 2011 in Dresden, is the first platform for equity-based crowdfunding in startups and early-stage companies in Germany. Private as well as institutional investors can invest digitally and free of charge in innovative companies and thereby benefit from their economic success.
Next to Econeers, the platform for investments in sustainable projects and companies, and Mezzany for real estate investments, Seedmatch is one of the three brands that belong to OneCrowd Group.. .
Peppermint Venture Partners
PVP is a private venture capital firm based in Berlin, investing in early-stage healthcare companies across Europe with a focus on medical device, digital health, and platform technology companies. Peppermint VenturePartners was established in 2008 by Ingeborg Neumann, Dr.
Joachim Rautter and Dr. Klaus Stöckemann..
verify-u GmbH is a German company, pioneers in the online verification market in Europe. We offer the best solutions in KYC services since 2006, all in compliance with the Anti-Money Laundering Act.
As a financial service provider, verify-u provides businesses with efficient tools needed to make the process of customer verification simple, fast, and always in compliance with the Anti-Money Laundering Act. We offer services to different industries around the globe, e.g.
commercial banks, fintechs, insurance and insurtech, online banking, cryptocurrency brokers, payment providers and many more.. .
Varengold Bank is a German financial institution founded in 1995 and granted a full banking licence in 2013. In addition to its head office in Hamburg, the bank has presences in London and Sofia. Core business areas are Marketplace Banking and Commercial Banking. Within Marketplace Banking, the focus is on the cooperation with European FinTechs, especially lending platforms.
Varengold Bank’s service portfolio includes Funding, Debt and Equity Capital Markets products, Fronting Services for products subject to banking licence requirements and International Payment Services.
The Board of Managing Directors consists of Dr. Bernhard Fuhrmann and Frank Otten, who –together with an approx. 80-strong international team – continuously help to drive the modernisation of the finance sector. Varengold Bank is registered with the Federal Financial Supervisory Authority (BaFin) under 109 520 and its shares (ISIN: DE0005479307) have been listed on the Open Market of the Frankfurt Stock Exchange since 2007.
DEUTSCHLAND RUNDET AUF
GERMANY ROUNDS ON is an independent nonprofit organization dedicated to promoting social projects in Germany, which allows anyone, voluntarily and without being asked when paying at the checkout to round up the final amount to a maximum of 10 cents and donate them. Every cent donated will be forwarded transparently and 100% sustainable social projects in Germany.
Thus, all with just a few cents to contribute something to the solution of social problems in Germany.. .
DekaBank is the Wertpapierhaus of the German savings banks and, together with its subsidiaries, forms the Deka Group. With total customer assets totalling approximately € 220 billion as at december 2014 and around four million managed securities accounts, the Deka Group ranks among Germany’s major securities service providers.
It ensures access to a wide range of investment products and services for retail and institutional investors. DekaBank’s roots date back to the year 1918, when Deutsche Girozentrale (DGZ) was founded.
Deka as an investment company was founded in 1956; DGZ and Deka joined forces to create DekaBank in 1999. The Bank owes its success to its staff’s experience and commitment, and its firm foundations: DekaBank is firmly anchored within the Sparkassen-Finanzgruppe.
Being a part of the world’s largest financial combine means they can each do what they do best, with DekaBank creating funds centrally and savings banks serving customers locally. This combine principle is also reinforced by our ownership structure: The savings banks are sole owners of DekaBank..
ERGO is one of the major insurance groups in Germany and Europe. Worldwide, the Group is represented in over 30 countries and concentrates on Europe and Asia.
ERGO offers a comprehensive spectrum of insurance, provision and services. In its home market of Germany, ERGO ranks among the leading providers across all segments.
About 43,000 people work for the Group, either as salaried employees or as full-time self-employed sales representatives. In 2015, ERGO recorded a premium income of 18 billion euros and rendered benefits to customers of 17 billion euros..
The idea is simple yet powerful: BERGFÜRST’s efficient and transparent platform enables everyone to invest in real estate projects and benefit from high interest rates – free of charge and regardless of one’s financial situation or social status. In the past, those high quality assets have been reserved for institutional investors only and allowed them to outperform public markets on a regular basis.
At the same time BERGFÜRST offers real estate companies a lean funding process used not only for project developments but also to refinance already existing properties. Thanks to BERGFÜRST being a fintech, requests can be processed much faster than by traditional banks.
A proof for BERGFÜRST’s future potential is its 2019 strategic partnership with Commerz Real – a subsidiary company of the established German Commerzbank. BERGFÜRST was founded in 2011 by Dr.
Guido Sandler (founder of Berliner Effektenbank AG and E*Trade Bank AG) and Dennis Bemmann (founder of studiVZ). BERGFÜRST is based in the heart of Berlin..
Our goal in developing Brainalyzed Insight was to make the power of Artificial Intelligence accessible to mid-sized companies. It delivers the answer to business questions as a complete AI solution.
It can be connected in parallel to a variety of data sources and develops highly efficient models of artificial intelligence without the intervention of data scientists. For users in the financial sector we offer prebuild connectors to data providers like Bloomberg and Thomson Reuters.
The core of our technology is the evolutionary development of Artificial Intelligence in combination with state-of-the-art deep learning methods. It follows a selection process (crossing-over, mutation, and selection) as known from nature.
The result is neural networks that are automatically designed and optimized using our scalable learning technology. These models provide a higher prediction accuracy, because the inputs, network structure and neuron weighting were optimized for the data and the purpose of the business case.
This ensures that the swarm of artificial intelligence is perfectly matched to the data volume and represents the best compromise between overfitting and underfitting. This optimization is fully automated! It uses multiple performance parameters and dramatically improves predictive stability compared to a single model of artificial intelligence.
The first vertical are focusing on is the financial sector with customers being mid-sized banks, asset managers, and insurances.. .
Finance in Motion
Finance in Motion is an asset management firm exclusively focused on development finance. It offers specialized investment advisory services in the management of investment vehicles that have a positive social impact in developing countries and emerging economies and generate a financial return for investors.
The company focuses on micro, small and medium enterprise financing, housing financing, as well as on financing of energy efficiency measures and renewable energy projects. Advising investment funds with a total committed capital of over EUR 800 million, Finance in Motion is one of the world’s leading asset managers in the field of development finance..
Postbank offers its private customers simple, low-cost products for their day-to-day needs. The products offered range from payment transactions and deposit and lending business to bonds, investment funds, insurance policies and home savings contracts.
Postbank is easily accessible for its customers at its branches, online or by telephone. It has the most dense branch network of any bank in Germany.
At its own 1,100 branches, it offers extensive financial services as well as postal services. In addition, there are over 4,500 Deutsche Post partner branches where selected Postbank financial services are available, as well as 700 Postbank Finanzberatung advisory centers.
3,000 mobile advisors support Postbank’s customers, particularly with mortgage lending and retirement provisions.. .
This article was written by David Friedmman from Welp Magazine. The editor for this article was Tess Page. If your company is featured in this article and you want to have amendments made please contact us on: [email protected].
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