Best Alternative Lending Companies in Germany
The 155 best Alternative Lending companies in Germany in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Monedo.
Germany's Alternative Lending sector has pulled in $2.5 billion in disclosed funding across 155 tracked companies, and this directory ranks the best of them by equity raised and recent funding momentum. No unicorns yet. But the capital is real, and it's concentrating fast.
Auxmoney leads the pack at $223 million raised, a figure that dwarfs most peers in the space. Mondu has secured $70 million, MODIFI $49 million, re:cap $42 million, and Banxware $33 million. So when you're sizing up which lenders have the balance-sheet depth to actually move markets, those numbers are your starting point. I'd note that the global alternative lending market sat at roughly $2.4 billion in 2023 and is growing at a 14.4% CAGR, driven by rising demand from both individuals and businesses who can't or won't wait on traditional banks. Germany's regulatory environment adds friction, but it's also filtered out weaker operators, which is part of why the firms still standing have attracted backers like Index Ventures and Earlybird. As one recent analysis on the sector's fundamentals frames it, the relationship between alternative lenders and incumbent banks is more complicated than it first appears. The funding leaders here have earned their positions.
Ranked: Best Alternative Lending companies in Germany
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | Monedo Provider of a suite of financial products | $526M | 80 mo ago | 223 | 2012 | Nils Henning Co-Founder | — | — |
| 2 | Heimkapital Provider of partial real estate sales and land sales with usage rights | $335M | 44 mo ago | 60 | 2019 | Dimitrij Miller Founder & Managing Director | Bootstrapcore-jsjQuery+17 | — |
| 3 | Raisin Comparison platform for bank accounts 53Funding top 25%Tech top 27%Talent top 28%Moat top 31% All 11 signals ▾Fundingtop 25% Techtop 27% Talenttop 28% Moattop 31% Producttop 40% Globaltop 42% Customerstop 44% Growthtop 45% Innovationbottom 40% Marketbottom 33% Newsbottom 24% Funding: Raised $304M across 7 rounds · 7 rounds over 13 yrs (0.5/yr) Tech: 50 technologies across 6/8 capability areas · Cloud: Amazon Cloudfront, Amazon S3 rank vs industry peers · Fliar Intelligence Index 53/100 | $304M | 40 mo ago | 8 | 2013 | Michael Stephan Co-Founder & COO | ContentstackApple iCloud MailGoogle Workspace+33 | — |
| 4 | Auxmoney Online P2P lending platform for personal loans 40Funding top 27%Product top 42%Market top 43%Fin. health top 46% All 8 signals ▾Fundingtop 27% Producttop 42% Markettop 43% Fin. healthtop 46% Globalbottom 39% Growthbottom 37% Techbottom 31% Newsbottom 27% Funding: Raised $223M across 7 rounds · 7 rounds over 13 yrs (0.5/yr) Product: 1 published app (335k installs) · Company stage: Acquired rank vs industry peers · Fliar Intelligence Index 40/100 | $223M | 24 mo ago | 278 278 → 206 (-26%) · sector median +35% | 2007 | — | Apple iCloud MailMicrosoft 365Salesforce+3 | — |
| 5 | smava Comparison platform of financial products | $156M | 72 mo ago | 267 267 → 322 (+21%) · sector median +35% | 2007 | Eckart Vierkant Co-Founder & Co-CEO | ContentfulApple iCloud MailGoogle Workspace+16 | — |
| 6 | Billie Online marketplace for invoice factoring | $149M | 55 mo ago | 107 107 → 135 (+26%) · sector median +35% | 2017 | Aiga Senftleben Co-Founder | ContentfulTailwind CSSReact+19 | — |
| 7 | Mondu Provider of financial management solutions for SMBs 64Funding top 26%Moat top 28%Tech top 33%Talent top 38% All 9 signals ▾Fundingtop 26% Moattop 28% Techtop 33% Talenttop 38% Growthtop 40% Newstop 45% Markettop 49% Productbottom 48% Globalbottom 46% Funding: Raised $70.0M across 6 rounds · 6 rounds over 5 yrs (1.2/yr) Moat: Editorial + unicorn rating 8/10 · Soonicorn rank vs industry peers · Fliar Intelligence Index 64/100 | $70M | 6 mo ago | 147 | 2021 | Philipp Povel Co-Founder & Co-CEO | Cart FunctionalityWordPressApple iCloud Mail+31 | 4 partnerships |
| 8 | Exporo P2P marketplace for commercial real estate loans | $58M | 84 mo ago | 175 | 2014 | — | WebflowUnbounceContentful+24 | — |
| 9 | CrossLend Secondary marketplace for loans | $55M | 80 mo ago | 65 | 2014 | Marco Hinz Managing Director | WordPressApple iCloud MailGoogle Workspace+21 | — |
| 10 | Finiata Lending as a service platform for financial institutions | $51M | 33 mo ago | 40 | 2016 | Ingmar Stupp Co-Founder and CPO | WordPressMySQLPHP+21 | — |
| 11 | MODIFI Provider of a platform for managing and financing international trade 45Moat top 22%Funding top 28%Talent top 38%Tech top 43% All 9 signals ▾Moattop 22% Fundingtop 28% Talenttop 38% Techtop 43% Producttop 45% Globalbottom 48% Marketbottom 41% Growthbottom 40% Newsbottom 24% Moat: Editorial + unicorn rating 8/10 · Soonicorn Funding: Raised $48.6M across 7 rounds · 7 rounds over 8 yrs (0.9/yr) rank vs industry peers · Fliar Intelligence Index 45/100 | $49M | 19 mo ago | 99 | 2018 | Sven Brauer Co-Founder & Chief Operating Officer (COO) | ButterCMSSentryZendesk+18 | 1 partnership · 1 expansion |
| 12 | FINANZCHECK.de Online comparison site for personal loans and private financial products | $46M | 122 mo ago | 186 186 → 107 (-42%) · sector median +35% | 2010 | — | ContentfulTurbopackEmotion+15 | 1 launch · 1 partnership |
| 13 | re:cap Online platform for revenue-based financing 50News top 24%Growth top 25%Funding top 29%Moat top 39% All 8 signals ▾Newstop 24% Growthtop 25% Fundingtop 29% Moattop 39% Techbottom 49% Productbottom 45% Globalbottom 37% Marketbottom 36% News: 5 BI events in 12 mo (of 16 tracked, 3 types) · 3 high-value events (IPO/M&A/funding/contracts) in 12 mo Growth: Fresh capital in last 24 mo rank vs industry peers · Fliar Intelligence Index 50/100 | $42M | 11 mo ago | 48 | 2021 | — | WebflowApple iCloud MailGoogle Workspace+22 | — |
| 14 | Myos Online platform for trade finance | $41M | 59 mo ago | 27 | 2018 | Nikolaus Hilgenfeldt Co-Founder & CEO | — | — |
| 15 | myos Rethinking working capital | Myos helps merchants of all kind grow to scale, fully digital, flexible and… | $41M | 59 mo ago | 49 | 2018 | — | SentryHeadless UIReact+16 | — |
| 16 | Compeon Comparison platform for business financial products | $37M | 64 mo ago | 107 | 2012 | — | WordPressApple iCloud MailMicrosoft 365+19 | — |
| 17 | Vane Provider of non-dilutive financing solutions for digital businesses and developers | $36M | 54 mo ago | 16 | 2015 | Christopher Vogt Co-Founder & Investor | WordPressMySQLPHP+19 | — |
| 18 | Banxware Provider of a lending-as-a-service platform for banks and lenders 32Funding top 33%Moat top 39%Talent bottom 49%Tech bottom 48% All 8 signals ▾Fundingtop 33% Moattop 39% Talentbottom 49% Techbottom 48% Growthbottom 42% Globalbottom 39% Marketbottom 36% Newsbottom 17% Funding: Raised $32.6M across 5 rounds · 5 rounds over 6 yrs (0.8/yr) Moat: Editorial + unicorn rating 7/10 · 8 curated direct competitors tracked rank vs industry peers · Fliar Intelligence Index 32/100 | $33M | 12 mo ago | 60 | 2020 | Miriam Wohlfarth Co-Founder & Co-CEO | WebflowApple iCloud MailMicrosoft 365+22 | 1 partnership |
| 19 | Ecoligo Project crowdfunding platform for solar developers | $30M | 27 mo ago | 17 17 → 39 (+129%) · sector median +35% | 2016 | Markus Schwaninger Co-Founder & Board Member | SentryApple iCloud MailMicrosoft 365+29 | — |
| 20 | FinCompare Digital loan comparison platform for SMEs | $28M | 75 mo ago | 50 | 2016 | — | WordPressMySQLPHP+30 | — |
| 21 | Scania Finance Platform offering financial solutions | $26M | 38 mo ago | 14 | 1991 | Frank Debus CEO | — | — |
| 22 | Taktile Provider of an agentic decision platform for financial service applications 53AI top 30%Funding top 33%Talent top 38%Moat top 39% All 11 signals ▾AItop 30% Fundingtop 33% Talenttop 38% Moattop 39% Techtop 40% Producttop 41% Innovationbottom 47% Growthbottom 47% Marketbottom 39% Globalbottom 39% Newsbottom 21% AI: Classified as an AI company · Product described with: artificial intelligence Funding: Raised $24.7M across 4 rounds · 4 rounds over 5 yrs (0.8/yr) rank vs industry peers · Fliar Intelligence Index 53/100 | $25M | 15 mo ago | 62 | 2020 | Maximilian Eber Co-Founder & CPTO | Apple iCloud MailGoogle WorkspacePHP+26 | — |
| 23 | Remagine Online revenue-based financing platform for startups | $24M | 64 mo ago | 23 | 2019 | Sebastian Dienst Co-Founder | — | — |
| 24 | Lendico Online P2P loans marketplace | $22M | 133 mo ago | 136 | 2013 | — | — | — |
| 25 | Topi Developer of API-based point-of-sale financing solutions for businesses | $20M | 45 mo ago | 46 | 2021 | Charlotte Pallua Founder | WebflowBootstrapGSAP+23 | 2 partnerships |
| 26 | Everstores Provider of financing solutions to Shopify stores | $19M | 44 mo ago | 30 | 2022 | Kristoffer Herskind Co-Founder & Co-CEO | — | — |
| 27 | Traxpay Working capital management for businesses | $19M | 70 mo ago | 18 18 → 26 (+44%) · sector median +35% | 2009 | — | WordPress Block EditorWordPressApple iCloud Mail+16 | — |
| 28 | WeltSparen Online investment products and services comparison platform | $10M | 144 mo ago | 11 | 2012 | Michael Stephan Co-Founder & COO | ContentstackWordPressMySQL+28 | — |
| 29 | Savedo Online comparison platform for fixed-term deposits | $8M | 120 mo ago | 40 | 2014 | — | — | — |
| 30 | cashpresso Online platform for consumer loans | $7M | 96 mo ago | 77 | 2015 | — | Adobe Experience ManagerJavaElement UI+16 | — |
| 31 | VAI Trade Online platform for invoice financing | $6M | 104 mo ago | 20 | 2017 | Garry Krugljakow Founder & CEO | — | — |
| 32 | OWWN Internet-first bank for consumers | $6M | 60 mo ago | 18 | 2021 | — | — | — |
| 33 | Acatus Debt capital markets platform | $6M | 78 mo ago | 15 | 2016 | Daniel Wigbers Co-Founder & COO | — | — |
| 34 | Bonify Provider of a credit reporting and improvement platform | $6M | 69 mo ago | 39 39 → 84 (+115%) · sector median +35% | 2015 | Andreas Bermig Co-Founder & CEO | PrismicApple iCloud MailGoogle Workspace+20 | 1 partnership |
| 35 | DFKP Online P2P marketplace for business loans | $5M | 49 mo ago | 16 | 2019 | — | WordPressMySQLRedis+13 | — |
| 36 | Tilta Provider of online business credit lines | $4M | 24 mo ago | 20 | 2022 | Ingmar Stupp Co-Founder | Framer SitesReactAmazon Web Services+13 | — |
| 37 | Fulfin Developer of online lending solution for working capital loans | $4M | 45 mo ago | 25 | 2018 | — | SentryTypeScriptGraphQL+20 | — |
| 38 | Tradico Invoice factoring online | $4M | 111 mo ago | 20 | 2015 | — | — | — |
| 39 | Justhome Provider of residential mortgage solutions | $3M | 45 mo ago | 15 | 2022 | Johannes Fenner Co-Founder | — | 2 partnerships |
| 40 | Flexvelop Online platform offering rent-to-buy equipment financing loans for businesses 29Growth top 35%Funding top 42%Talent bottom 49%Tech bottom 43% All 6 signals ▾Growthtop 35% Fundingtop 42% Talentbottom 49% Techbottom 43% Globalbottom 37% Marketbottom 23% Growth: Fresh capital in last 24 mo Funding: Raised $3.2M across 3 rounds · 3 rounds over 3 yrs (1.0/yr) rank vs industry peers · Fliar Intelligence Index 29/100 | $3M | 15 mo ago | 16 | 2018 | Hans Stockfisch Co-Founder & CEO | Webflow EcommerceCart FunctionalityWebflow+14 | — |
| 41 | Bitbond P2P lending platform for small businesses | $2M | 109 mo ago | 5 | 2013 | — | WordPressMySQLPHP+19 | — |
| 42 | Tapline Provider of a digital fundraising platform for subscription-based businesses | $2M | 16 mo ago | 7 | 2021 | Dmitrij Miller Co-Founder & CTO | — | — |
| 43 | FinMatch Provider of financing and subsidy acquisition services for mid-sized businesses | $2M | 25 mo ago | 29 29 → 71 (+145%) · sector median +35% | 2018 | Thomas Becer CEO | WordPressMySQLPHP+12 | 2 job openings |
| 44 | hypcloud B2B real estate finance platform | $1M | 83 mo ago | 15 | 2017 | Marcus Joachim ex-Co-Founder & CEO | — | — |
| 45 | European DataWarehouse Provider of securitisation repository services for asset-backed securities and loan portfolios | $719K | 43 mo ago | 23 23 → 43 (+87%) · sector median +35% | 2012 | — | WordPressApple iCloud MailMicrosoft 365+27 | 1 launch |
| 46 | Bettervest Developer of a P2P lending platform for energy efficiency projects | $224K | 125 mo ago | 12 12 → 14 (+17%) · sector median +35% | 2006 | Marilyn Heib Mitbegründer und CEO | WordPressMySQLPHP+26 | — |
| 47 | FinTech Online platform offering installment loan comparison for consumers | $122K | 48 mo ago | 5 | 2022 | Jan Lettow Co-Founder & CEO | — | — |
Top 12 Alternative Lending companies in Germany
#1
Series A · Berlin, Berlin · founded 2021 · 147 employees$70Mraised▾
Provider of financial management solutions for SMBs. It offers solutions for SMBs so that they can focus on business. It offers business customers a BNPL payment solution when buying online.
- Dec 2025Conventional Debt$116.4M
- Jan 2024Conventional Debt$32.6M
- Jan 2023Series A$13M
- Oct 2022Conventional Debt$19.4M
#2
Series A · Berlin, Berlin · founded 2021 · 48 employees$42.4Mraised▾
Online platform for revenue-based financing. It enables subscription-based businesses to obtain loans based on future recurring revenues. Users can obtain loans based on customized terms, amounts, and repayment options. Businesses must add the required details and connect the accounting and ERP systems to the platform. Once approved, the funds are transferred to the registered bank account.
- Jul 2025Conventional Debt$169.8M
- Jun 2024Series A$14.7M
- Apr 2022Seed$15M
- Dec 2021Conventional Debt$101.4M
#3
Series A · Berlin, Berlin · founded 2020 · 60 employees$32.6Mraised▾
Provider of a lending-as-a-service platform for banks and lenders. It features KYC and AML checks for customer onboarding, credit scoring and assessments, risk management, loan origination and collection, and more. It offers white-label solutions to offer lending and financial services to the merchants. It also offers card issuance solutions by providing white-label virtual and physical cards to businesses.
- Jun 2025Series A$11.4M
- Dec 2023Series A$16.4M
- Jan 2022Seed$11.3M
- Feb 2021Seed$4.8M
#4
Series C · Berlin, Berlin · founded 2018 · 99 employees$48.6Mraised▾
Provider of a platform for managing and financing international trade. The platform offers payment solutions and trade financing for businesses engaged in global commerce. It facilitates cross-border transactions and provides tools for managing payments and shipment tracking. The company aims to simplify international trade processes for its users.
- Nov 2024Series C$15M
- Jul 2023Conventional Debt$100M
- Dec 2021Conventional Debt$145M
- Sep 2021Series B$24M
#5
Series B · Berlin, Berlin · founded 2020 · 62 employees$24.7Mraised▾
Provider of an agentic decision platform for financial service applications. The platform combines artificial intelligence automation with human oversight for decision-making processes. It offers tools for onboarding, credit assessment, compliance, and fraud detection. The platform features pre-built agents, data orchestration, and real-time performance monitoring.
- Feb 2025Series B$54M
- Nov 2022Series A$20M
- Aug 2021Seed$4.7M
- Aug 2020Seed$125K
#6
Acquired · Dusseldorf, North Rhine Westphalia · founded 2007 · 278 employees$223.4Mraised▾
Auxmoney is an online P2P lending platform for personal loans. It allows private consumers to borrow personal loans by connecting multiple private investors. Through its platform, private and institutional investors directly invest in pre-approved borrowers of different score classes.
- 2024Series F—
- Aug 2022Conventional Debt$511M
- May 2022Conventional Debt—
- Apr 2021Conventional Debt$296.9M
#7
Series B · Hamburg, Hamburg · founded 2018 · 16 employees$3.2Mraised▾
Online platform offering rent-to-buy equipment financing loans for businesses. It offers loans to businesses by financing any equipment that a business needs or wants, and allows businesses to pay rent for that product. Businesses can decide to purchase the equipment at any time by repaying the loan amount or once the rental amount covers the cost of the equipment.
- Mar 2025Conventional Debt$43.6M
- Mar 2025Series B$4.4M
- Feb 2023Series A$3.2M
#8
Series E · Berlin, Berlin · founded 2013 · 8 employees$304.2Mraised▾
Raisin offers a comparison platform for bank accounts. It offers comparisons of savings accounts & term deposits on the basis of interest rates. It also offers comparisons for fixed-rate bonds. It provides deposit guarantee schemes to users.
- Feb 2023Series E$64.1M
- Jan 2022Series D$33.5M
- Jul 2019Series D$28.2M
- Feb 2019Series D$114.2M
#9
Seed · Berlin, Berlin · founded 2021 · 7 employees$1.9Mraised▾
Provider of a digital fundraising platform for subscription-based businesses. It provides users with a platform that helps companies or businesses with recurring payments to raise funding for their business. It enables owners to choose the subscriptions which they want to trade for capital. The platform also helps investors earn incomes through recurring payments. Investors can see the performance of their investments.
- Jan 2025Conventional Debt—
- Jan 2025Seed$20.8M
- Oct 2023Seed$157.5K
- Dec 2022Seed$1.8M
#10
Series A · Munich, Bavaria · founded 2019 · 60 employees$334.7Mraised▾
Provider of partial real estate sales and land sales with usage rights. The company offers immediate payouts while allowing continued residence. It facilitates financial flexibility through partial sales or land sales. Customers retain decision-making power regarding renovations and modifications. The company evaluates individual situations to provide suitable solutions. It also offers ongoing services related to property management.
- Sep 2022Series A—
- Jan 2022Series A$334.7M
- May 2020Seed—
#11
Series B · Berlin, Berlin · founded 2016 · 17 employees$29.9Mraised▾
Ecoligo has developed a solar project crowd-funding platform that helps retail individual investors receive a higher return on their investment as compared to a regular banking product and on the same note, assists project developers with capital infusion in their solar projects. All projects pass a technical and financial due diligence and furthermore need to fulfil social and ecological criteria.
- Feb 2024Series B$11.9M
- Jun 2023Conventional Debt$2.1M
- Mar 2023PE$5.4M
- Oct 2022Series A$9.8M
#12
Series B · Berlin, Berlin · founded 2016 · 40 employees$51.5Mraised▾
Lending as a service platform for financial institutions. It mainly offers embedded finance and risk management solutions. It offers solutions for onboarding, disbursing funds, managing repayments, cash flow management, and more. It also offers solutions for risk analytics, the creditworthiness of customers, and more.
- Aug 2023Series B$21.7M
- Nov 2020Series A$8.3M
- Dec 2017Series A$11.8M
- Dec 2017Conventional Debt$9.4M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Alternative Lending coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
Riya reads income statements for fun. She covers the real money in a sector — revenue, growth, who actually earns — and never met a vague claim she didn't want a number for.