FinovateEurope 2016 / Fintura

Presenter Profile:

How they describe themselves: Fintura offers a loan rate comparison portal for SME-loans. They offer better loan rates than peer2peer-lending (0.4-4.4% (percentage points) better), better service times and higher quality. Market of new SME loans in Germany is €120M per anno worldwide >€ 1.7T. Brokerage fee is 1.5% of the loan volume, resulting in an earning potential of € 1.8B in Germany and >€25B worldwide. Target EBIT-Margin: 33%, like Interhyp with a similar model in the mortgage business. Customers are SMEs, freelancers, independent professionals.

How they describe their product/innovation: Comparison platform for SME-loans:

SMEs get: Risk adjusted loan-rate comparison in between 15 min, approval of bank chosen by the customer in between 72h, best price in the market, transparency between prices in the market.

Partner banks get: New business in target segments, process cost reduction, risk diversification

Product distribution strategy: Direct to Business (B2B)


Bus. Dev. & Press: Dr. Gernot A. Overbeck, CEO,

Sales: Michaela Mohri, CSO,


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