“Can a vertical digital credit broker own the sub-€250k lending market for Germany's regulated professions?”
CAPTIQ was founded in 2017 to solve a specific gap in German lending: small (<€250k) unsecured loans for regulated 'chamber professionals' — doctors, lawyers, engineers, tax advisors — whose creditworthiness is strong but whose loan sizes are too small for traditional bank underwriting economics. The company built an automated digital brokerage stack and partnered with Solarisbank as licensed lender. It remains a narrow-vertical digital credit brokerage rather than a full BaaS or banking play.