“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.
CAPTIQ discloses Solarisbank as its sponsor bank, according to the Embedded Finance Index 2026.
CAPTIQ does not disclose a bank charter of its own; its banking services are provided through Solarisbank.
CAPTIQ's lending and capital products are provided by Solarisbank.
The Embedded Finance Index 2026 maps 2 layers in CAPTIQ's stack: Lending (Solarisbank, Unsecured digital loans up to €250,000 for chamber professionals (doctors, lawyers, tax advisors, engineers) and Loans for start-ups, practice takeovers, and equipment purchases); Sponsor bank (Solarisbank).
CAPTIQ is founded in 2017 and headquartered in Frankfurt am Main, Germany.
CAPTIQ has raised $4.06M in total (latest round: Series B).
Get a read on where your own stack stands against CAPTIQ and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.