“Can a loan-broker marketplace stay defensible as German banks digitise their own consumer-credit origination flows?”
Finanzcheck is a Hamburg-based consumer credit comparison marketplace, founded in 2010 and operating as FFG FINANZCHECK Finanzportale GmbH. It aggregates offers from 20+ German partner banks (Ratenkredit, Autokredit, Umschuldung, Baufinanzierung) and monetises via referral commissions (1.85% of loan volume via its affiliate program). Rather than becoming a lender itself, it plays pure marketplace/broker — capital and underwriting sit with the partner banks; Finanzcheck owns the digital origination flow, including account-linking (Kontoblick), video-ID, and e-signature.