You send the request.
Customer details, loan requirement and documents go into our partner system. It takes a few minutes. After that you see every step live.
For brokers and intermediaries.
Loanback office.
Does your customer need a loan? Don’t send them to the bank. Send us the documents. We check them, choose the bank, submit the application and deal with every query. You receive the offer and, once the loan has been successfully brokered, your commission.
1Point of contact for you and for every request.
25Banks and lenders. We find the right offer.
3pmRequests that reach us by then are dealt with the same day. You can rely on that.
0€Cost to you. CRM, support and processing included.
You know your customer. We know 25 banks. Together we get your customer over the line.
Why a back office
Arranging loans takes time you do not have.
A loan request sounds like extra business. In practice it means collecting documents, checking details, putting the enquiry to the bank, answering queries, sending what is missing, and waiting. And in the end your customer’s own bank says no, because the case falls outside its criteria.
Then there is the worry every broker knows: send your customer to the bank, and before long they are sitting there for insurance, a current account and their pension as well. Don’t let that business slip away.
That is what the loan concierge is for. You keep the customer relationship, we take on the work behind it. And because we know 25 banks, the application goes where it has the best chance.
The journey of a request
A process you will love.
Five steps. One is yours. Four are ours. A good deal.
We check it.
Data check, your customer’s situation, feasibility. If something is missing, we tell you straight away, before the bank has to. Requests that reach us by 3 pm are dealt with the same day, with feedback on feasibility and on the next steps. Later requests we usually manage as well, depending on workload.
We choose the bank and submit the application.
From 25 banks, the one most likely to approve exactly this case. Targeted rather than scattergun: we make selective rate enquiries, SCHUFA-neutral and with no effect on your customer’s score.
We handle the queries.
Every query from the bank comes to us. What we can answer ourselves, we answer. Everything else we pass on to you: you clarify it with your customer and let us know. Contact with your customer stays with you, and every step can be followed in our system.
We see it through to completion.
The offer is on the table and your customer accepts. Contract, identification, approval and payout follow, as a rule within 2 to 5 working days. Your commission is settled through our system.
Always informed in real time. Your customer stays yours.
What is in it for you
More service for you. More time for your customers.
- CommissionAttractive and volume-based, settled transparently in the system. We discuss the rates in the first call.
- Customer protectionYour customers remain your customers. No contact, no advertising, no cross-selling from us.
- Partner protectionWe do not poach partners and we leave your network alone. It says so in the contract.
- Approval rateWe know which bank suits which case. Even when others have already turned it down.
- One point of contactFor you and for every request. No hotline, no ticketing system.
- TransparencyStatus, cases, performance and settlement, in the system at any time.
Your tool
Submit, track, complete.
We developed our CRM ourselves, for exactly this process. Free for partners, nothing to install, and it works on mobile too. Every case, every status, every statement in one place.
- SubmittedCase #2410-0318 · €18,500 · 72 months
- ReviewedDocuments complete, initial check passed
- With the bankApplication submitted, queries answered
- Offer receivedApproval granted, agreement ready to sign
- Paid outThe loan amount is in your customer’s account
What our system does
Everything in one place.
For teams too. Do you run a network, or are you building a team? Our CRM mirrors your structure: who submitted what, where each case stands, how settlement is going. You see your business at a glance, and your brokers see theirs.
- SubmitEnter requests, upload documents, add anything that is missing. In a few minutes.
- TrackThe status of every case live, with a notification by email and text message as soon as something happens.
- ChatPut questions to our team right in the case and get the answers where you need them.
- ManageCustomers and applications clearly organised, with history and documents.
- SettleCommission shown clearly for each case, payment easy to trace.
- Lead teamsMap your broker structure, with performance and settlement for each broker.
Who works with us
For brokers, intermediaries, teams and retailers.
Referrer or broker. You do not need a licence of your own to get started. As a referrer you pass on the contact, and we take care of advice and brokerage. That is particularly attractive for individuals and companies without a trade licence of their own. With a licence under § 34c GewO you broker loans yourself. We discuss requirements and terms in the first call.
- Insurance brokerswith their own customer base who want to offer loans without turning into a loan department.
- Financial intermediaries and estate agentsfor whom financing questions are part of everyday work.
- Sales organisations and teamswith brokers working under them, who need orderly processing and settlement.
- Retailerswhose customers need finance: car dealerships, kitchen and furniture showrooms, bicycle shops, trade businesses.
If it does not work first time
Not every request fits the first bank. That is why we have 25.
We look at alternatives from the start. If a rejection comes, we find out why and try a bank that fits the case.
If a loan is not possible at the moment, we say so honestly. Your customer can then use the Nexus credit check of our partner company to review their credit report and have errors corrected. Often that is the route to an approval at the second attempt.
Our bank portfolio
25 banks. One request.
From the major bank to the specialist for the self-employed. We choose the bank where approval is most likely. No scattergun applications, no unnecessary enquiries on your customer’s credit rating.
Getting started
Four steps to becoming a partner.
Your loan concierge looks forward to meeting you.
- 01 Check-inFill in the form and give us a time for the callback.
- 02 First callWe talk through the framework, the terms and what you need.
- 03 Contract and accessDocuments, contract, activation in the system.
- 04 Get goingSubmit your first request. We are here for you.
Good to know
Questions from brokers.
What brokers and intermediaries ask us before they start.
Do I need my own licence under § 34c GewO?
No, not to get started. As a referrer you pass the contact on to us, and we take care of advice and brokerage. With your own licence under § 34c GewO of the German Trade Regulation Act, you broker loans yourself. We discuss the requirements and terms of both routes in the first call.
How is the commission calculated and paid?
The commission depends on the loan volume you broker. We discuss the specific rates in the first call. You see the settlement in the system, and the commission is paid once the bank has approved the loan.
What does the CRM cost?
Nothing. The system, support and processing are free for partners.
Who speaks to my customer?
You, and only you. We do not speak to your customer. We pass the bank’s queries on to you, and you clarify them with your customer. No contact, no advertising, no cross-selling from us.
How quickly do I get an answer?
Requests that reach us by 3 pm are dealt with the same day. You can rely on that. Later requests we usually manage as well, depending on workload. In every case you hear back from us: on feasibility, on the next steps or on where things stand. The bank decides as a rule within 2 to 5 working days. You see every step live in the system.
Which loans does finovation broker?
Instalment loans for any purpose: unrestricted use, debt consolidation, a car or home improvements, as well as loans for the self-employed. From €1,000 to €100,000, with terms of 12 to 180 months.
Can I set up my team in the system?
Yes. Our CRM mirrors your broker structure, with cases, performance and settlement for each broker.
What happens if the bank rejects the application?
We find out the reason and look into a suitable alternative. If a loan is not possible at present, your customer can use the Nexus credit check of our partner company to improve their credit rating.
Start now
Ring the bell.
Your loan concierge is already waiting. Check in and we will call you back.
+49 9561 6759380Phone, Mon–Fri 9 am–6 pm
+49 174 4504114WhatsApp, whenever it suits you
info@finovation.euEmail, replies on working days