The CAPTIQ loan:

Fast, easy, digital, transparent

Apply for your online loan in a flash now with innovative processes and state-of-the-art technologies

Start here with one click

Financing fast and simple:
In just 5 steps to your loan!

With a few clicks register and submit the loan application in a flash

After simply registering, customize your loan to fit your needs with our financing calculator.

For complete convenience, you will find all the requested data transparently and at a glance in the application section customized for you. All of this is completely unbureaucratic and fully digital.

Fast credit check

We check your submitted application immediately. You will receive your loan approval within one day and will be notified directly of the offers available to you from our financiers.

Selection from hand-selected financing

In order to provide you with the highest level of reliability and quality in terms of loans, we cooperate with first-class, procedurally coordinated financing partners. You can trust that the selection we present to you meets the strictest requirements.

Because we want to offer you the confidence you need to make financial decisions with confidence.

Electronic signing of the loan agreement and video identification

You can easily view the final loan agreement online and sign it online.
In addition to signing the contract electronically, you also identify yourself online via video.

To protect your data, we always comply with the latest security standards.

Final check and ready!

In the final step, our financing partner checks the loan - the disbursement of your desired amount takes place within a few working days.

Our record? 2 hours and 43 minutes from application to payment!
Can you manage to break it?

Clearly arranged at a glance:
The checklist for your loan application

Choose your purpose:

Follow-up financing

For example, renovation, equipment financing, working capital financing, liquidity financing, etc.

Takeover (person takes over shares)

A person acquires shares in an already established company.

Foundation (founded, no financial statements available)

The company was founded, but no annual financial statements are available yet.

Start-up financing

The company has not yet been established.

Company details
- Basic company data
- Address
- Contact
- Balance sheet documents:
  - For companies preparing financial statements:
    Balance sheet(s) incl. profit determination and account statements incl. the comparison with the previous year
    Business evaluation(s)
    Associated trial balance(s)
  - For income statement (EÜR):
    Profit determination(s) and account statements incl. the comparison with the previous year's accounts
    Business evaluation(s)
    Associated trial balance(s)
- Legal form-dependent documents (e.g. excerpt from the commercial register)
- Loan history
Personal data loan applicant
- Basic data
- Address
- Contact
- Economic conditions
- Proof of qualification:
  - Proof of chamber membership
Information on the corporate structure
- Beneficial owner:
  - For persons: Basic personal data and address
  - For companies: Basic company data
- Legal representative:
  - Basic personal data
  - Address
Bank details

For full transparency:
This is how we determine your credit rating

What is the credit rating?

When looking for a suitable loan, the loan interest rate is always important. This results from your creditworthiness, the so-called credit rating.

CAPTIQ's rating model for determining creditworthiness is precisely tailored to regulated professionals. Numerous internally and externally related information about you and your company are used for the evaluation.

How does the credit rating work at CAPTIQ?

Particularly relevant are the financial ratios of your company and your personal creditworthiness. These factors are weighted differently depending on the intended use and other circumstances. While, for example, personal creditworthiness plays an important role in start-up financing, the key financial figures of your company are the main focus of follow-up financing.

The credit assessment may differ from financier to financier, but CAPTIQ always has high quality standards, which means that the credit assessment is always coordinated with us.

Ultimately, the decisive factor for the CAPTIQ rating is the deviation of your probability of default from the statistical mean for your occupational group. The probability of default indicates the likelihood that a borrower will be unable to service a loan.

Completely independent of your interest rate, you always enjoy all CAPTIQ benefits:

No equity claims
No collateral required
No proof of use of funds required
Overview of several loan offers (if available)
Fixed interest rate for the entire term
Selection from hand-picked financing partners

CAPTIQ relies on high quality financing partners:

CAPTIQ models the entire credit process with financing partners

CAPTIQ is not a simple intermediary platform that just plods along to some external bank. Instead, we model the entire credit process together with hand-picked financing partners. When selecting our partners, we set great store by the highest quality standards.

You can find our current financing partners here

Our financing partners

The most frequently asked questions

Are there any requirements for equity or proof of equity?

With CAPTIQ, neither equity capital has to be deposited nor proof of assets is required. This noticeably simplifies the application process for you and makes you less tied down.

How quickly will I get my CAPTIQ loan paid out?

After submitting your loan application, it will be processed immediately. After 1-2 business days at the most, you will receive the result of the credit check. After that, only the online contract signing, a video - identification and a final check of our financing partners follows. The disbursement of your desired amount takes place within a few working days.

For more information on the application process, simply click here.

How is the credit rating determined at CAPTIQ?

CAPTIQ's rating model for determining creditworthiness comprises numerous internally and externally related information about you and your company. Particularly relevant here are the key financial figures of your company as well as your personal creditworthiness. Depending on the purpose of the loan and other circumstances, these factors are weighted differently. Ultimately, this results in the credit rating.

How does the electronic signature work?

Depending on the financier, the electronic signature takes place via our partners DocuSign or WebID. In both cases, the Qualified e-Signature (QES) comes into play.

WebID:
After video identification through WebID, you receive your contract, review it, and accept the terms of use. Finally, you sign the contract by entering your tan. We will, of course, guide you through the contract signing process.

DocuSign:
As a leading provider of electronic signatures, DocuSign enables individuals to sign and send documents electronically. They can legally sign the document by either drawing their signature with the mouse, using a pre-saved signature, or typing it with their finger or pen using their cell phone or tablet.

What is the identification procedure?

The identification process is carried out via video identification by our partners IDnow or WebID, depending on the financier. The basic idea is that an identity check is performed in real time via video calls to verify a customer's identity without having to be physically present. For you, this means that you can identify yourself from the comfort of your own home in just a few minutes - all you need is an Internet-enabled terminal device and a camera.

How does the redemption work?

The CAPTIQ loan is an annuity loan. This means that you pay constant monthly installments. These are automatically collected from your account by SEPA direct debit mandate in the first month after disbursement.

Is there an early repayment penalty for early repayment?

We offer flexible loan offers where the possibility of an early repayment fee varies depending on the individual loan offer. In some cases, we allow our customers to repay the loan early without incurring additional fees. In these offers, there is then no prepayment penalty if you choose to pay off your loan early.

However, in other loan offers, an early repayment penalty could apply if you choose to repay the loan before the end of the agreed term.
You can always submit a no-obligation inquiry to obtain information about which loan option best suits your needs.

How can I make unscheduled repayments?

The unscheduled repayment option depends on the loan agreement selected. In some of our loan offers, it is possible to make unscheduled repayments at no additional cost. Please check the terms of your loan agreement to determine if unscheduled repayments are allowed in your specific loan agreement. If this option is not included in your current contract, please contact us and we will be happy to assist you in finding a suitable solution. Our team is ready to provide you with the best possible support and help you optimize your loan agreement.

I have forgotten my access data - who can I contact?

If you have forgotten your password to your CAPTIQ account, you can reset it via this link after entering your email address by clicking on 'Have you forgotten your password'.
If you have forgotten the email with which you registered at CAPTIQ, please use the contact form to get in touch with us.

What happens with my personal data at CAPTIQ?

We collect from you only the most necessary personal data for credit application.
We attach great importance to data protection and all our data is processed on German servers.
Detailed information on data protection can be found here.

Is CAPTIQ a bank? How is CAPTIQ different from a bank?

No, CAPTIQ does not have a banking license. Instead, we cooperate with individual, hand-picked financing partners such as Anadibank from Austria or Solaris SE from Berlin.
CAPTIQ models the entire loan process together with the refinancing partners. This means that the loan origination takes place in cooperation with our partner banks, but CAPTIQ handles the application and refinancing of the loans.

If you want to find out more about this, please click here.