ELEMENT is the first young company licensed by the German Federal Financial Supervisory Authority (BaFin) as a direct insurer for non-life insurance, which enables ELEMENT to act as a risk carrier, including claims settlement, EU-wide. ELEMENT offers a unique technology platform with a focus on the B2B2X value chain: As a white-label product factory, ELEMENT develops innovative insurance products at record speed. These products are then marketed by the various partners under their own brand.

Management Team: Dr. Christian Macht, Dr. Wolff Graulich, Sascha Herwig, Henning Groß, Iryna Zhovtobryukh, Anders Johnsen



Elinvar enables Asset & Wealth Managers to digitalize their business model. By combining cutting-edge technology and the regulatory expertise of a licensed financial portfolio manager, Elinvar offers its partners a comprehensive range of services. The platform’s flexibility enables the customized solution for each partner.

Managing directors: Chris Bartz, Sebastian Böttner, Marco Neuhaus



solarisBank is a digital banking platform with a German banking license, enabling both financial services businesses to expand their offering and opening the door to non-FS businesses to offer such services themselves. The company is able to passport the license to other EEA countries and hence is able to serve business partners in nearly any European country. solarisBank aims to build a global digital ecosystem for financial services: a place where any company can build its own, modern and scalable banking products – to enable the future of financial services.

Management Team: Dr. Roland Folz, Jörg Diewald, Andreas Bittner, Dr. Jörg Howein



BillFront operates a proprietary FinTech Lending & Factoring platform through which it provides working capital financing solutions to Technology and Media Companies worldwide. By providing faster access to their global receivables, BillFront fuels the growth of its B2B clients.

The Company’s self-developed, cloud-based and API-enabled platform connects with its customers’ accounting systems, media campaign dashboards and bank accounts. These features, combined with its deep industry know-how, underwriting expertise and client relationships, allow for computer-aided credit scoring, liquidity and covenant monitoring, as well as the real-time tracking of collateral.

As of 2019, BillFront originates ca. EUR 100 million in funding to the Technology & Media Sector, annually.


Managing directors: Gregor Dimitriou, Christopher Vogt



Clark is Germany’s leading digital insurance broker. Clark simplifies and digitizes the insurance brokerage process with a full service insurance package and smart insurance management and advisory services. Clark offers an insurance sales front-end allowing customers to easily buy and manage insurance contracts, and allows its customers access to their insurance policies anywhere and at any time. The solution is also offered as a white label digital insurance platform for partners, such as banks, insurers or brokers, that want to offer their customers a superior digital customer experience.

Managing directors: Marco Adelt, Steffen Glomb, Chris Lodde, Christopher Oster



financeAds International GmbH is an international affiliate network with a focus on the financial sector. The company, a joint venture between finleap and financeAds, helps leading financial service providers to market their products and services online. financeAds’ proprietary affiliate platform matches its partners with the most relevant online publishers, helping them to increase their customer base and online sales via highly measurable performance marketing campaigns in various verticals. The company extends the financeAds offering from Germany to seven other European countries, including the Netherlands, France, Italy, and Spain.

Managing director: Alvise Perissinotto



Joonko, a digital financial portal, enables consumers to find the financial and insurance products that are right for them. Inspired by the strength and willpower of Junko Tabeis, who was the first woman to climb Mount Everest, we have set the goal of eliminating the obstacles our customers face when switching and taking out car insurance. Further products to come soon. Joonko was founded in 2019.

Management Team: Dr. Carolin Gabor, Dr. Andreas Schroeter & Eric Lange


PAIR Finance

PAIR Finance is Germany’s first digital AI-operated debt collection service with integrated behavioral science principles. PAIR Finance offers its partners full debt collection services with intuitive digital payment solutions for individual debtors. Its digital communication, big data and behavioral science-based approach enables quicker communication, higher recovery rates and stronger customer loyalty.

Managing director: Stephan Stricker



Penta offers fast and easy banking solutions for small and medium sized companies. Companies can sign up online in minutes and receive a German IBAN, issue debit cards to their teams to better manage expenses, sync transactions with their accounting software, as well as send and receive international payments in different currencies at a very competitive commission rate. Penta was launched in December 2017 and currently its services are used by more than *7,500* customers in Germany. The company has offices in Berlin, Milan and Belgrade.

Management Team: Marko Wenthin, Jessica Holzbach, Luka Ivicevic, Matteo Concas, Lukas Zörner and Igor Kuschnir



Perseus provides a comprehensive but simple Security-as-a-Service solution to SMEs for their cyber security and GDPR compliance that includes assessment, continuous risk management, human and AI-based prevention, incident management and insurance. Its system, starting with an AI-based security scoring model that continuously calculates and updates risk scores, automatically suggests measures to prevent breaches and adjusts risk scores based on the security technology used.

Managing directors: Richard Renner

finreach solutions

finreach solutions is the Software-as-a-Service market leader for account and brokerage account switching solutions in Europe.  finreach solutions aims to enable partners to unlock consumers’ financial power in one click. Together with the fintech innovation challengers and leaders, finreach solutions develops plug-n-play solutions that can seamlessly integrate with the offerings of their partners. The platform’s microservices architecture enables its business clients to have best-in-class interfaces and reduced back-end complexity.

Managing directors: Markus Dränert, Cornelia Schwertner, Taner Akcok