FinCompare review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

FinCompare is a German broker for business and property money, and it suits those with a trading business behind them.

Key facts

Best for
Business credit lines and property loans arranged through a regulated German broker.
APR
6% to 12% (Source, checked September 26, 2026)
Loan amount
from €10,000 (Source, checked September 26, 2026)
Term
6 to 180 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Funding time
Response guaranteed within 48 hours; disbursement within 24 hours possible (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Companies, sole traders and freelancers with an operating business; typically at least 2 years of trading history (Source, checked September 26, 2026)
Loan types
Business, Credit-line (Source, checked September 26, 2026)
Legal entity
FinCompare GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Features
Credit line
Official website
fincompare.de

Mortgages

Initial rate
4.1% (Source, checked September 26, 2026)
Fixed period
0.5 to 15 years (Source, checked September 26, 2026)
Maximum loan to value
70% to 80% (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, Buy-to-let (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
FinCompare GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)

Pros and cons

Pros

  • Business rates of 6% to 12% with an origination fee of 0 EUR.
  • Credit line and standard business lending covered under business and credit line.
  • Property finance for purchase, remortgage and buy-to-let, listed under purchase, remortgage and buy to let.
  • Support runs on phone, email and help centre, with a guaranteed response inside a short window.

Cons

  • FinCompare works as a broker, so partner lenders set the terms rather than one house rate.
  • Business borrowing starts from €10,000, so a small need falls short of the smallest sum on offer.
  • Property lending holds loan to value to 70% to 80% and fixed periods to 0.5 to 15.
FinCompare

Ready to try FinCompare?

Scored 8.9 / 10 by BorrowCue.

See alternatives

Who it suits

  • Property buyers, remortgagers and landlords who want an initial rate of 4.1% on a fixed deal.
  • Borrowers who would rather have a broker compare lenders for them.

Who should look elsewhere

  • Consumers shopping for a personal loan, where Plazo at 24.19% sits outside the business range of 6% to 12%.
  • Borrowers stretching a property purchase, since loan to value runs 70% to 80%.

How your money is protected

FinCompare works as a broker, so an application goes out to lending partners rather than sitting on its own book. It is registered with IHK Berlin for insurance mediation (D-IFPH-N4SSO-57) and for real estate loan mediation (D-W-107-SCFC-74), and both entries sit in the Vermittlerregister. Because it intermediates rather than lends, the rate you are offered is set by the partner lender, which is worth weighing next to a lender that lends directly.

The company behind it

FinCompare GmbH runs the service from Germany, and the company was founded in 2016. IHK Berlin lists it for insurance mediation (D-IFPH-N4SSO-57) and for real estate loan mediation (D-W-107-SCFC-74). Support runs on phone, email and help centre, so a response is guaranteed inside a short window and fast disbursement is possible, which suits borrowers who need money moving quickly.

How FinCompare compares

Where FinCompare is available

Available
Germany
Licence in Germany
Bezirksamt Mitte von Berlin, Ordnungsamt (loan brokerage permit under Sec. 34c(1) GewO, granted 11.01.2017), checked September 26, 2026
Licence in Germany
IHK Berlin (insurance mediation permit under Sec. 34d(1) GewO, Vermittlerregister) (D-IFPH-N4SSO-57), checked September 26, 2026
Licence in Germany
IHK Berlin (real estate loan mediation permit under Sec. 34i(1) GewO, Vermittlerregister) (D-W-107-SCFC-74), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a business loan cost?+

Business credit is priced at 6% to 12% and the origination fee is 0 EUR, so the money cost sits in the rate rather than in an upfront charge. Business loans across the site carry a median of 11.7%, so the offer you are given after an assessment is the figure to weigh.

How much can I borrow, and for how long?+

Borrowing starts from €10,000 and terms run 6 to 180, so this suits a company bill rather than a small personal one. A short personal need sits under the floor of the range, while longer repayment is available for larger company costs.

Does FinCompare lend the money itself, and how fast?+

FinCompare works as a broker, so applications pass to lending partners who set the final terms. A response is guaranteed inside a short window and fast disbursement is possible, and support runs on phone, email and help centre if you want progress while it moves.

Is the broker properly regulated?+

IHK Berlin lists it for insurance mediation under permit D-IFPH-N4SSO-57 and for real estate loan mediation under D-W-107-SCFC-74, both held in the Vermittlerregister. A loan brokerage permit also sits with Bezirksamt Mitte von Berlin.

Can I borrow against a property here?+

Property lending starts at an initial rate of 4.1% and can be fixed for 0.5 to 15, with loan to value of 70% to 80%. It covers purchase, remortgage and buy to let, so purchase, remortgage and buy-to-let are all in scope. Check that loan to value range against the deposit you have.

Is this a loan or a credit line?+

Both. The business product includes a credit line, listed under credit line, alongside standard business lending under business and credit line. A line lets you draw what you need rather than the full sum at once, so the cost follows what you use rather than the maximum.

Sources

  • fincompare.de checked September 26, 2026

    Backs: Funding time, Support channels

    “2-minuetige Online-Anfrage + Auszahlung innerhalb 24 Stunden möglich; Garantiertes Rueckmeldung in 48 Stunden”

  • fincompare.de/firmenkredit checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Loan types, Arrangement fee, Term

    “Ab 6 - 12 % p.a. Zinsen”

  • fincompare.de/immobilienfinanzierung checked September 26, 2026

    Backs: Fixed period, Initial rate, Maximum loan to value, Purpose

    “6 - 180 Monate Laufzeit”

  • fincompare.de/impressum checked September 26, 2026

    Backs: Legal entity, Lender type, Licences

    “FinCompare GmbH Moorbruckenstrasse 24 48282 Emsdetten - Handelsregister Amtsgericht Steinfurt Registernummer: HRB 16164”

  • fincompare.de/ueber-fincompare checked September 26, 2026

    Backs: Founded, Headquarters

    “An unserem Hauptsitz in Berlin schaffen wir fuer unsere Mitarbeiter ein transparentes Arbeitsumfeld”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Representative example.

FinCompare

FinCompare

Business credit lines and property loans arranged through a regulated German broker.

8.9/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings