As a team we turn business ideas into successful ventures. In conjunction with our up-and-coming FinTech partners, we develop next-generation financial services. Raisin Bank bridges the gap between your vision and regulatory, process and IT requirements. We are API and cloud native and pave the way for modern and easy-to-use financial products. Starting from our core market in Germany, we will accompany you to all EU countries.


We are a German full-service bank with passporting in 25 EU countries. This enables us to grant loans in Germany and the EU. Together we develop flexible loan solutions for consumers and SMEs.

Loan Fronting

With our fronting solution, we can support you throughout the entire loan process, depending on the business model, whether highly individual or fully digital, in Germany and the EU.

Loan Servicing

Managing loan portfolios is part of our core business. Since 2005, our experts have managed more than EUR 20 billion in outstanding receivables.


You would like to offer your customers modern payment methods by means of factoring, e.g. for “buy now, pay later”? We would be happy to assist you with our expertise from pan-European cooperations.

Transaction Banking

We are your competent partner for services in the field of account management with domestic and international payment transactions. Through accounts with Germany’s Bundesbank and the European Central Bank we have access to all payment transaction systems and affiliated banks in the eurozone.





Are you looking for a special solution for your business model? We would be happy to discuss with you additional ways in which you can benefit from our banking services.

Together we realize the FinTech visions of our partners

Scalable solutions for the next generation of financial services.

We currently have more than 30 active cooperations. Some examples:

WeltSparen offers its clients access to attractive savings and investment products throughout Europe. Around 1 million customers from 30+ countries have invested more than 50 billion euros in deposits via the WeltSparen platform. Raisin Bank takes over the entire KYC process as well as account management and international payment transactions.

BERGFÜRST offers crowd financing solutions for real estate projects. In this way, the platform provides real estate companies with standardised access to mezzanine capital for their project development or for refinancing existing real estate. Raisin Bank grants the respective project loan and refinances itself with the investors.

Creditshelf is one of the leading digital marketplaces for SME loans. Through innovative, digital processes, creditshelf customers have the opportunity to obtain fresh capital very quickly and conveniently. The company has been listed in the Prime Standard of the Frankfurt Stock Exchange since the summer of 2018. Raisin Bank makes it possible to grant loans by means of its full banking licence.

Invest in Visions gives institutional and private investors access to so-called ‘impact investments’. As one of the first microfinance investors, Invest in Visions launched the first fund for private and institutional investors in this asset class in Germany in 2011. Raisin Bank assists in the review and granting of loans.

Moss is a technology-based corporate spending and credit card platform that enables companies to optimize their finances. Startups, tech companies, and SMEs can issue physical and virtual employee credit cards and manage all company spending using the intuitive Moss software. Raisin Bank provides the underlying credit line behind the cards.

Myos is a fast-growing Berlin-based FinTech that supports merchants in the financing of goods. With customized, fully digital financing solutions, customers can optimize their merchandise management. Raisin Bank enables the fast, digital granting and payout of loans.

Scalapay is a FinTech from the “Buy Now Pay Later” market, founded in Italy in 2019. Customers can pay for their online, instore or omnichannel purchases easily and interest-free in 3 installments with merchants from Germany, Italy and France. With their “Payment as a shopping Service” solution the company entered the German market together with Raisin Bank, which takes care of the regulatory part of the factoring business.

Teylor is a Swiss technology company and a leading platform in the field of SME loans. As part of the joint cooperation, Teylor AG uses the Teylor Debt Fund and its proprietary platform to select SME loan applicants based on its own scoring model. Raisin Bank assumes the role of fronting bank, in which it is responsible for all activities subject to regulatory supervision.

Mondu is a Berlin FinTech founded in 2021, which offers modern online payment solutions in the B2B market. In Germany, online marketplaces and merchants can be provided with a buy-now-pay-later payment option for their respective end customers. These B2B customers can pay by invoice and in installments easily and free of charge. Raisin Bank assures the regulatory requirements for factoring and provides payment and account services.

Bumper is a British FinTech with a Buy Now Pay Later solution for auto repair shops. Participating dealers and workshops offer their customers to pay their bills in 3-9 monthly installments. Raisin Bank assures the regulatory requirements for factoring and provides payment and account services.

Contact us!


We are at your disposal for questions and ideas.


Send us an email to with your contact details and we will get back to you promptly.