CAPTIQ

CAPTIQ is a fintech company specializing in providing digital business loans to regulated professionals in Germany, such as doctors, lawyers, tax advisors, and architects. Founded in 2021 by Soraya Braun and Roman Rittmann, the company aims to streamline the lending process for this specific professional group. Both founders have a background in finance; Soraya Braun previously worked in corporate finance and investment banking, while Roman Rittmann has experience in banking and financial services. The company offers unsecured loans ranging from €10,000 to €250,000. These loans can be used for various business purposes, including start-ups, practice or firm takeovers, and other investments, without requiring proof of fund usage. The entire application process is digitized and can be completed online in approximately 10 minutes, with a credit decision made within 24 hours and funds disbursed within a few business days. CAPTIQ's business model is based on charging interest on the loans it provides. A key feature of their offering is the flexibility it provides, allowing for partial or full early repayment at any time without a prepayment penalty. CAPTIQ operates by partnering with Raisin Bank for the loan processing and banking services, which provides the regulatory framework for their lending activities. This partnership allows CAPTIQ to focus on its core competency: a proprietary, data-driven credit analysis model tailored to the financial profiles of regulated professionals. This model enables the company to make quick and accurate lending decisions. The company also offers a dashboard for financial advisors to apply for loans on behalf of their clients and has an affiliate program. Keywords: digital lending, business loans, regulated professionals, fintech, unsecured loans, collateral-free financing, online loan application, SME financing, professional services financing, Germany