Smava: Business Overview, Financials & Competitive Analysis
Smava scores 7/10 on the AskCyborg Cyborg Score (Strong). Well-capitalized credit comparison leader pursuing public markets with strong market unit economics and investor backing, positioned for growth in structured consumer lending. Smava demonstrates strong market positioning as a leading German fintech with €200M+ annual revenue, 320+ employees, and $156M+ in cumulative funding from top-tier investors. Recent bond prospectus filing (May.
What is Smava's industry? Smava (smava.com) operates in Financial Technology (Fintech). AskCyborg classifies Smava under Financial Technology (Fintech) in its company registry.
Smava is an aggregator of loan products and credit cards that provides a comparison platform for personal loans, annuity, line of credit, car loans, and mortgage loans, featuring a credit calculator and debt restructu...
Cyborg Score thesis
Well-capitalized credit comparison leader pursuing public markets with strong market unit economics and investor backing,...
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Get Current Report FreeSmava Overview
Pro stress-test →Smava is an aggregator of loan products and credit cards that provides a comparison platform for personal loans, annuity, line of credit, car loans, and mortgage loans, featuring a credit calculator and debt restructuring advisory services. The platform enables users to compare and buy loans online from multiple banks and lenders. Founded in 2007 and headquartered in Berlin, Smava is a leading fintech player in Germany's consumer lending market.
Strategic Profile
Pro stress-test →Smava is a Series E company founded by Alexander Artope and Eckart Vierkant. The company published a bond prospectus and applied for trading admission on Nasdaq Stockholm in May 2026, signaling preparation for potential public markets. On average, borrowers pay at Smava more than 35 percent less for their loan compared to the national average.
Competitive Landscape
Pro stress-test →Top competitors include companies like Raisin, CHECK24 and Savedo. Top competitors include CHECK24, Auxmoney and FileInvite. Smava competes primarily against comparison platforms and direct lenders in the German consumer credit market, differentiated by its bank aggregation model and consumer-favorable pricing transparency.
Industry Context
Smava operates in Financial Technology (Fintech).
Key facts
Founded: 2007 · Headquarters: Berlin, Germany · Employees: 320 · Revenue: €209M (2026) · Market cap: N/A