smava
German online platform for comparing and brokering consumer loans.
Available information varies by company and source.
Profile record updated:
Company facts
- Official name
- smava GmbH
- Entity type
- COMPANY
- Founded
- 2007
- Headquarters
- Kopernikusstraße 35, 10243 Berlin
- Company size
- 501–1,000
- Market role
- B2C Consumer App / Platform
- Official website
- smava.de
What smava does
smava operates a digital intermediation model in consumer lending. It attracts borrower demand through its comparison portal, referral mechanics and affiliate distribution, matches users with partner-bank loan offers, and converts qualified traffic into completed loan applications and disbursements. Value is created by reducing search friction for consumers, improving lead quality for banks and monetising funded-loan outcomes rather than charging end users upfront.
Category differentiation
smava is not a bank or balance-sheet lender. It is a German digital comparison and brokerage platform that connects borrowers with partner banks and monetises funded-loan outcomes.
Strategic context
AI-supported assessment from the existing company research; distinguish interpretation from sourced facts.
smava GmbH is a German consumer-finance marketplace focused on personal loan comparison and digital loan brokerage. It operates a consumer-facing platform that aggregates loan offers from more than 20 partner banks, enables a SCHUFA-neutral preliminary credit check, and supports end-to-end online loan applications. The company is not a bank; it acts as an intermediary between borrowers and lending institutions. It also runs an affiliate partner programme that allows publishers and performance partners to refer traffic into its loan-comparison funnel. The business earns revenue primarily through commission-based brokerage fees paid by partner banks when loans are successfully disbursed. Consumers access the comparison platform and advisory support free of charge, while affiliates are compensated on a pay-per-sale basis tied to completed loan payouts. Its direct customers are German consumers seeking personal loans and refinancing, plus affiliate and publishing partners monetising finance-related traffic.
Business model & monetisation
The primary monetisation mechanism is commission-based brokerage: partner banks pay smava for successfully originated and disbursed loans. The affiliate programme uses a pay-per-sale model, under which smava shares part of the funded-loan economics with publishers and affiliates that refer converting borrowers. Consumer access to the platform and advisory support is free, making conversion volume and funded-loan quality the main commercial drivers.
- Loan brokerage commissions from partner banks
- Percentage Take-Rate
- Affiliate partner programme economics
- Percentage Take-Rate
- Advisory support tied to loan conversion
- Service Fee
Products & capabilities
No products with linked sources are available in this view.
Products & market categories
Competitors & alternatives
- Clar
Cross-border credit brokerage and lending infrastructure platform.
Side-by-side comparisons
Recent recorded signals
Dates refer to the source publication. Older entries are historical context, not evidence of a new event.
No sufficiently sourced and dated signals are available for this view.
Explore company relationships
Questions about smava
What is smava?
smava is a German online consumer-loan comparison and brokerage platform that connects borrowers with offers from partner banks.
Who uses smava?
German consumers seeking personal loans or refinancing use the platform, while partner banks and affiliate publishers use it as a distribution and acquisition channel.
How does smava make money?
smava earns commissions from partner banks when referred loans are successfully disbursed and shares performance-based economics with affiliates.
Sources & coverage
This profile uses public, official and technically observable information. Missing information does not prove that a product or relationship does not exist. The list below does not imply that every profile statement has been verified.
15 publicly documented primary sources and citations linked across the market graph.
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