Personal & business
Credit backed by your assets. Cashback on your spending.
Premium cards for personal and business spending, plus asset-backed lending for businesses. Use eligible assets as collateral to access credit, with cashback on eligible purchases.
01 / The card
Your assets can support your card.
Use eligible assets as collateral for a credit facility linked to your card. Review the credit available to you, the cost of borrowing and how repayment works before you spend.
Start with eligible assets.
Your assets support the borrowing. The collateral accepted and its assessed value determine what can be considered for credit.
Borrowing is secured against your assets. Their value can change, and pledged assets may be sold if the loan’s requirements are not met.
02 / The reward
Premium cashback. Personal and business.
Earn cashback on eligible purchases with your Finanzer card. Compare the programme for your spending: the reward rate, any cap, qualifying purchases and when cashback becomes available.
- Personal
- Rewards on your eligible everyday spending.
- Business
- Rewards on eligible company purchases.
Card fees and borrowing costs still matter. Cashback is a spending reward, separate from returns on investments.
Explore cashback03 / Business lending
Business funding, backed by eligible assets.
Explore financing secured against eligible assets. Start with the amount your business needs and the assets you want considered, then review the proposed credit, total cost and repayment obligations.
The collateral supports the loan and remains at risk under its terms.
Explore business lending
The financial picture
Know what you own. Know what you owe.
Cash, available credit and outstanding debt are different things. Review them alongside the assets pledged, repayment obligations and cashback earned—so a spending decision starts with the right financial picture.
Understand asset-backed creditCredit & assets
Demo account
Separate from your borrowing
Credit you have not used
- Outstanding debt
- €5,000.00
- Pledged assets
- €40,000.00
- Repayment obligations
- Per credit agreement
- Cashback earned
- €126.00
Make an informed choice
Compare the whole offer.
A card or loan should fit both your spending and your assets. Check eligibility, accepted collateral, card fees, borrowing costs and repayment terms alongside the cashback programme.
Tell us your country and whether you are looking for a personal card, a business card or business lending.
Discuss your requirements| Eligibility | Your country, customer type and eligible assets. |
|---|---|
| Total cost | Card fees, borrowing costs and total repayment. |
| Collateral | Valuation, ongoing requirements and the conditions for a sale. |
| Cashback | The rate, cap, exclusions and payment timing for your programme. |
Built around the core
The services behind your financial relationship.
Accounts and payments support everyday money movement. Business controls help organise company spending. Treasury and Agent bring financial context into view, while APIs support eligible integrations.
Explore the platform
Choose what your money needs next.
Explore a card for your own spending, a card for your business or asset-backed business lending. Start with the product that fits your needs.