Kapilendo – Banking. Aber besser.Banking. Aber besser.

The SME banking platform.

Your full-service partner for corporate finance, asset and cash management.

Learn more

Are you looking for business financing?

You will receive a response within 10 minutes on the financing feasibility and the expected interest rate.

Ask for financing (german companies)

Do you want to invest in projects?

Benefit from transparent investments in established SMEs with fixed interest rates. 

Have a look at the projects

What if your SME bank wasn't a bank?

Banking. But better. In line with this mantra, we offer much more than just financing. We do so without traditional intermediaries and we create a network of entrepreneurs and entrepreneurial investors.

Learn how we refine Banking

Corporate Finance

On the basis of our cutting-edge technology platform, we offer companies individual financing solutions in all phases of a company's evolution.

  •  Alternative financing solutions starting from 50.000 Euro
  •  Capital market financing up to 8.000.000 Euro with digital securities. 
  •  Providing access to private equity investors.

Learn more 

Investment Management

In an era of negative interest rates, we offer modern liquidity and wealth management solutions for companies and private individuals.

  •  Investments in SME projects
  •  Top-ranked Digital Wealth Management services
  •  Liquidity management for companies

Information on our investment management solutions

Our Team

Our Managing Directors

Christopher Grätz

Christopher Grätz

Co-Founder & CEO

Before founding Kapilendo, Christopher Grätz worked as a management consultant for KPMG AG in the area of Strategy & Operations - Financial Services. He advised major German and international banks and DAX-30 industrial companies. Christopher holds a Master's degree from the University of St Andrews and is a certified banker.

Jens Siebert

Jens Siebert


Prior to Kapilendo, Jens Siebert was co-founder and CEO of wevest Digital AG. He was responsible for the development of a digital investment banking service. Before that, Jens was responsible for digital and corporate customer strategy at the Federal Association of German Volks- and Raiffeisen Banks. He started his career at KPMG AG in the Financial Services division.

Ralph Pieper

Ralph Pieper


Before joining Kapilendo, Ralph Pieper worked as a management consultant for KPMG AG for three years, advising well-known banks and insurance companies on issues relating to process optimisation and digitisation. Prior to that, Ralph worked on a global level for seven years as a controller for Daimler Financial Services AG. 

4.7 Sterne – basierend auf Bewertungen von echten Unternehmen & Anlegern.

Top-Innovator 2019

Ausgezeichnet als Top-Innovator 2019.

Wir sind Testsieger im Test der Euro am Sonntag gemeinsam mit dem DKI: Beste Unternehmensfinanzierung

Getestet und ausgezeichnet als Testsieger mit bester Unternehmens­finanzierung.
Bekannt aus:
Süddeutsche Zeitung
NZZ – Neue Zuercher Zeitung
Berliner Morgenpost
FAZ – Frankfurter Allgemeine Zeitung
Boersen Zeitung