43 questions answered

Alpen Kredit Group GmbH is a credit broker operating in several European countries since 2015. We are not a bank: we help individuals and businesses find the best financing solutions through our network of partner financial institutions.

No. We are a credit broker (Kreditvermittler). Our activities comply with the legal obligations applicable to credit brokers in each country of operation. We do not accept public deposits and do not grant credit directly.

We operate in several European countries: Germany, France, Belgium, Luxembourg, Austria, Switzerland, Netherlands, Spain, Italy, Portugal, Poland and Czech Republic.

Yes, 100% free for all individuals without exception. No file fees, no commission, no subscription. Our fees are covered by partner financial institutions.

We receive a commission from partner financial institutions when a financing is approved and disbursed. This commission is included in the overall cost of the loan and does not increase the rate offered to you.

Since 2015, we have assisted private individuals and companies with their financing projects and developed a network of banking partners in several European countries.

Our activities are conducted in compliance with the legal obligations applicable to credit brokers in each country of operation. We interact with the relevant supervisory authorities (BaFin, ACPR, FSMA, CSSF) in accordance with our regulatory obligations.

Your data is encrypted with AES-256, stored on servers in Europe, and never sold to third parties. We apply ISO 27001 standards and comply with GDPR. See our Security page for more details.

None. No file fees, no subscription, no commission, no study fees, no intermediation fees. Your file review is 100% free and non-binding.

No. If your file does not proceed, you pay nothing. The service is completely and unconditionally free.

No. On the contrary, our network allows us to offer you volume-negotiated rates, often lower than what a bank would offer you directly.

For standard SME financing requests, the service is also free. For complex structuring operations (LBO, M&A, mezzanine debt), advisory fees may apply and are communicated in writing before any engagement.

Absolutely. We present all received offers. You choose freely or decline without any consequence or cost.

Create an account on our platform, fill out the application form and upload your documents. Our team will contact you within 24 hours to complete your file.

The list depends on the type of financing. For a residential mortgage for an employee: ID, proof of address, 3 pay slips, tax notice and bank statements.

In-principle response within 48 working hours for any complete file. Final offers from banking partners are generally received within 5 to 10 working days.

Yes, from your client area you can track the status of your file in real time, download your documents and communicate with your advisor.

Yes. We submit your file in parallel to several partners selected according to your profile. You then receive the best offers to compare.

Your dedicated advisor contacts you to tell you exactly which documents are missing. The file is put on hold until receipt.

Yes, as long as your file has not been submitted to partners. Contact your advisor for any changes to amount, duration or project type.

Yes, this is our main segment. We cover residential purchases, buy-to-let investments, first-time buyers, foreigners buying in Europe and holiday properties.

Yes. Business loans, working capital lines, sale and leaseback, factoring, equipment financing, LBO financing and business acquisitions — we cover all SME financing needs.

Renovations, vehicle purchase, education financing, travel, debt consolidation, personal projects. Amounts from €1,500 to €75,000.

It is the consolidation of several loans into a single loan with one reduced monthly payment. This simplifies management and can significantly reduce the monthly debt-to-income ratio.

Yes, for operations from €500,000 to €50 million. We structure senior debt, mezzanine debt and connect with investment funds if needed.

Yes. Our network includes several banks specialising in sustainable financing: subsidised loans for energy renovation, ESG investments and renewable energy projects.

Personal loan: €1,500 to €75,000. Mortgage: €50,000 to €5 million. SME financing: €10,000 to €10 million. Beyond that, please contact us.

Yes, this is one of our strengths. We have specific experience with expatriate and foreign national files buying in Germany, France and Belgium.

AES-256 encryption for data at rest, TLS 1.3 in transit, multi-factor authentication, annual security audit. Your data is hosted exclusively in European data centres.

No. We only transmit the information necessary for the review of your file. Each partner signs a non-disclosure agreement (NDA) before any access.

Yes, at any time. In accordance with GDPR, you can exercise your right to be forgotten by sending a request to info@alpen-kredit.com. Deletion within 48 hours.

Our DPO can be reached at info@alpen-kredit.com and handles all requests relating to your personal data within a maximum of 30 days.

KYC verification of all clients, monitoring of suspicious transactions, reports to financial intelligence units (Tracfin, FIU), sanctions list checked daily.

A client account cannot be created directly. First submit a financing application. Once your file has been reviewed and approved, we create your account and send you an email with an activation link to set your password and log in.

Yes, your client area allows you to track multiple applications in parallel, with independent statuses and dedicated advisors for each project.

Via the internal messaging in your client area, by email or WhatsApp. Your dedicated advisor also proactively calls you at each important stage.

Click 'Forgot password' on the login page. You will receive a reset link by email within 2 minutes.

Our platform is fully responsive and optimised for mobile. A native iOS and Android app is in development for 2025.

KYC (Know Your Customer) is the legal verification of client identity. It is required by the 5th EU Anti-Money Laundering Directive (AMLD5) to prevent fraud and terrorist financing.

A valid ID (national ID or passport) and a recent proof of address (less than 3 months). For legal entities, a recent company registration extract is also required.

We use a combination of artificial intelligence and human verification. AI analyses document authenticity in real time, and an analyst validates complex cases.

Yes, fully. Documented legal basis for each processing, up-to-date records of processing activities, designated DPO, retention policy limited to the legal duration.

Any suspicious transaction is reported to the competent financial intelligence units (Tracfin in France, FIU in Germany) within legal deadlines. Zero tolerance for money laundering.