Whether you’re renting out a property or approving financing: FINcredible automatically shows you whether your tenants or borrowers can afford the monthly payment — based on real account data.
Industries · Real Estate
Renting. Financing. Trust at a glance.
About This Industry
FINcredible brings transparency and confidence to real estate decisions by turning real account data into reliable affordability and creditworthiness insights.
Whether assessing prospective tenants or borrowers, the entire process is digital, secure, and designed to deliver clear results without paperwork, outdated documents, or unnecessary complexity.
Choose your focus
For Landlords & Brokers
FINcredible helps you find solvent tenants before the lease is signed.
For Lenders & Banks
FINcredible helps you assess a borrower’s affordability before the financing is approved.
For Landlords & Brokers
Can your tenant afford the rent?
FINcredible calculates the rent burden ratio, the share of monthly income that goes to rent, from real account data.
Rent Burden Ratio
FINcredible automatically calculates the ratio of monthly rent to income.
Creditworthiness Check
FINcredible assesses a tenant’s creditworthiness based on current account data.
Identity Verification
FINcredible verifies an applicant’s identity digitally, with no in-person appointment.
Income & Employer Verification
FINcredible generates proof of income and employment automatically.
For Lenders & Banks
Can your borrower carry the installment?
FINcredible calculates the debt service ratio (DSR), the relationship between monthly loan payment and income, and adds a digital household budget for the full picture.
Debt Service Ratio (DSR)
FINcredible automatically calculates the monthly loan burden relative to income.
Digital Household Budget
FINcredible generates an overview of income and expenses without manually collected bank statements.
Creditworthiness Check
FINcredible assesses repayment capacity based on real account data.
Income & Employer Verification
FINcredible generates proof of income and employment digitally.
Online Shop: Your Personal Extract in Minutes
Need to prove it yourself?
In the FINcredible online shop, tenants and borrowers order their personal extract directly.
Tenant Extract
FINcredible’s tenant extract shows landlords and brokers that you can afford the rent.
Financing Extract
FINcredible’s financing extract gives your bank or financing partner a verified overview of your finances.
Our results in numbers
100% digital
Verification without paperwork
From consent to result, the entire process runs online.< 1 minute
Time to result
That's how fast you get the rent burden ratio or debt service ratio.1 data source
Real-time account data instead of documents
No more scanned pay slips or outdated credit reports.Ready to Secure Your Business. Contact Us Today & Scale Your Growth
Industry set of features
Before renting out a property, you want to know one thing: can this person actually afford the rent? The rent burden ratio shows you at a glance how much of your prospective tenant’s monthly income actually goes toward rent — backed by a creditworthiness and identity check, so you know exactly who’s applying.
Rent Burden Ratio
We automatically calculate the ratio between monthly rent and your tenant's income — the key metric for a realistic assessment of affordability.Creditworthiness Check
Based on real, current account data instead of outdated credit reports or scanned pay slips.Identity Verification
Confirm that the applicant really is who they claim to be — digitally, with no in-person appointment required.Income & Employer Verification
An automatically generated proof of income and employment status for your prospective tenants — no scanned pay slips or employment contracts needed.Trusted by Europe’s Leading Enterprises
From established financial institutions and property managers to high-growth digital platforms, market leaders rely on FINcredible. As a fully regulated, PSD2-authorized partner, we provide the real-time, fraud-proof bank data our clients need to make smarter decisions and build lasting trust
Why FINcredible
Regulated. Accredited. Deal-Ready.
FINcredible makes complex creditworthiness and identity verification processes simple, intuitive, and digitally accessible for landlords, brokers, lenders, and their tenants or borrowers.
As an FMA-regulated account information service provider under ZaDiG 2018 and an accredited ID Austria partner, FINcredible combines regulatory security with modern process digitalization.
Decisions in Real Time
Identity, account data, creditworthiness, and fraud risks are securely verified and analyzed in real time enabling faster, more informed customer processes.
Modular. Scalable. Tailored.
From individual modules to a complete solution suite flexibly adaptable to your industry and operational processes.
Simple & Accessible
Complex technology, designed for seamless usability for your teams and customers, without technical barriers.
How FINcredible Works? Technology and infrastructure for secure digital financial, identity and verification processes.
Modular services for secure, digital and compliant customer processes.
Analytics & Data Intelligence
Real-time analytics for informed financial and regulatory decision-making.
Integration Support
Seamless integration into existing systems via API, WebApp or white-label solutions.
Customization
Custom verification and decision models tailored to industry, risk and process requirements.
Ready to verify tenant applicants beyond doubt in under a minute?
More Case Studies
Check out our case studies.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis. Class aptent taciti sociosqu ad litora torquent per.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis. Class aptent taciti sociosqu ad litora torquent per.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis. Class aptent taciti sociosqu ad litora torquent per.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc vulputate libero et velit interdum, ac aliquet odio mattis. Class aptent taciti sociosqu ad litora torquent per.
For Landlords & Brokers
For Lenders & Banks
The Online Shop: Ordering an Extract
What is the rent burden ratio?
The rent burden ratio shows the relationship between monthly rent and a tenant’s monthly income — a key metric for realistically assessing whether someone can afford the rent.
How quickly do I get the result?
Rent burden ratio, creditworthiness, identity, and income/employer verification are typically available within minutes.
Do I need technical expertise as a landlord?
No. You invite your applicants, and the rest runs automatically.
What is the debt service ratio?
The debt service ratio (DSR) shows the relationship between the monthly loan installment and a borrower’s income — a key basis for your financing decision.
What does the digital household budget add?
It shows all recurring income and expenses — giving you a more complete picture than the debt service ratio alone.
Can I use the creditworthiness check and debt service ratio separately?
Yes, both solutions can be used individually or combined.
Who can order an extract?
Any individual who wants to prove their rent burden ratio or debt service ratio to a landlord, bank, or financing partner.
How long does the order take?
Ordering and generating your extract takes just a few minutes.
Is my order secure?
Yes, your data is used exclusively to generate your personal extract and is processed securely.
Testimonials
See what our clients say about working with us.
5/5
“FINcredible demonstrates what responsible handling of user data protection can look like. For the founders, data privacy is a top priority.”
Philipp Kinsky, Partner, HERBST KINSKY Rechtsanwälte GmbH
5/5
“FINcredible has an enormously strong team. With their product ‘FINcredible MietCheck’ and their focused market approach, this FinTech company has extraordinary potential.”
Patrick Pöschl, Chairman, Fintech Austria
5/5
“ImmoScout24 continuously improves its service for property seekers. The partnership with FINcredible for creditworthiness checks helps future tenants present themselves competently and credibly to landlords, while protecting their data far better than has traditionally been common practice.”
Markus Dejmek, Austria Country Manager, ImmoScout24
5/5
“Currently, willhaben lists more than 20,000 rental apartments and over 1,300 houses for rent. Once someone has found their dream property with us, they often have very little time to stand out against other prospective tenants. That’s why we’re glad to have FINcredible as a partner at our side, making the property search even easier for our users while placing just as much value on security and data protection as we do.”
Judith Kössner, Head of Real Estate, willhaben
5/5
“We wanted to close the gap between modern property management and well-founded tenant decisions. With FINcredible, we’re integrating a solution that creates transparency and supports owners in one of the most important decisions in the rental process.”
Laurens Pohl, CEO, ImmoAssist
5/5
“Our goal is to make financing as simple as possible, without losing sight of responsibility or reliability.”
Herbert Hirscher, CEO, Mercedes-Benz Financial Services Austria
5/5
“With this modern solution, which we are initially testing in the Diocese of St. Pölten and then plan to roll out across Austria, we are creating a win-win situation: more efficient processes for us, the highest security for our donors, and an active contribution to environmental protection.”
Christoph Riedl, Secretary General, Caritas St. Pölten
Fill in the form and you will receive an answer as soon as possible.
Our team of experts is ready to answer your questions, give you more info and help you.
