VR Smart Finanz

VR Smart Finanz presents itself as a provider of financing and digital services for businesses. Its offering includes the VR Smart flexibler Unternehmerkredit of up to 100,000 euros, hire purchase (Mietkauf), leasing, supplementary insurance, and digital tools such as the VR Smart Guide finance planner and the Bonitätsmanager credit-rating service. The VR Smart Guide is described as the finance planner of the Volksbanken Raiffeisenbanken, and registration is possible via a Volksbank Raiffeisenbank or directly online.

The available evidence describes VR Smart Finanz's current offering rather than a dated corporate history. Its website presents financing products for businesses — the VR Smart flexibler Unternehmerkredit of up to 100,000 euros, hire purchase, leasing and supplementary insurance — alongside digital services. The VR Smart Guide is described as the finance planner of the Volksbanken Raiffeisenbanken, and the Bonitätsmanager lets users view and compare credit-rating scores from Creditreform and SCHUFA free of charge. The site also reports that the VR Smart flexibler Unternehmerkredit placed second out of eleven providers tested in the overall 'Bester KMU-Kredit' ranking (Test €uro am Sonntag, issue 39/2025).

Financing and digital services for small and medium-sized businesses, including balance-sheet-neutral and liquidity-preserving leasing.

• VR Smart flexibler Unternehmerkredit

  A business loan of up to 100,000 euros, available online or in a single conversation.

• Mietkauf

  Hire purchase for new or used objects with automatic transfer of ownership.

• Leasing

  Use objects instead of buying them, described as balance-sheet-neutral and liquidity-preserving.

• Absicherung

  Supplementary insurance protection for a financing arrangement.

• VR Smart Guide

  A digital finance planner for quick and simple bookkeeping, described as the finance planner of the Volksbanken Raiffeisenbanken; a desktop application for PC with a supplementary app.

• Bonitätsmanager

  A free service to view, compare and understand credit-rating scores from Creditreform and SCHUFA, available on the web and via an app for iOS and Android.

1. 1VR Smart Finanz - VR Smart Finanzvr-smart-finanz.de
2. 2VR Smart Finanz - Digitale Servicesvr-smart-finanz.de
3. 3VR Smart Finanz - VR Smart Guidevr-smart-finanz.de
4. 4VR Smart Finanz - Bonitätsmanagervr-smart-finanz.de
5. 5VR Leasingwikidata.org