rent2buy L GmbH – Rent now. Buy later.

Our BaFin‑exempt rent2buy solution feels like a 72‑month financing alternative - designed for consumers, startups, and anyone with irregular income - who want to realize their desired purchase or investment plan without a credit bureau check. Even if no one believes in your business idea or investment decisions, our platform gives you a vote of confidence and shares your vision of future success. And sometimes, you simply deserve to reward yourself with a “must‑have” product — even when it seems a little unreasonable.

Rent now.

Convenient renting by a simple customer upload of ID and proof of income in our system, followed by identity verficiation via our own POSTIDENT-process.

Buy later.

Final sale of the rented goods to the tenant without any liquidation effort - a financing alternative with attractive conditions and low monthly burden.

Business Idea

Accelerate, don't hesitate.

Founded in 1986 by today’s Managing Director Norbert Sieber, rent2buy L GmbH set out to build a bank‑independent financing platform to accelerate and simplify investments. Developed with our team of highly specialized software engineers, the online FinTech tool rent2buy was first successfully deployed in the online shop rent2buyMUSIC.de. This shop for music and event equipment quickly evolved into the No. 1 RNBL portal with the highest number of active contracts.

Our team

Norbert
Sieber

Managing Director + founder
Certified Credit Controller ®
Specialist Assistant for Tax and Economics

Norbert Sieber
Managing Director + founder
Certified Credit Controller ®
Specialist Assistant for Tax and Economics

Anja
Sieber

Head of Controlling
Accounts Receivable Management

Anja Sieber
Head of Controlling
Accounts Receivable Management

Reinhold
Sieber

Head of MI store sales on site
Field service contacts coordinator

Reinhold Sieber
Head of MI store sales on site
Field service contacts coordinator

Alexander
Sieber

Money laundering reporting officer
Prokurist rent2buy L GmbH

Alexander Sieber
Money laundering reporting officer
Prokurist rent2buy L GmbH
educational retail services assistant

Philipp
Sieber

Co-Head of Operations
Retail Services Assistant
Certified Credit Controller ®

Philipp Sieber
Co-Head of Operations
Retail Services Assistant
Certified Credit Controller ®
Qualified Collecting Funds Expert

Michael
Stockmann

Senior Tax Consultant
Chief Accounting Officer (CAO)

Michael Stockmann
Senior Tax Consultant
Chief Accounting Officer (CAO)

Jonathan
Riedmair

Head of IT
Senior Fullstack Developer

Jonathan Riedmair
Head of IT
Senior Fullstack Developer

Grafik Figur
 
 
55.6 %

RNBL has a name – rent2buy

rent2buy is the contemporary way to finance larger investment projects. More than half of Germany’s population aged 18 to 45 (~15.3 million) would be willing to take out a loan for a consumer product (source: mafo.de)..

With the web‑based rental solution rent2buy, nearly all business processes — from order intake and credit decision to contract management and shipping — can be largely automated.

The core of the business model is a proprietary, cloud‑based system that handles all business processes for granular customer investments across varying credit profiles.

1

Order

  • Online product overview with individual­ized rental rates
  • Automated dispatch of the order confirmation
  • The modern customer portal MYrent2buy guides prospects through the next steps.
2

Credit assessment / Credit check

  • Online BONIMA-Rating check (Creditreform)
  • Automated Ident­ification / Verification (proprietary POSTIDENT-process)
  • 1‑cent transfer to verify bank account details and perform parallel ident­ification
  • System-initiated requests for additional documents
  • ID and proof of income by customer upload in our system

approx. 4 minutes
(internal time per contract)

3

Contract signing

  • System-generated contract is sent to the customer digitally
4

Procurement / Shipping

  • Order picking and shipp­ing via a pro­prietary UPS-Interface, partial JIT direct delivery

approx. 2 minutes
(internal time per contract)

The entire, largely auto­mated process is highly efficient and supported by a pro­prietary, license‑free software so­lution that is unique in this field.

This software can be readily adapted to any industry and can there­fore also be used flexibly as the basis for a novel installment‑payment system in third‑party online shops.

Highly efficient and flexible

Credit ass­essment and lending de­cisions for customer appli­cations with varying credit profiles are made without SCHUFA inquiries using pro­prietary big‑data algo­rithms, replacing complicated and costly financing processes.

The license‑free software can be readily adapted to additional industries and serves as a highly efficient, flexible building block for a novel installment‑payment system in third‑party online shops.

Rent-Pay-Core - Konzept