Brain Capital GmbH

Founded in 2005, Brain Capital is a pioneer in offering education financing in the German-speaking world. The company's core business revolves around the "Income Share Agreement" (ISA) model, where it manages education funds that invest in students' higher education. Instead of a traditional loan with fixed interest rates, students receive funding and, after graduation, pay back a pre-defined percentage of their income for a fixed period once they start earning above a certain threshold. This model aims to provide access to education regardless of a student's financial background while aligning the interests of the investor and the student.