Brain Capital is a German education-financing provider focused on widening access to higher education. Its model allows qualified students to begin their studies without the immediate financial burden of tuition fees. In return for financing, participants repay an affordable share of their future income, linking the cost of study to their circumstances after graduation. The approach is intended to help students access high-quality qualifications regardless of their financial background and pursue their professional potential.

Brain Capital offers study financing and works with partner universities and institutions. It also invites universities to become partners and investors to participate in its financing model. The company reports receiving top ratings year after year in the independent student-loan test conducted by Germany’s Centre for Higher Education (CHE). In addition, the European Investment Fund has signed guarantee agreements with several Brain Capital subsidiaries, supported through the European Fund for Strategic Investments’ pilot project for skills and education. Through these activities, Brain Capital connects students, educational institutions and investors around a flexible approach to funding studies.