Our platform

Want to get a first impression of the platform and find out how each step of the process works? You’ve come to the right place.

Quick & simple

5 steps to a successful lending agreement



Free registration

Free registration


Request the registration documents from the komuno team by e-mail. Complete and submit the simple registration form. Your organisation’s user accounts will be created immediately.

Request the registration documents from the komuno team by e-mail. Complete and submit the simple registration form. Your organisation’s user accounts will be created immediately.

Create profile

Create profile


Create a profile for your municipality/local authority. Enter your contact details, important budget-related documents and data so that new investors can get to know you.

Create a profile for your organisation. Enter your contact details and key documents, and configure your standard settings to further accelerate the bidding process. Examples of key documents: latest balance sheet, annual report

Create and publish request for tender

Receive and review requests for tender


Create and save your request for tender in just a few clicks. Decide which investors should see each request. Depending on your settings, either you or your colleagues can publish the request.

You will be automatically informed of new requests for tender by e-mail or browser notification. You can then use komuno to view the details and submit an offer. Alternatively, integrate komuno with your own core banking system. Members of the Sparkassen-Finanzgruppe use their core system OSPlus to interact with komuno. Ask us about your system too.

Receive offers

Submit offers


Receive attractive offers from your selected investors. You can send them any questions directly using the integrated chat feature.

Submit one or more offers based on the type of loans requested. You can upload standard or fully bespoke offers.

For municipalities/local authorities

Compare offers and select the best fit

For lenders

Receive offer acceptance

Offers are presented in a user-friendly matrix so you can compare them at a glance and select the one that best meets your needs.


Automatic notification by e-mail or in your browser when the municipality/local authority chooses an offer.

About komuno

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Recommended news:

July 7, 2020
Thomas Eitenmüller

Press release – komuno is growing – Susan Niederhöfer hands over baton to Thomas Eitenmüller

Susan Niederhöfer, Managing Director of komuno, the digital platform for municipal loans, is on maternity leave from July 2020. With mixed emotions, she hands over her tasks to Thomas Eitenmüller: "Thomas is the ideal successor." says Susan Niederhöfer. "We worked well together for many years before the komuno foundation and I am sure that he will continue to take komuno on its growth trajectory. The foundation of komuno GmbH and its expansion into one of the most important municipal credit platforms in Germany was for me the most exciting and intensive phase of my career. Now I'm looking forward to the next chapter."
October 24, 2019

Press release – Cooperation enables digital application process for promotional loans

komuno and IKOR simplify the loan application process for municipalities and development banks
October 1, 2019

komuno hosts workshop on municipal financing at the “Deutscher Kämmerertag 2019”

Municipal loan platforms are an opportunity to streamline processes in local government and can help the municipal lending business transform its processes and extend its reach – this was in the conclusion of a workshop on municipal financing held as part of the "Deutscher Kämmerertag 2019" on 26 September in Berlin.
September 3, 2019

Our platform celebrates its first birthday and there is more good news

66 participating organisations have so far put short-term and investment loans with a nominal value of more than EUR 900 million out to tender and successfully raised more than EUR 160 million.