Equitable education financing.

Become a
Partner University of Brain Capital

We contribute a better educational equality.
Brain Capital is a leading provider of an income-based financing and a reliable partner for universities, students, and social impact investors. We have many years of experience with our Income Share Agreement model.

How it works

Equitable education financing.

Become a
Partner University of Brain Capital

We contribute a better educational equality.
Brain Capital is a leading provider of an income-based financing and a reliable partner for universities, students, and social impact investors. We have many years of experience with our Income Share Agreement model.

The income-dependent financing concept

Why consider a partnership with Brain Capital?

Brain Capital is a competent partner with expertise in income-based student financing models. Brain Capital uses its education funds to transfer the tuition fee payments of students directly to the selected partner university. The students pay back based on their future income level after graduation. The education fund becomes an integral part of your financing portfolio. Cooperatively, we organize the communication, detailed consultation, interviews, conclusion of contracts with the beneficiaries. The whole team of Brain Capital takes care of all subsequent administrative steps. This results in an exclusive financing model tailored to your university.

Give a chance to experience it!

The Advantages of a Partnership with us

Recruitment from a broader group of applicants ensures academic standards.

More educational equality through the elimination of admission barriers of prospective students who have the necessary qualifications.

Reputational gain through implementing social fairness.

Financing offer as an ideal addition/alternative to scholarships.

Professional service and extensive solutions from a single source for you and your students.

Stronger ties between graduates and their alma mater.


What our sponsored students talk about us

Many students have already fulfilled their dream of studying with the funding provided by Brain Capital.
Their success stories have been our inspiration and motivation.

Facts and Figures about Brain Capital

10000 +

Funding contracts

5000 +

Students in payment period

300 Mio. +

Assets under Management

50 +

Partner Universities

500 +

Degree Programs

220 +



Years experience

25 +


Become a cooperation partner to enable equal opportunities!

Benefit from our many years of experience.

Your contact person for collaborations:
Dr. Elisabeth Rudolf-Sipötz

Managing Director

Send us a message

History of Brain Capital

Starting from the idea of a fair & flexible tuition fee financing to the leading partner for students, universities, and investors in the implementation of alternative financing concepts.

A different approach to financing tuition fees. Our story begins in 2005 as a start-up at WHU Otto Beisheim School of Management in Vallendar. Marco Vietor was doing his doctorate under Prof. Dr. Markus Rudolf on "Human Capital Contracts". The focus of his academic research concentrated on an innovative and customer-oriented student financing solution that meets the needs of students. WHU alumni were the first investors to be convinced with this idea, in the spirit of a reverse generation contract. This led Brain Capital to be known now as the largest provider of education funds.



Change in Management neu: Markus Hüren. Our new partner universities with HSBA Hamburg School of Business Administration, Mediadesgin Hochschule, Medizinische Hochschule Brandenburg, Vinzenz Pallotti Universität, XU University.


Portfolio expansion with IE University Madrid, BSP Business & Law School Berlin, Lancaster University Leipzig, Medical School Hamburg, including institutes with engineering programs with Northern Institut of Technology at TU Hamburg and EIT Innoenergy Master Schools as well as Pilot Training at Lufthansa Aviation Training. New institutional investor and 300 Mio. Assets under Management.


Digital Transformation Funding agreements are signed digitally via DocuSign (QES) and online identity verification via IDnow. New partner university with Goethe Business School.


15th year of Brain Capital funding over 5,500 students at different private universities. Internationalization strategy continues - – ESADE Business School as first Spanish partner university. Further capital acquisition with institutional Investors. Change in Management Dr. René Maler.


Sechste Brain Capital GmhH as an investment vehicle for private Investors. Dr. Elisabeth Rudolf-Sipötz becomes third managing director of Brain Capital GmbH.


New partner universities with Jacobs University Bremen, Hochschule Fresenius and SRH Hochschulen. INSEAD Business School becomes the first international and non-German speaking partner university.


With the university-independent Masters education fund, Brain Capital offers funding for every tuition-based master’s program worldwide.


Expanding cooperation with private universities and offering our funding agreements to students of Hertie School (Berlin) and ESCP Europe.


Cooperation with new partner universities Cologne Business School (CBS), Zeppelin Universität (ZU), Friedrichshafen and FH Wedel and university-independent MBA education fund. Relaunch of the Brain Capital Website.


Income Share Agreement for medical students at Paracelsus Medizinische Privatuniversität in Nürnberg and Salzburg. Conception of the LL.M. education fund in cooperation with the German American Lawyers Association e.V. to finance LL.M. studies at law schools. Relocation of office at Heerstraße in Vallendar.


The Bucerius Studienfördergesellschaft is founded. The latest education fund of Brain Capital receives a rating from Creditreform AG


Independent education fund International University of Applied Sciences Bad Honnef (IUBH).


Further education funds from institutional investors.


Brain Capital supports the University of Lübeck in the establishment of the first university-specific education fund at a public university in Germany and takes over the administration of this education fund. Another education fund managed by Brain Capital was also created for Kühne Logistics University in Hamburg.
Johannes Frankenfeld becomes second managing director of Brain Capital GmbH.


Company name changed to Brain Capital GmbH. The office space in Vallendar was expanded as the team grew.


Income Share Agreement The concept of the Income Share Agreement was introduced to the bachelor's program at the Bucerius Law School in Hamburg as well as the International University of Applied Sciences Bad Honnef ("Honnef Bildungsfonds"). The Bucerius Law School decided to hand over the management of their tuition funding agreements to Brain Capital.


First education funds with institutional investors.


The first education fund with private investors is founded.
The first undergraduate students at WHU can participate in the funding model.


The idea of fair & flexible tuition fee financing Foundation of WHU Brain Capital GmbH is launched, Founders: Prof. Dr. Markus Rudolf, Dr. Marco Vietor and Tobias Hundhausen