Your customers pay in installments. You get your money immediately. No cancellations!
With the financing models from Breakthrough Consulting,
you will sign up more customers.
You receive the total amount immediately.
Your customers pay conveniently starting at €50 per month.
We take care of the processing.
- As a coach or consultant, you have a great offer that so many people could benefit from. But many simply cannot afford it.
- So lower the price and sell yourself short, or offer installment payments and play bank by yourself?
- No. Thanks to our partnership with over 52 banks, You can offer your customers installment options starting at €50 per month, while still receiving your money immediately and in full right away.
Financing from €5,000 to €80,000
12-120 monthly installments
Low interest rates and free special repayments for your customers
For you, this means
More deals.
More revenue.
More cashflow.
These trainers, coaches, and consultants trust us
What our customers say
Dawid Przybylski
Business TrainerDawid Przybylski
Business TrainerWe were amazed to see customers upgrade to larger packages. As one told us: 'Financing let me afford so much more.' It completely transformed our cash-in overnight.
Dawid Przybylski
Business TrainerDawid Przybylski
Business Trainer- Phone: +123456789
- Email: example@gmail.com
- Address: Germany
Tim Rübenach
CEO at DT Phoenix Trading GmbHTim Rübenach
CEO at DT Phoenix Trading GmbHStatistically speaking, out of more than 800 financing deals, the cancellation rate is only about 0.2 percent. This low rate proves the reliability and allows you to offer significantly higher product prices right from the beginning…
Tim Rübenach
CEO at DT Phoenix Trading GmbHTim Rübenach
CEO at DT Phoenix Trading GmbH- Phone: +123456789
- Email: example@gmail.com
- Address: Germany
Mario Amadori
E-Com ConsultingMario Amadori
E-Com ConsultingMy profit margin more than doubled, and I was able to hire significantly more coaches and team members... Partnering with Breakthrough-Consulting to raise my prices and secure cash flow upfront was one of the best decisions of my life.
Mario Amadori
E-Com ConsultingMario Amadori
E-Com Consulting- Phone: +123456789
- Email: example@gmail.com
- Address: Germany
The #1 Roadblock Keeping Trainers, Coaches, Consultants & Experts From Closing Deals:
Your offer is exactly what your clients are looking for. They’re hooked, they’re ready to start, and you know this will be their ultimate breakthrough.
But then, the momentum snaps: They simply can’t afford to pay ‘upfront.
You let the client walk away.
You drop your price.
Du gehst mit deinem Preis runter.
You offer flexible payment options.
Du bietest dem Kunden andere Zahlungsmöglichkeiten an.
Processing your customers via payment providers such as PayPal or Klarna:
Processing your customers via payment providers such as PayPal or Klarna:
Severe restriction: PayPal and Klarna only offer installment payment plans for invoice amounts up to a maximum of €5,000 gross and only for a term of up to 24 months. If your (upsell) offer exceeds this amount, this option is not available.
High monthly installments: Due to the short terms, your customers have to expect significantly higher installments.
High interest rates: The interest rates for your customers are usually in the double digits. This means that they pay back significantly more than they originally purchased.
Multiple credit checks: Even simultaneous requests to PayPal and Klarna can affect your customers' credit scores and impair their creditworthiness.
Installment payments processed via CopeCart or Digistore:
Installment payments processed via CopeCart or Digistore:
Limited amounts: Like PayPal and Klarna, payment processors such as CopeCart and Digistore only offer limited installment payment options. If your coaching fee is too high, the monthly installment will be too expensive for your customer and they will drop out
No immediate cash flow: You don't get the money right away – it is transferred with a delay, which leads to massive cash flow problems.
You bear the risk of non-payment: If the customer does not pay, you bear the full risk of default and are often left with outstanding receivables.
High surcharges: Due to the delayed cash flow, you have to charge your customers high installment payment surcharges to minimize the risk of default.
Offer your own installment payments:
Offer your own installment payments:
Poor cash flow: If you offer installment payments yourself, you don't get the money right away. This limits your liquidity.
The risk of non-payment lies with you: If the customer doesn't pay, you have to take care of collecting the outstanding receivables and the dunning and legal proceedings yourself. This is not only tedious and time-consuming, but also financially risky.
PayPal vs. CopeCart vs. Breakthrough
Characteristics
PayPal / Klarna
CopeCart / Digistore
Breakthrough
PayPal vs. CopeCart vs. Breakthrough
PayPal / Klarna
- Up to 120 monthly installments
- Offers up to €80,000 can be financed
- Low interest rates
- No risk with outstanding payments
- Immediate payout
- Cash flow guaranteed
CopeCart / Digistore
- Up to 120 monthly installments
- Offers up to €80,000 can be financed
- Low interest rates
- No risk with outstanding payments
- Immediate payout
- Cash flow guaranteed
Breakthrough
- Up to 120 monthly installments
- Offers up to €80,000 can be financed
- Low interest rates
- No risk with outstanding payments
- Immediate payout
- Cash flow guaranteed
The Breakthrough Consulting payment model for stable cash flow and satisfied customers
Sell significantly higher-priced coaching and consulting programs
Upgrade your clients to premium packages without increasing their monthly budget.
Instant payout with zero waiting time
Unlike other providers, you get your money instantly. No waiting periods, no delays, no escrow accounts—your cash flow remains fully secured at all times.
No impact on your client’s credit scores
Your customers' credit scores will not be negatively affected when you apply for financing.
Secure cash flow
Thanks to the financing models from Breakthrough-Consulting-GmbH, you secure a stable, cancellation-free cash flow – right from the start.
Flexible terms from 12 to 120 months
Thanks to flexible terms, extremely low monthly installments are possible. For example, with a loan amount of €5,000, monthly installments start at just €56.04*.
Zero risk of payment defaults
You bear no risk in the event of payment defaults. You receive your money immediately and without unwanted chargebacks.
Financing available from €5,000 up to €80,000
Sell seminar, coaching, and consulting services up to €80,000 – with highly attractive terms for your clients.
The Breakthrough Consulting payment model for stable cash flow and satisfied customers
Das Zahlungsmodell von Breakthrough-Consulting für stabilen Cashflow und zufriedene Kunden
Secure cash flow
Thanks to the financing models from Breakthrough-Consulting-GmbH, you secure a stable, cancellation-free cash flow – right from the start.
Sell significantly higher-priced coaching and consulting programs
Upgrade your clients to premium packages without increasing their monthly budget.
Instant payout with zero waiting time
Unlike other providers, you get your money instantly. No waiting periods, no delays, no escrow accounts—your cash flow remains fully secured at all times.
Flexible terms from 12 to 120 months
Thanks to flexible terms, extremely low monthly installments are possible. For example, with a loan amount of €5,000, monthly installments start at just €56.04*.
Financing available from €5,000 up to €80,000
Sell seminar, coaching, and consulting services up to €80,000 – with highly attractive terms for your clients.
Zero risk of payment defaults
You bear no risk in the event of payment defaults. You receive your money immediately and without unwanted chargebacks.
No impact on your client’s credit scores
Your customers' credit scores will not be negatively affected when you apply for financing.
*Non-binding illustrative calculation pursuant to PANGV, subject to credit approval; net loan amount: €5,000, term 120 months, all assumed customers receive 6.39% effective annual interest rate, total amount: €6,724.73; offer from Deutsche Kreditbank, offer subject to change; as of April 21, 2025; daily updated terms available upon request)
How does it work?
By partnering closely with more than 52 major banks, savings banks, and Volksbanks, we grant you exclusive financing options that put you ahead of anyone else.
Once onboarded, you unlock exclusive access to over 22 unique financing paths for your clients – all managed via a single contact. Fully digital sales processes eliminate the need to wait for traditional bank appointments. Typically, your clients can get a financing appointment with us the very same evening or by the next day at the latest.
Benefits for your clients
- bulletpoint leave as it is
- Early repayment options and flexible rate adjustments
- Tax deductions for professional development and training expenses
- 100% commission thanks to fully secure, cancellation-free incoming payments
- Maximum motivation thanks to quick, visible monetary success
- Increased cash flow as everything is immediately 100% liquidated
Benefits for your sales team
Benefits for you as a coach
- More deals, as more customers can afford the lower rates
- More revenue, as you can now sell at higher prices
- More cash flow, as everything is liquidated immediately at 100%.
BUT: Just offering a great financing option isn’t enough – you also have to make your clients want to use it.
That means: You and your sales team must be able to sell your offer on a credit-financed basis.
That’s why we provide you with a “worry-free, full-service package” designed to maximize the value of every single prospect and inquiry—from setting and closing all the way to upselling. For most trainers and coaches, the problem isn’t a lack of leads. The real bottleneck is failing to convert those leads into consistent cash flow!
3 steps to more cash flow
Step 1: Onboarding
During onboarding, you and your team will gain access to our shared WhatsApp group, the tracking system, and the member area. We will train your team and provide all the necessary resources and templates to ensure a seamless, professional handover of your financing inquiries to our experts.
Step 2: Book a call
Once you have closed your deal using the "Financing Approval" option, simply hand your prospect over to us by booking an appointment with one of our financing experts together. From that point on, we take care of the entire brokerage process—including collecting, reviewing, and processing all necessary documents for your client.
even on weekends!
Step 3: More cash flow
Benefit from immediate liquidity in your account, higher closing rates due to lower entry barriers for your clients, and reduce your payment defaults to zero.
How to work with us
- Sign up for a free initial consultation. Together, we will analyze whether your clients and your offer qualify for our financing model, and how we can help you unlock the maximum potential from all your leads.
- In the next step, during your customized strategy call, we will map out your exact blueprint for growth. You’ll discover precisely how much hidden revenue you are currently leaving on the table - both from new prospects and your existing clients.
About us
Michael Ebert
Managing Director and Financing ExpertAs a certified banker, banking specialist, and Qualified Portfolio Manager, Michael brings over 13 years of experience as an independent financing broker to the table. Together with his team, he successfully partners with more than 140 coaches, consultants, trainers, and top-tier experts, processing around 2,500 loan contracts annually.
Chiara Sorace
HR-ManagerinAs our HR Manager, Chiara ensures we always have a high-performing team of financing experts ready for you. Because of her work, you can rely on a frictionless, continuous service where all your inquiries are processed with maximum speed, diligence, and reliability.
Our location
Our headquarters are based in Aschaffenburg, but thanks to our 100% digital infrastructure, everything we do is completely online. This means maximum convenience, simplicity, and ease for both you and your clients. It allows us to seamlessly support consultants, coaches, and trainers all across Germany.
Frequently asked questions about financing solutions from Breakthrough Consulting
What is Breakthrough Consulting and how does it help me as a coach?
Breakthrough-Consulting offers you as a trainer, coach, consultant, or expert multiple ways to provide your clients with high-ticket offers starting at €5,000 on a financed basis with minimal monthly installments. As a result, significantly more clients can afford your offer and pay your requested prices in full.
How does financing through Breakthrough Consulting work?
What advantages does Breakthrough-Consulting offer compared to PayPal, Klarna and CopeCart?
Compared to other payment service providers such as PayPal, Klarna, CopeCart or Digistore, Breakthrough-Consulting offers numerous advantages for trainers and coaches: You can continue to offer your high-ticket programs starting at €5,000 to your clients at the lowest monthly rates, without having to wait months for your cash flow. Payouts in less than a week are the rule rather than the exception.
Furthermore, the interest rates with Breakthrough-Consulting's solutions are 100% market-standard and credit-optimized, meaning the vast majority of clients pay up to 50% less interest than with PayPal or Klarna.
Can my customers make early repayments on their loan? And what are the costs?
Yes, unscheduled repayments are possible with all the financing options we offer. With the vast majority of banks, this is also 100% free of charge. In a few exceptional cases, clients pay a 1% prepayment penalty if they want to pay off their loan early, either in full or in part.
How does working with Breakthrough-Consulting affect my customers' credit score?
All inquiries conducted through us are completely "Schufa-neutral" for the client, meaning their credit score remains unchanged—regardless of whether we check with one, three, or five banks
What happens if a customer cannot pay their installments or falls behind with their bank?
Since you are relying on a true financing solution thanks to Breakthrough-Consulting, you carry zero payment default risk yourself. This risk is borne 100% by the respective bank that ultimately granted the loan to the client. Should a client fail to pay their financing installments, the bank will handle the collection of the outstanding payments. You receive the full amount transferred right at the beginning and have nothing more to do with further receivables management.
How quickly will I receive my money?
As soon as a financing request has been approved, you will receive a direct notification from us via WhatsApp. This means you can send your customer the invoice immediately after the financing has been approved. They will then transfer the money to you, allowing them to get started with you and your offer right away.
As a rule, processing a financing inquiry takes between one and three business days (depending on the bank). Your advantage: We offer our premium clients appointments until 10:00 PM and are also reachable on weekends for financing consultations. This allows us to provide financing around the clock.
Which customers can be financed and which cannot?
Breakthrough-Consulting-GmbH specializes in financing B2C clients and has built over 22 exclusive financing pathways specifically for trainers, coaches, consultants, and experts. Clients who are unemployed, have a negative Schufa history, or are apprentices, students, or mini-jobbers cannot be financed.
In addition, we also offer financing options for B2B clients, provided they are no longer in the startup phase. You will receive the exact financing criteria during our joint financing concept consultation.