Our team.

About us

Behind cap-on is a dynamic and highly motivated team that brings together people from various professional backgrounds, such as financial services, legal and tech. What unites us is a sporting team spirit and the ambition to offer an outstanding product. Together with cap-on, we are developing the financing solution of the future in a creative and customer-oriented way.

Cap-on team picture
Philipp Lenz Fintech
Cap-On Team
Cap-On Team

Our Story

In 2021, Andreas Müller, founder and main shareholder of S.D.L. Süddeutsche Leasing AG (SDL AG), and Philipp Lenz, current managing director of the young fintech company, took the ambitious decision to develop the asset financing solution of the future with cap-on. Within a very short period of time, the founding team strengthened with Fabian Lenz, in the legal department, and Theo Schütz, the CTO responsible for technology and product development.

The interdisciplinary cap-on team thus combines innovative and unconventional entrepreneurial spirit with decades of experience in the credit and leasing business, supported by SDL AG's renowned partner and customer network.

While technology development is being driven forward in the rapidly growing Berlin IT hub, the headquarters in tranquil Ulm-Elchingen serves as a familiar yet productive retreat.

philip
Lenz
Co-Founder & CEO

As co-founder and CEO, Philipp Lenz is responsible for the corporate strategy and operational management of cap-on GmbH. He developed the origin of the usage-based cap-on solution as project manager at S.D.L. Süddeutsche Leasing AG. Philipp Lenz studied economics and management at the Free University of Bozen-Bolzano and the University of Bologna.

Theo
Schuetz
Co-Founder & CTO

As CTO, Theo Schütz is responsible for technology and product development at cap-on. With his experience in agile project management, software development and IoT, including as a team leader at Deutsche Kreditbank AG, the Berliner is both in an overarching, controlling role and directly involved in the development of the cap-on platform. The business informatics specialist already demonstrated his entrepreneurial spirit at the age of 19 when he founded his first tech company during his studies.

Dr. Fabian
Lenz
Co-Founder & Legal

As co-founder and legal counsel, Dr. Fabian Lenz focuses in particular on the legal issues of cap-on GmbH. He studied law at the University of Augsburg and completed his legal traineeship in the Higher Regional Court district of Munich with positions at various commercial law firms. Prior to that, he worked as a research assistant at the Department of Civil Law, Commercial, Labor and Economic Law, in particular on employment and corporate law issues relating to Industry 4.0.

Philipp
Ratz
Head of Engineering

As Head of Engineering, Philipp Ratz is responsible for backend, infrastructure, data and DevOps. Philipp completed his studies in industrial engineering with a focus on IT & Data Science at KIT, Georgia Tech and TU Berlin, where he is also completing his doctorate. He has already gained experience in software and data engineering and enterprise architecture management at Daimler, SoftConeX and Trustami, among others.

Rainer
Dieck
CFO

As a representative of the majority shareholder, Rainer Dieck is a member of cap-on's Advisory Board. He supports the management and team of cap-on on key issues of strategy and product development as well as all CFO agendas. As a consultant in the area of business recovery and as CFO of global companies in the automotive supply industry, he was responsible for international transformation projects, high-volume corporate finance structures and M&A transactions.

Amelie
Lücke
Junior Data Engineer

As a working student in the area of data engineering, Amelie Lücke supports the team in the development of all data-relevant applications and processes. During her bachelor's degree in business mathematics, she was able to gain experience in risk management in the financial sector. She is currently studying a master's degree in business informatics with a focus on data science and BI.

Constanze
roth
Senior Business Development Manager

As Senior Business Development Manager, Constanze Roth is responsible for developing the cap-on business model and supervising current projects. She completed her business studies with a focus on finance at the Frankfurt School of Finance and Management. Before joining cap-on, she worked as a management consultant at Capgemini Invent for two and a half years.

Ben
Bittner
Business Development

Ben Bittner supports the team in business development. His tasks are in the areas of market research and competitive analysis. He completed his bachelor's degree in International Management at TH Augsburg and RMIT University in Melbourne with a focus on portfolio management & blockchain. He is currently studying for a master's degree at Católica Lisbon SBE.

Christine
Kröner
Tax & Controlling Specialist

As a Tax & Controlling Specialist, Christine Kröner is responsible for the entire payment processing, financial accounting and all tax law issues. She gained experience in many economic sectors during her many years working as a tax specialist and tax specialist in a large tax office.

Andreas
millers
Co-Founder & Investor

Andreas Müller supports cap-on GmbH as a strategic investor and visionary thought leader. As founder, main shareholder and CEO of S.D.L. Süddeutsche Leasing AG, he has many years of experience in the financial services sector, in international M&A transactions and in project development.

Theo
Schuetz
Co-Founder & CTO
Constanze
roth
Senior Business Development Manager
Dr. Fabian
Lenz
Co-Founder & Legal
Rainer
Dieck
CFO
Christine
Kröner
Tax & Controlling Specialist
Philipp
Ratz
Head of Engineering
philip
Lenz
Co-Founder & CEO
Ben
Bittner
Business Development
Andreas
millers
Co-Founder & Investor
Amelie
Lücke
Junior Data Engineer

Our
sites

Author Simon Bevan
Author Simon Bevan
Author Simon Bevan

Our investors.

Innovative strength meets experience
thyssenkrupp Automotive Body Solutions

thyssenkrupp Automotive Body Solutions is an integrated car body engineering specialist. The product and service portfolio ranges from prototype, tool and plant construction to the series production of car body components. The company has five development and production sites in Germany and a further six abroad. ThyssenKrupp Automotive Body Solutions currently employs a total of 2,200 people worldwide. The business unit is part of the automotive supply and service segment (Automotive Technology) of the thyssenkrupp Group.

Thyssen Krupp logo
sdl logo
S.D.L. Süddeutsche Leasing AG

S.D.L. Süddeutsche Leasing AG is a family-run leasing company based in Ulm-Elchingen. S.D.L. Süddeutsche Leasing AG implements in particular major projects in the manufacturing industry, automotive and mechanical and plant engineering and is a company registered with the Federal Financial Supervisory Authority (BaFin) in accordance with Section 32 (2) KWG. S.D.L. Süddeutsche Leasing AG's customers include innovative startups, small and medium-sized companies and DAX corporations.

Join us.

Be part of the team

At cap-on, we offer you a team-oriented and dynamic working environment with a start-up mentality and the opportunity to participate in exciting, innovative and international projects. In addition to highly flexible work structures, flat hierarchies and rapid decisions, we also offer immediate, full-fledged integration into the team and assumption of personal responsibility with plenty of freedom for your own ideas and professional and personal development.

Cap-on team picture

Apply now and become a part of cap-on.

Unsolicited application

We are looking for support in the areas of business development, marketing, sales and of course in IT: backend, web frontend, IoT.
Until we have officially published the complete list, you can apply to us on your own initiative. We'd love to hear from you!

Apply now