Banxware

📉 Leading a company under constant fear of insolvency? For 1 in 7 startups, that's the harsh reality. More than 14% of founders fear their business won’t survive the next 12 months. A stress factor they carry into every decision, every single day. Yes... stress is part of building a business. But constant stress can lead to poorer choices and less objectivity. When asked about their biggest challenges, founders point out: ➜ Bureaucracy (63%) ➜ Customer acquisition (61%) ➜ Financing (52%) As a platform, you can help solve 2 of these 3 with embedded lending, reducing stress levels and giving your customers space to focus on their business. ✅ Zero bureaucracy through a fully digital application ✅ Quick access to financing up to €5M, available from just 6 months in business 👉 Empower your customers with fast, bureaucracy-free access to financing!

Our mission keeps reaching new audiences. 👉 Now also featured in the FOCUS MONEY magazine! A few weeks ago, our founder Miriam Wohlfarth won the Female Finance Award in the Start-up category. 🙌 Now, she and Banxware are featured in a 3-page portrait FOCUS MONEY magazine. Why does this make us proud? Because when we started Banxware in 2020, Embedded Lending was still new to most people. Today, it’s a topic in mainstream business media. This proves us one thing: ✅ Fast, simple access to financing matters, and it’s a game-changer for SMEs, platforms, and banks alike. Curious? The full article is available in the latest print edition of FOCUS MONEY magazine.

When your customers win, you win. 🔄 Because their growth story becomes part of yours. For many SMEs, access to financing is a big challenge. Traditional lenders may not understand their business model, consider them too young, or ask for a track record that simply isn’t there yet. And without financing, opportunities slip away: 📉 Inventory restocking slowed 📉 New product launches stalled 📉 Hiring plans delayed 📉 Marketing campaigns postponed ➡️ Embedded lending can change that. Integrating financing into your platform lets customers seize opportunities instantly... without leaving the environment they already trust. Companies like 4 people who care GmbH, Itmops, Loveco and Mindful Life Berlin have experienced these benefits first-hand, achieving milestones in weeks instead of years. And as your customers scale, your platform becomes part of their success story. Your reward? ✅ Stronger loyalty and increased revenue from every achievement they reach. 🎥 Get the full story straight from the founders, now on YouTube! (link in comments)

From a student kitchen to national retail shelves. 🧵 Here's the fascinating story of forpeople founders Fritz & Marc Many purpose-driven brands start with a great idea, but then comes the real challenge: scaling. ➡️ Turning DIY into professional operations ➡️ Launching new products to meet growing demand ➡️ Navigating investor talks and funding rounds … and suddenly, capital becomes the missing piece. That’s exactly where Fritz Hinrichsmeyer and Marc Seipel from 4 people who care GmbH found themselves. What started as a personal fix for dry climber hands has grown into a real natural cosmetics brand, defined by a bold USP: ❎ 0% water ➜ for maximum impact. While others dilute to cut costs, forpeople stayed true to their purpose. As demand accelerated, it was time to scale. And just like their product formula, their financing needed to be simple. Thanks to our partner DFKP, they secured financing from Banxware that matched their pace. 💬 “The money was in our account the next day, which gave us the space to focus on investor talks.” – Fritz Hinrichsmeyer, Co-Founder of forpeople Today, their product range includes solid soaps, sunscreen, body oils and more... available online and stocked by major retailers like Alnatura & Globetrotter Ausrüstung. The key takeaway? The right financing at the right time gives platforms the power to turn emerging brands into thriving businesses. 🎥 Watch the full story below!

💡 What makes a good product great? Ongoing input from those who use it every day. Lending partnerships sometimes focus only on delivery, less on development. 📌 We at Banxware believe both matter. From day one, we’ve shaped our financing solutions in close dialogue with our partners to create real impact and meet real market needs. A great example of this approach: Our close partnership with FinCompare GmbH, one of Germany’s leading financing brokers. FinCompare has integrated our entire current product portfolio into their daily operations: ➜ Sofortfinanzierung: fast term loan up to €250,000 ➜ HVB FlexFinanzierung: flexible credit line up to €5M ➜ Banxware for Brokers: our software solution enabling brokers to fully focus on advisory work And even more importantly: ✅ With ongoing broker feedback, we’ve been able to continuously improve every product, refining features to ensure they deliver real value in practice. A big thank you to Ina Hausmann, Florentine Kuegler and the entire FinCompare GmbH team for your trust and first-hand insights!

Digitization looked like the peak of lending innovation. But we believe ➜ it was only the first step. In the early 2000s, digitization brought speed and simplicity to lending. Manual processes were replaced, and new alternative lenders entered the market, competing on speed and ease of use. Then came integration. Lending moved closer to where business actually happens: directly on platforms. That’s where our journey at Banxware began. But some challenges still remained: ➜ Banks bring capital, but lack speed & business context ➜ Platforms can't meet all financing needs of their users ➜ SMEs face fragmented journeys & unclear offers This brings us to what we believe comes next: building a smart lending infrastructure. An infrastructure that: ✅ Connects banks, platforms and SMEs in one flow ✅ Orchestrates lending invisibly and intelligently ✅ Operates quietly in the background of daily business Here’s how our CCO, Mandya Aziz, captures this shift: 💬 “We strongly believe that the future of SME financing lies in infrastructure, connecting the right players at the right time, embedded in the flow of business.” Want to learn more? ➡️ Read Mandya’s full article on Payment & Banking (link in the comments)

That’s how we like to kick off the weekend: With our very own Banxware Summer Party 🏝️ We talk a lot about embedded lending, scaling partnerships, and building what’s next. But this weekend? It was about something even more important: The people behind it all. From long-time team members to new joiners, we came together to celebrate the incredible journey we’re on and the culture that fuels it. A few of the highlights: 🏐 Beach volleyball and various minigames 🎤 Karaoke, dance-offs, and plenty of laughter 💬 Chats that reminded us why this team clicks While we're fully committed to reshaping SME lending, we also believe in enjoying the ride together. And that's exactly the spirit we want to carry into everything we build next!

📈 40+ platforms. 10+ industries. 1 solution. SME lending that goes far beyond e-commerce. Many still believe: 💭 “Financing? That’s only relevant for online shops.” But the reality is: SMEs across the entire economy need fast access to capital. And not just to restock shelves or bridge seasonal liquidity gaps. They need financing to: ➔ Open a second location ➔ Upgrade machinery or equipment ➔ Scale marketing campaigns ➔ Invest in digital infrastructure (e.g. apps) ➔ Meet sustainability standards (e.g. eco packaging) ➔ & much more Quick access to financing gives SMEs the ability to grow... and your platform the opportunity to stand out as a true growth partner. With embedded lending, you'll benefit from: ✅ Stronger differentiation in a competitive market ✅ Increased GMV (Gross Merchandise Value) ✅ Reduced customer churn through added value ✅ Improved brand loyalty and customer retention ✅ New revenue stream through loan commissions What kind of SMEs does your platform serve? 💬 Let’s talk about how we can support them together!

You don't "go" anywhere for services anymore. 📊 And the numbers show: finance is no exception. Think about it: 🔒 Insurance? Added right at checkout 📦 Package tracking? In your messaging app 📚 Bookkeeping? Handled in your invoicing tool Embedded is the new normal... and that also includes financial services. 📊 According to McKinsey, embedded finance in the EU is set for major growth: → 2023: €20-30B (~3% of bank revenues) → 2030: €100B (10-15% of bank revenues) Since 2020, we’ve actively shaped the journey of embedded financing as it’s grown from a niche concept into a mainstream expectation. What we've learned: The closer financing gets to the customer's workflow, the more relevant and powerful it becomes.

There’s no single solution to SME lending. 🔄 But a shared infrastructure might bring existing strengths together. Banks, fintechs and platforms all serve SMEs... but rarely together. Historically, this lack of shared infrastructure has left too much potential untapped. Banks led SME lending ➔ but legacy processes slow them down. Fintechs delivered speed ➔ but at higher capital costs due to external funding. So, what comes next? ➡️ A shared infrastructure orchestrated by a trusted provider, enabling collaboration between all players. This creates a powerful win-win-win: ✅ Banks access qualified SME leads and digital underwriting methodology. ✅ Platforms enhance their offerings and boost customer retention. ✅ SMEs enjoy fast, affordable financing embedded in tools they use every day. At Banxware, we've started stepping in this orchestrator role. A prime example: HVB FlexFinanzierung. Our joint solution with HypoVereinsbank - UniCredit - Deutschland, embedded into platforms and providing SMEs with financing up to 5M€... with payouts in just a few days. We’re convinced: Enabling collaboration is our shared opportunity to help SMEs grow and succeed.