Banxware

💬 “Marketplaces make the game, while online shops are losing out. We’ve never seen such a drastic shift.” - Martin Gross-Albenhausen (Managing Director at bevh) What once started as a sales channel has become the main driver of SME growth. According to the Bundesverband E-Commerce und Versandhandel Deutschland e.V. (bevh): 📊 Up to 66% of SMEs now sell via marketplaces, compared to just 40% of large enterprises. 💻 Around 25% of SME revenue is already generated entirely digitally. Platforms bundle demand, generate data and set the pace for entire industries. And this shift changes the game for everyone involved. ➔ For platforms, it means standing out by helping their business customers grow, e.g. through embedded lending that offers fast, seamless access to capital. ➔ For banks and lenders, it opens the door to reach businesses directly where they operate, but also brings the challenge to digitize and embed their own services. ✅ A strong example of how this can work: Together with our partner HypoVereinsbank - UniCredit - Deutschland, we launched HVB FlexFinanzierung earlier this year. A fully digital credit line of up to €5 million, embedded directly into our platform network and reaching hundreds of thousands of SMEs every day. 💡 We’re convinced: those who ignore this shift today will be left behind tomorrow.

☕️ Financing shouldn’t take longer than a coffee break. With Sofortfinanzierung, it doesn’t. For most SMEs, financing still means endless forms and waiting times. No wonder many give up before they even start. But the reality is ➔ those who access capital fast, grow faster. 💡 Think of your business customers in a critical growth moment. They stock up and hire extra hands to meet demand… but liquidity gaps slow them down. That’s why we built Sofortfinanzierung and kept improving it over the years: ✅ Your customers apply for up to €250,000 in minutes ✅ 100% digital, no paperwork or phone calls ✅ Embedded in your platform and live in just 1 week The impact? Your platform becomes a true growth enabler, benefiting from higher revenues and stronger relationships. And with Black Friday just around the corner, liquidity gaps shouldn’t be the reason your customers miss their biggest opportunity of the year.

A week of great talks and a few Maß in between. Oktoberfest 2025 didn’t disappoint 🇩🇪✨ Last week, members of the Banxware management team, including our CEO Jens Roehrborn and CPO João Colaco de Freitas (JCF), headed to Munich for Bits & Pretzels and a series of meetings with our strategic partners. It was great to meet and reconnect at the Wiesn over brez’n, brats, and beer (because what’s Oktoberfest without a Maß of Munich’s finest?!). Danke München, we're already looking forward to next year! 🙌🏻

At Sibos, the world of finance meets. 🌎 And for the first time, Banxware was right in the middle of it! Over 7,000 visitors, global banks, international delegations and tech giants came together to discuss the future of finance: ➔ AI, digital assets, payments, cybersecurity, sustainability & diversity, and regulation... topics that are shaping the financial world today and tomorrow. While most stands were run by the industry’s big players, we were one of the very few startups on site, thanks to TechQuartier, who gave us the opportunity to showcase Banxware with our own booth. 🙌🏻 Our highlights: 🎙️ Our founder Miriam Wohlfarth live on SIBOS TV, sharing her perspective on the future of SME lending and the power of fintech–bank collaboration (link in comments). 🎙️ Our CCO Mandya Aziz on the Discovery Stage with Banxware's Growth Story: how we’re transforming SME lending, why Berlin is the perfect fintech hub, and which partnership models truly scale. In the end, Sibos once again underlined the sheer scale of the finance industry. A sector that connects continents, shapes economies and drives innovation worldwide!

Always fun when the Banxware team gets together 🙌🏻 This time for some quiz action at The Castle Pub Berlin! Turns out our trivia game is nearly as sharp as our fintech game 😉

What an inspiring evening at Qontos PowerUp Event! ✨ What a night! Our Banxware team joined hundreds of founders, investors, and innovators to talk about AI and the future of business. The highlight for us? Connecting with so many forward-thinking companies and individuals during the networking sessions. Conversations with ambitious founders and leaders like Deborah Choi reminded us how collaboration drives real progress. We were also proud to see our Credit Risk Lead Anushaant (Anush) Wijayakulasingam hosting an “Ask Me Anything” session at our stand, creating space for open dialogue around financing and growth💡 A big thank you to our partner Qonto, Iana Chernova and Eileen Reichert for creating such a valuable event. We're already excited for the next one! 🙌🏻

We just hit 7K followers on LinkedIn! 🙌🏻 So we asked AI why so many of you follow us... Here’s what it came up with: ➜ 31% want to stay ahead on embedded finance trends (smart move) ➜ 19% enjoy watching us challenge the status quo of lending ➜ 18% are scouting partnership opportunities (DMs are open) ➜ 12% are fintech tourists, here for the buzzwords ➜ 11% followed just to tell their boss they’re following "fintech innovation” ➜ 9% clicked follow by accident… but stayed (we’ll take it) What do you think, did AI get it right? 🤔 Either way, we’re glad you’re part of the journey!

From product-centric to customer-centric finance. 👉 A shift that is reshaping our industry. At BEX - Banking Exchange, our founder Miriam Wohlfarth joined a panel with Prof. Dr. Silke Finken, Christian Steiger and Florian Liar to discuss what this transformation means for the financing ecosystem. In a product-centric world, financial institutions design products in isolation. The customer’s role? To adapt. ➜ In a customer-centric world, financing adapts to the SME’s needs. What this looks like in practice: ✅ Embedding financing into customer journeys ✅ Delivering faster decisions powered by real-time data ✅ Expanding access so more SMEs can benefit ✅ Building collaboration through APIs and partnerships The panel’s key takeaway: Financing proves its strength not in visibility, but in the outcomes it enables.

💸 Liquidity is often reduced to a "safety net". And the truth is: it is far more than that. Many SMEs and even platforms have treated liquidity like a rainy-day fund. Something you only touch when things go wrong. But that view is outdated. The data tells a different story: ➜ The top 20% of companies leverage their liquidity to pay invoices 28% faster. By doing so, they cut financing costs by 25% and save $11M each year on average, capital they reinvest straight into growth. And the mindset is changing fast: ✅ +13% YoY increase in the use of external working capital solutions ✅ +16% YoY increase in businesses claiming to use working capital strategically, not just in emergencies For platforms, this is a massive opportunity. By embedding lending into your ecosystem, you enable business customers to access liquidity instantly... and seize opportunities the moment they appear. 📖 Read more in Miriam Wohlfarths article on Payment & Banking (link in comments).  

Bank & Fintech: a powerful duo, but only if done right. 👉 So what does “done right” really look like? In our latest podcast episode, Miriam Wohlfarth sat down with Frauke Falck from our close partner HypoVereinsbank - UniCredit - Deutschland to discuss what makes a bank-fintech partnership successful. The conversation kept circling back to one word: trust. 💬 Frauke: “There’s now so much trust across all levels that people dare to throw ideas around, experiment and think about what could be next.” 💬 Miriam: “That's exactly what makes it fun. Even bold ideas get space... and some of them turn into real products.” This culture of trust is what allows us to go beyond daily business to innovate faster and design financing solutions SMEs genuinely need. One prime example? The HVB FlexFinanzierung, our flexible credit line up to €5M, blending fintech speed and UX with the stability of a strong bank ➜ seamlessly integrated into leading platforms. Curious how our partnership with HypoVereinsbank - UniCredit - Deutschland went from first talks to a joint product launch? 👉 Then don’t miss this episode (link in the comments).