Berlin Fintech Banxware Lands €10M UniCredit Investment
The Banxware founders Fabian Heiß, Jens Röhrborn and Miriam Wohlfarth - © Banxware
Berlin-based fintech Banxware has secured a significant €10 million follow-on investment from UniCredit while simultaneously transforming its business model to unlock massive scaling potential across European SME lending markets.
The lending-as-a-service provider, which specializes in embedded financing solutions for small and medium-sized enterprises, is shifting from its traditional structured finance approach to a forward flow model. Under this new arrangement, bank partners will assume 100% of the loan book originated through Banxware's platform partnerships, freeing up the company's equity capital for operational scaling and product development.
According to information from UniCredit's press release, this strategic move comes alongside a partnership with UniCredit's newly acquired Banking-as-a-Service platform Aion and fintech infrastructure provider Vodeno. The collaboration aims to enhance automated lending solutions for SMEs across the region.
Banxware has already built impressive momentum, embedding its technology in over 40 digital platforms. The company recently launched a joint lending product with HypoVereinsbank, offering businesses instant access to financing ranging from €1,000 to €5 million through a single platform integration.
The fintech operates as a crucial bridge between digital platforms and a curated network of banks, alternative lenders, and specialty finance providers. By pre-qualifying and pre-onboarding borrowers according to each lender's specific underwriting policies, Banxware significantly improves conversion rates and unit economics for all parties involved.
CEO Jens Röhrborn emphasized the strategic importance of deepening the UniCredit partnership: "We're not just scaling—we're shaping a new infrastructure layer for business lending in Europe."
The fresh capital injection will fuel investments in user experience improvements, streamlined platform integrations, AI-based underwriting capabilities, and aggressive market expansion across European markets.
