“Can a European SMB platform unify banking, accounting, tax, and financing into one product for the 300,000+ underserved small businesses across multiple countries?”
Ageras began as a Copenhagen-based marketplace matching SMEs with accountants and has evolved into an integrated SMB platform combining banking, accounting, tax filing, invoicing (via Zervant), and financing. The company has acquired/operates multiple regional brands including Zervant (Finland), Tellow/Shine, and serves 300,000+ SMEs across Europe, increasingly positioning itself as a unified financial OS for small businesses.
Ageras processes payments through Stripe Connect. Disclosed money-movement rails: SEPA.
Ageras's lending and capital products are provided by Froda.
Ageras connects to bank accounts through Tink and Enable Banking.
The Embedded Finance Index 2026 maps 4 layers in Ageras's stack: Payments / PSP (Stripe Connect); Money movement (SEPA); Lending (Froda, Ageras Financing and Zervant Instant Pay (discontinued Oct 2024)); Open banking (Tink and Enable Banking).
Ageras was founded by Martin Hegelund and is headquartered in Copenhagen, Denmark.
Get a read on where your own stack stands against Ageras and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.