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Banxware

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“Can Banxware reposition from a balance-sheet SME lender into the orchestration layer matching platform-embedded SMEs with the right lender at scale?”

Founded2020
HQBerlin, Germany
FoundersJens Roehrborn, Miriam Wohlfarth, Fabian Heiß
Latest round€10M strategic investment from UniCredit (June 2025)
IndustryInfrastructure / Lending
The story

Banxware launched in 2020 as a Berlin-based embedded lending provider offering SME loans through marketplaces and PSPs. Following the 2025 UniCredit investment, the company is pivoting from a structured-finance lender into a capital-light orchestration layer — matching SMEs inside digital platforms with multiple third-party lenders rather than originating on its own balance sheet. The 2025 departure of co-founder Fabian Heiß coincides with this strategic shift toward AI-underwriting and forward-flow funding.

Last 12 months
2025-06
2025-12
Product timeline
2020
Banxware founded in Berlin by Jens Roehrborn, Miriam Wohlfarth, and Fabian Heiß to deliver embedded SME lending via marketplaces and PSPs.· pivot
2021
Raised €4M seed round led by Force Over Mass to scale embedded lending to SMEs in Germany.· banking
2025
Secured €10M from UniCredit; began shift from balance-sheet/structured finance to a capital-light forward-flow orchestration model.· pivot
2025
Co-founder and COO Fabian Heiß announced departure at end of December 2025.· pivot
In the press
embeddedfinancereview.com ↗
Coverage sourced from Embedded Finance Review — a content partner for this report. All articles are © their original authors; click any card to open the source.
◇ article2026-02-03
Amazon Germany partners with HypoVereinsbank and Banxware for embedded lending with credit lines up to €5 million
Amazon Germany adds HypoVereinsbank and Banxware to its lending programme. Credit lines up to €5m, decisions in three days, fully embedded in Seller Central.
banxwarehypovereinsbank
Source · Embedded Finance Review ↗
◇ article2025-07-02
German Pharmacy Marketplace Onfy Launches Embedded Lending with Banxware Partnership
German pharmacy marketplace Onfy launches embedded lending with Banxware. How niche marketplaces follow Shopify, Amazon into embedded finance.
banxware
Source · Embedded Finance Review ↗
◇ article2025-06-05
Banxware Transitions to Forward Flow Model with €10M UniCredit Investment
German embedded lending provider Banxware secures €10M from UniCredit and shifts to forward flow model. Why this strategic pivot changes risk management in marketplace financing.
banxware
Source · Embedded Finance Review ↗
◇ article2024-12-08
UniCredit enables embedded lending provider Banxware to increase lending scope
UniCredit empowers embedded lending provider Banxware to offer EUR 5M loans to marketplaces like Lieferando. How bank-fintech partnerships reshape European embedded finance.
banxwareincrease
Source · Embedded Finance Review ↗
◇ article2023-12-01
Lexoffice embeds bank account | Embedded Lending provider Banxware raises Series A
Airline company SAS launches embedded insurance product, Apple reportedly breaks up with Goldman, Tesla struggles with insurance product and many BaaS news in Europe and the US.
banxware
Source · Embedded Finance Review ↗
◇ article2023-11-30
Embedded Lending provider Banxware raises Series A
Banxware, Germany’s first embedded lending provider, raises €15M Series A from UniCredit and Fabrick to expand digital SME financing solutions.
banxware
Source · Embedded Finance Review ↗
The stack
1 layer disclosed in Banxware’s embedded-finance stack
Lending
Banxware (in-house)Banxware Sofortfinanzierung (up to €250,000 SME loan, payout within 24 hours)HVB FlexFinanzierung powered by Banxware (€250,000–€5,000,000 credit line, in partnership with UniCredit's HypoVereinsbank)Banxware Orchestration Layer for SME Financing (matches platform-embedded SMEs to multiple lenders)Banxware Direct (D2C origination channel)
Accounting gap: none