“Can embedded installment financing unlock the ~40% of European households blocked from buying green hardware by upfront cost?”
Bees & Bears is a Berlin-based green fintech embedding point-of-sale installment financing for solar panels, heat pumps, inverters, and energy storage sold through installer and manufacturer channels. The core thesis: hardware is ready, but ~40% of German households that want climate tech can't pay upfront, so capital — not technology — is the real bottleneck. The company positions itself as a HaaS-enabler for green hardware manufacturers and installers, with a €500M credit facility powering end-customer loans.
Bees & Bears's lending and capital products are provided by Bees & Bears (in-house).
Bees & Bears was founded by Marius Schondelmaier and is headquartered in Berlin, Germany.
Bees & Bears has raised ~$528M (incl. €500M debt facility) in total (latest round: Seed, 2025-11).
Get a read on where your own stack stands against Bees & Bears 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.