ApideckTape
← Embedded Finance Index 2026

FlorAccess

“Can a vertical B2B plant wholesale marketplace own the entire procurement-to-payment workflow for European florists and garden centres, including embedded trade credit?”

Founded2012
HQUtrecht, Netherlands
Total raised€750K (~$930K USD equivalent)
Latest roundSeed, 2018
IndustryMarketplace / Two-sided
The story

Founded in 2012 as a B2B wholesale plant e-commerce platform serving florists, garden centres, and wholesalers across Europe. Inspired by marketplace models (Airbnb, Uber), FlorAccess raised €750K in 2018 to expand across European markets. The company has since embedded B2B credit via Hokodo to offer deferred payment (open account) terms directly in its checkout flow, moving beyond simple online ordering into embedded B2B lending.

Last 12 months
—
Product timeline
2012
FlorAccess B.V. founded in Utrecht, Netherlands as a B2B wholesale plant e-commerce platform for professionals.· pivot
2018
Raised €750K seed round for European expansion, positioning as an 'Airbnb-inspired' B2B e-commerce marketplace for the floriculture sector.· banking
The stack
1 layer disclosed in FlorAccess’s embedded-finance stack
Lending
HokodoB2B deferred payment / open account (up to 14 days)B2B BNPL / trade credit via Hokodo
Accounting gap: significant

FlorAccess — frequently asked

Who provides FlorAccess's lending?

FlorAccess's lending and capital products are provided by Hokodo.

Where is FlorAccess headquartered?

FlorAccess is founded in 2012 and headquartered in Utrecht, Netherlands.

How much funding has FlorAccess raised?

FlorAccess has raised €750K (~$930K USD equivalent) in total (latest round: Seed, 2018).

Benchmark your own stack

Request an embedded finance strategy assessment

Get a read on where your own stack stands against FlorAccess 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.

  • Your category, mappedHow your stack compares to FlorAccess and the other companies in its category.
  • Build vs. buyWhere a provider relationship would close a gap faster than building it.
  • A named analyst, not a form replyA short call to scope what's actually worth assessing for you.

No newsletter, no sharing your address. We use this to reach out about the assessment and nothing else.