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MODIFI

“Can a digital-first trade finance platform become the embedded payments and BNPL rail for the long tail of SME cross-border commerce?”

HQAmsterdam, Netherlands (MODIFI B.V.) / Berlin, Germany (MODIFI GmbH)
FoundersNelson Holzner, Sven Brauer, Jan Wehrs
IndustryFintech / Cross-border payments
The story

MODIFI was founded as a digital cross-border trade finance platform offering invoice factoring and B2B BNPL to SME exporters and importers globally. The company has progressively expanded from pure trade finance into broader cross-border payments infrastructure, partnering with Airwallex in 2023 to launch its Global Account Solution. It now positions itself as a 'business payments for global commerce' platform combining BNPL-style trade financing with a multi-currency payments rail. A partnership API launched to allow B2B marketplaces and logistics platforms to embed MODIFI's trade financing into their own products.

Last 12 months
2023-07
2023-05
Product timeline
2023
Partnership with Airwallex to launch Global Account Solution for cross-border B2B payments.· banking
2023
Secured $100M debt facility from HSBC Innovation Banking UK to expand trade finance lending.· lending
2023
Closed additional $75M debt facility with another global financial institution.· lending
Regulated entities
1
regulatory licence held by MODIFI
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
5 layers disclosed in MODIFI’s embedded-finance stack
Payments / PSP
MODIFI Trade Finance Platform (self-operated)
Banking / BaaS
in the full report
Lending
in the full report
Unified APIs
in the full report
FX & payouts
in the full report
Accounting gap: significant
7 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.