Sibill
“Can an Italian SMB accounting SaaS become the all-in-one financial OS for small and medium businesses by embedding banking directly into its bookkeeping workflow?”
Founded2021
HQMilan, Italy
FoundersMattia Montepara, Lorenzo Liguori, Dario Prencipe
Total raised$33.9M
Latest roundunknown
IndustryVertical SaaS / Accounting
The story
Founded in 2021, Sibill started as a digital accounting and financial management SaaS for Italian SMBs, providing invoice management, treasury visibility, and payment tracking. In 2025 the company expanded beyond pure SaaS into embedded finance by launching a business bank account and debit card (powered by Swan) natively within its platform, positioning itself as a financial OS for Italian SMBs rather than just an accounting tool.
Product timeline
2021
Sibill founded in Italy to offer SaaS financial management for SMBs, focusing on invoice and cashflow management.· pivot
2025
Sibill launches embedded banking product in partnership with Swan, offering Italian IBANs, payment accounts, and debit cards directly within the platform.· banking
The stack
2 layers disclosed in Sibill’s embedded-finance stack
Banking / BaaS
Card issuing
in the full report
Accounting gap: none
1 more provider across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.