ToolTime
“Can a German craft-business SaaS become the financial OS for tradespeople, starting with payment acceptance and expanding into banking and lending?”
HQBerlin, Germany
Total raised€55M
IndustryVertical SaaS / Construction
The story
ToolTime started as a digital workflow / job-management SaaS for German craftspeople (Handwerksbetriebe) — quoting, invoicing, time tracking, measurements. In 2024 it expanded into embedded finance with ToolTime Pay, an Adyen-powered payment acceptance product that lets tradespeople collect invoice payments via card, Apple Pay, or bank transfer. Per the founder's podcast, the company explicitly chose embedded banking/acquiring over open-banking pay-by-bank, framing payments as a gateway toward broader financial products for the craft vertical.
Product timeline
2024
Launched ToolTime Pay — first digital payment system for German craft businesses, powered by Adyen· payments
Same company
ToolTime was analysed under more than one name on the same domain, so its stack is split across these dossiers. Each was analysed independently and may name providers the others do not.
The stack
2 layers disclosed in ToolTime’s embedded-finance stack
Payments / PSP
Accounting
in the full report
Accounting gap: minor
6 more providers across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.