ToolTime Pay
“Can ToolTime turn its grip on German craftsmen's daily workflow into a full embedded-finance stack — starting with payments, expanding to banking and lending?”
Founded2002
HQBerlin, Germany
Total raised€55M
IndustryVertical SaaS / Construction
The story
ToolTime is a Berlin-based vertical SaaS for German craftspeople (Handwerker), offering project management, invoicing and workflow tooling. After raising ~€55M and reaching 20,000+ customers, the company launched ToolTime Pay in 2024 — an embedded payments layer using Adyen — to address payment friction in a traditionally cash-heavy craft industry, positioning itself to expand into broader embedded banking and lending products.
Product timeline
2024
Launched ToolTime Pay, an embedded payments product for German tradespeople powered by Adyen.· pivot
The stack
1 layer disclosed in ToolTime Pay’s embedded-finance stack
Payments / PSP
Accounting gap: minor