Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 8 companies across 1 category.
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Banxware launched in 2020 as a Berlin-based embedded lending provider offering SME loans through marketplaces and PSPs. Following the 2025 UniCredit investment, the company is pivoting from a structured-finance lender into a capital-light orchestration layer — matching SMEs inside digital platforms with multiple third-party lenders rather than originating on its own balance sheet. The 2025 departure of co-founder Fabian Heiß coincides with this strategic shift toward AI-underwriting and forward-flow funding.
Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/banxware/install" width="1" height="1" alt="" style="display:none">8 companies are linked to Banxware in the Embedded Finance Index 2026, through their own public disclosures or Banxware's published customer list, including Onfy, Lexware, Rabobank, Zalando, Amazon Web, Otto, HVB and Refurbed.
Banxware is an embedded-finance provider in Lending. It ranks #20 of 255 Lending providers by linked companies.
The most-named Lending alternatives to Banxware are Affirm (65 buyers), Klarna (55 buyers), YouLend (46 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).
Banxware was founded by Jens Roehrborn, Miriam Wohlfarth and Fabian Heiß and is founded in 2020, headquartered in Berlin, Germany.
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