Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 1 category.
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Founded in 2020 as a modern accounting and financial management SaaS targeting French SMEs and accounting firms, Pennylane initially focused on unifying bookkeeping, invoicing, and cash flow into one platform. From 2023 onward, the company began embedding financial services directly into its product—first with a business bank account (Compte Pro) and corporate cards, then with invoice financing via Defacto embedded at the point of e-invoice issuance. The 2024 PDP certification transformed Pennylane into regulated e-invoicing infrastructure, and the 2026 Series E signals an ambition to become the financial OS for European SMEs, expanding geographically and layering in AI, lending, and payments terminals.
Other Unified Accounting 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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alt="Ranked #7 of 16 in Unified Accounting — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/pennylane/install" width="1" height="1" alt="" style="display:none">2 companies are linked to Pennylane in the Embedded Finance Index 2026, through their own public disclosures or Pennylane's published customer list, including JePilote and Hyperline.
Pennylane is an embedded-finance provider in Unified Accounting. It ranks #7 of 16 Unified Accounting providers by linked companies.
The most-named Unified Accounting alternatives to Pennylane are Apideck (60 buyers), Codat (32 buyers), Rutter (32 buyers), Nango (6 buyers), Merge (3 buyers) and Omniboost (2 buyers).
Pennylane is founded in 2020 and headquartered in Paris, France (2-4 rue Jules Lefebvre, 75009).
Pennylane has raised $450.9M in total.
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