This article showcases our top picks for the best Germany based Fintech (Financial Technology) companies. These startups and companies are taking a variety of approaches to innovating the Fintech (Financial Technology) industry, but are all exceptional companies well worth a follow.
We tried to pick companies across the size spectrum from cutting edge startups to established brands.
We selected these startups and companies for exceptional performance in one of these categories:
- Innovative ideas
- Innovative route to market
- Innovative product
- Exceptional growth
- Exceptional growth strategy
- Societal impact
Top Germany Fintech (Financial Technology) Companies
Mambu is a software-as-a-service banking engine provider that powers lending and deposit services. By offering its API, it enable clients to start up new business ventures, transform existing operations, launch new products, and expand into new markets.
The company provides financial institutions of all sizes to design, launch, service, and scale their banking and lending portfolio. It empowers over 7,000 loan and deposit products which serve over eight million end customers.
With more than three million active accounts in over 46 countries, ranging from fintech to traditional banks. Few of Mambu’s backer is TCV, Tiger Global, Arena Holdings, Bessemer Venture Partners, Runa Capital, and Acton Capital Partners.
In 2011, Eugene Danilkis, Frederik Pfisterer, and Sofia Nunes formed the Berlin, Berlin, Germany-based SaaS startup.. .
N26 offers mobile banking solutions to customers in the European Union through its subsidiary. It provides international money transfer, investment, overdraft, and cash withdrawal and deposit at stores.
N26 provides mobile banking services for customers. Its mobile banking services offer online banking that include making and handling of current accounts, fixed accounts, and other banking services, letting customers manage and control their banking details via a smartphone application easily.
Maximilian Tayenthal and Valentin Stalf founded Papayer in February 2013, which later became N26, with its headquarters in Berlin in Germany.. .
Solarisbank is Europe’s leading Banking-as-a-Service platform. As a technology company with a full German banking license, Solarisbank enables other companies to offer their own financial services.
Via APIs, partners integrate Solarisbank’s modular banking services directly into their own product offering. The platform offers digital bank accounts and payment cards, identification and lending services, digital asset custody as well as services provided by integrated third-party providers.
To date, Solarisbank has raised more than EUR 160 million from a bluechip shareholder base, including ABN AMRO’s Digital Impact Fund, BBVA, finleap, Global Brain, HV Holtzbrinck Ventures, Lakestar, Samsung Catalyst Fund, SBI Group, Storm Ventures, Visa, Vulcan Capital, and yabeo Capital.. .
Upvest empowers financial institutions to offer investment products in their app with a modular, scalable, and accessible API. Upvest brings together everything that’s required to offer a broad range of investment products on the website and app.
They are connected to the world’s leading asset providers and exchanges to provide the best investments, at the best prices and execution speed.. .
Taxdoo is a startup that bills itself as a compliance platform for the digital economy. Its platform collects relevant data from marketplaces, online shops, and ERP systems on a daily basis and processes it in line with international VAT regulations, respective of financial authorities through an international network of VAT experts, which can then be transferred into financial accounting systems.
The company was founded in 2016 and is headquartered in Hamburg, Germany.. .
Clark is an insurance platform providing transparent, cheap and comprehensive insurance coverage. By combining technology and insurance expertise, Clark offers users simple, fair and customer-centric insurance advice.
The Berlin-based company was founded in June 2015 by Dr. Christopher Oster and Steffen Glomb.
Clark is supported by FinTech incubator FinLeap and the insurance think tank ITA – “Institute for Transparency”.. .
Bitwala offers a banking experience that combines fully protected bank accounts with access to cryptocurrencies, digital assets, and blockchain-based finance. With the firm’s blockchain technology platform, customers can invest in cryptocurrency directly from a bank account and earn up to a 4% annual return on Bitcoin.
Through secure technology, Bitwala empowers customers to benefit from new financial technology by being the bridge between the old and new financial system. Backers of Bitwala includes Earlybird Venture Capital, coparion, Global Brain and Sony Financial Ventures, NKB Group, High Tech Gründerfonds, ALSTIN, and the Digital Currency Group.
In 2015, co-founders Jörg von Minckwitz, Jan Goslicki, and Benjamin P. Jones headquartered Bitwala in Berlin, Berlin, Germany..
Trade Republic is a mobile-only and commission-free broker that brings the opportunity to invest easily. The company works as a broker for a new generation for a more mobile, more intuitive, faster – and permanently free of commission.
Trade Republic was founded in 2015 and based in Berlin, Germany.. .
Stocard’s mission is to become the #1 mobile wallet in the Western world by making the daily shopping experience easy, engaging and rewarding for it’s more than 50 million users. By turning shopper’s phones into their wallet, they’ve simplified the way users are rewarded at their favorite stores and are adding an easy way for their users to get access to financial services on the platform.
To date several billion transactions at the point of sale have been facilitiated through Stocard.. .
Raisin is a savings and investment marketplace that connects retail customers with banks looking to expand deposit reach. The company’s goal is to provide savers the best interest rates.
The company gives access to exclusive savings products from all over Europe. Raisin assures a smooth investment process and the simple management of investments with all of the partner banks via one single platform.
Raisin was founded on 2012 and is headquartered in Berlin, Germany.. .
Scalable Capital is a digital investment service founded in 2014, with offices in Munich and London. It uses proprietary software to offer portfolios which are dynamically optimised with a primary focus on risk management.
State-of-the-art technology enables the company to offer a first class investment service, previously only available to large institutional investors, to individuals at a fraction of the cost. The company is funded by major VCs including Holtzbrinck Ventures, Monk’s Hill Ventures, German Startup Group and other prominent angel investors..
wefox Group is an insurtech company in Europe. It operates two businesses: wefox and ONE.
wefox is the first service platform for all your insurance needs, which enables you to easily access all your insurance contracts at any time from anywhere and request and enter into new contracts or quit the old ones with just one click. All services are available online and you can choose your personal assistant by yourself, who supports you if wanted or needed – vendor-neutral.
they offer that all-around service web-based or as an app – for free! ONE is the first digital insurance carrier in Europe fully integrated into the wefox wallet.. .
Vivid Money is a financial platform that helps customers grow their money. The platform offers a unique mobile banking app at their fingertips.
Whether it’s payments, transfers, high-interest saving accounts, multi-currency accounts for their travels, spendings reports, split bills — with Vivid, managing all their finances and investing their money is easy, flexible, and 100% transparent. Vivid Money also analyzes transactions to identify a customer’s recurring subscriptions, giving them the ability to block future charges if necessary.
The users can also send money to other users from the app and generate a link so that the recipient can enter their banking details. There are also cashback features and the company plans to offer the ability to invest and buy shares from the app in the future.
Vivid’s app users can also create sub-accounts called pockets, each with its own IBAN. Users can invite others to use specific pockets or associate a card with a specific pocket.
Additional physical cards or virtual cards can be ordered.. .
Moonfare is a technology-enabled platform allowing individuals to invest in top-tier private market investment opportunities at low minimums and fees. Technology aggregates demand and creates a hassle-free investment experience with improved liquidity and the ability to cherry-pick investments.
Moonfare is built by a highly experienced international team of talented professionals from leading technology and investment companies including Google, Blackrock, N26, KKR, Apax Partners, and J.P. Morgan.
The company is backed by 125+ CEOs, leading investment professionals and industry veterans that have previously worked at companies such as Accel Partners, Goldman Sachs, Permira, Allianz Capital Partners and KKR.. .
Simplesurance develops innovative cross-selling solutions for e-commerce shops to combine traditional insurance industries with fast-paced digital business. Simplesurance’s solution enables e-tailors to cross-sell product insurances within but not only the checkout processes and even before.
Therewith online-shops are able to monetize customers twice in one process and gain additional margins and profit. More than 2,000 partners including many well-known e-commerce platforms and mobile electronic manufacturers, use the innovative power and flexibility of the company’s cross-selling platform.
In addition, Simplesurance offers to all customers an innovative digital broker service to manage all of the insurances on smartphones, easy and completely paperless. Simplesurance was founded on 2012 and is headquartered in Berlin, Germany..
Coya offers a new hope, by redesigning and extending the insurance value chain, working backward from the customers’ real-life needs. Coya will offer scalable protection at the point of need with an AI risk guardian and simple, transparent and personalized insurance cover.
Designed from the ground up to manage life’s risks and join their customer’s journey.. .
Zeitgold provices an app which combines human expertise with artificial intelligence to allow small companies such as owners of cafes, restaurants, small retailers or craft businesses (who ususally have 3 to 20 employees), to manage preparatory accounting and other administrative tasks and run their business easily. The app app covers all areas of a business’s finance processes.
In details, the system features: – a digital, real-time and compliant cash journal, – a tool to automate preparatory bookkeeping, – a document archive, – payments tools to manage open invoices, – tools to manage personnel master data and pay employees,. .
Monedo’s Group’s mission is to improve financial freedom for the underbanked with the use of technology. Combining non-traditional data sources and machine learning, the company is aiming to provide access to better credit and a higher convenience for digital banking services.
The product offerings include consumer loans, a digital wallet and a personal finance manager designed to help customers manage their credit score and plan their spending. Monedo also offers a “Lending as a Service” model, allowing partners to integrate Monedo’s credit products via an API into their own platform and services.
Founded in 2012 and headquartered in Hamburg, Germany, Monedo covers more than 5 markets worldwide, amongst others Russia, Mexico, Spain and Poland. Up until now, the company has processed more than four million loan applications through its subsidiaries.
Monedo’s team of more than 350 people is led by CEO and Co-Founder Alexander Graubner-Müller and is financially backed by world-class investors including PayU, J.C. Flowers, Peter Thiel, and the World Bank’s IFC..
CANDIS automates financial processes such as the collection of invoices, data capture, pre-accounting, and payments – for small and medium-sized companies through artificial intelligence. That enables companies and tax advisors to save time and have a better collaboration within finance teams.
To date, Candis serves thousands of customers and invests heavily in technology.. .
Spotcap empowers SMEs with tailored finance, allowing them to focus on their business. The company operates as a direct lender to SMEs in the United Kingdom, the Netherlands, Spain, Australia and New Zealand where they offer promising businesses access to flexible finance.
Spotcap’s online application is straightforward and can be completed in as little as five minutes, either online or in collaboration with a financial advisor, broker or accountant. Spotcap was founded in 2014 and is headquartered in Berlin..
RightNow is a consumer factoring provider and one of the most successful German legaltech startups. With its products, RightNow buys consumer claims from everyday life situations and pays a large part of the reimbursement within only 24 hours.
The claims are assessed using specially developed algorithms and enforced in court through highly automated processes.. .
Exporo offers investors an overview of real estate projects in which they can invest easily, transparently and free of charge. The idea begins in 2013 with the realization that real estate project developers are increasingly looking for alternative sources of finance, as banks no longer finance entire projects as usual due to stricter regulation, and that private investors only have a lot of money, with good conditions and easy to invest in real estate.
The result of this observation is the firm decision to develop its own online marketplace to offer real estate projects as an investment opportunity and to provide capital directly between private investors and real estate companies. Simon Brunke, Björn Maronde, Tim Bütecke and Julian Oertzen founded the online platform in 2014, they are constantly evolving and they are board members of Exporo AG.
The company now employs more than 120 people and is based in Hamburg’s HafenCity.. .
Fraugster is a German-Israeli anti-fraud company that uses artificial intelligence to eliminate fraud and increase customers’ profits. Fraugster’s journey began in 2014 with the vision to design and build an anti-fraud technology that can help create a fraud free world – one where no one has to care about managing risk again.
After years of working in the payments industry, the founders experienced first-hand the challenges of fraud for e-commerce merchants. The founders discovered that all existing anti-fraud solutions were built on outdated technologies and therefore not good enough to deal with sophisticated cyber criminals.
Existing rule-based systems as well as classical machine learning solutions are expensive and can’t adapt to new fraud patterns in real-time, hence inaccurate.. .
FinCompare – Smarter Business Finance
FinCompare was founded by Stephan Heller and is a fintech startup that helps businesses to find, compare, and close the financing solutions. Via the online platform, companies can access a wide range of financing options.
They can independently compare offers from well-known banks, fintechs, and alternative financial services providers in Germany and close the financing. The company also offers a convenient one-stop destination for all financing questions relating to the company.
FinCompare financing solutions including corporate loan, factoring, company leasing/hire purchase, warehouse financing, fine trading/purchase financing, and mezzanine capital. It simplifies the financing process with its digital application process and can thus provide your company financing.
The company allows SMEs to receive and compare various offers for loans. FinCompare was founded in October 2016 by Stephan Heller and is headquartered in Berlin, Germany..
Payworks is the provider of a next generation Point of Sale payment gateway technology. With Payworks technology, developers of Point of Sale solutions for merchants can quickly and cost-efficiently integrate card payment functionality into their applications, and securely process EMV, contactless and mobile wallet transactions at the Point of Sale.
With headquarters in Germany and offices in the UK, the US and Poland, Payworks provides its technology to leading acquirers and payment providers globally. Payworks was acquired by Visa in July 2019..
Centrifuge is an open, decentralized operating system to connect the global financial supply chain. It allows participants to transact on a global network while maintaining ownership of their data, including their validated company details, their reputation, business relationships, and subsequent transactions.
The company’s team built multiple companies together over the last 18 years and they still enjoy working as a group. Together, they created software that transacts billions of dollars each day and is used by 97 out of the Fortune 100.
With the help of their world-class investors, advisors, partners, and team they started Centrifuge to go on building real software, solving real business problems.. .
Thinksurance is a distribution technology platform for business insurance in Germany. It connects insurers, distributors from several sales channels and business customers on its platform.
Business insurance distributors such as the majority of (online-)brokers and broker pools, agencies, banks, and others use the offering as SaaS to search, compare and conclude the right insurance coverage for their clients. Thinksurance leverages its proprietary technology to make the process as easy as possible, e.g.
with several APIs to distributors CRMs and insurer systems. All relevant insurers already partner with the platform leading to an unrivaled market coverage in the commercial insurance space for small and medium-sized enterprises.
Also, insurers are offered adjacent services such as Data Analytics, Portfolio Transfer, After Sales Processes or White-Label-Solutions for their internal use. Thinksurance also includes an own Online-Broker “Gewerbeversicherung24” which operates on www.gewerbeversicherung.de to get direct feedback from businesses to improve their service for partnering distributors and insurers..
NAGA is disrupting the worlds of trading and investment by making them more open and inclusive. It is the single solution that’s got it all: Trade, Earn, Invest, Acquire, Connect, Pay; all in one seamless and unified ecosystem that is radically social! Traders and investors from all around the world can use the NAGA technology every day in many powerful ways: invest in the financial markets (physical stocks, CFDs in stocks, indices, currencies, energies, metals, commodities and cryptocurrencies), make payments in fiat and cryptocurrency, learn about wealth as well as communicate and connect with like-minded people anywhere and anytime.
NAGA expands the one-of-a-kind experience with many other unique and innovative services such as the NAGA Mastercard, the AI-driven Portfolio baskets, the world’s first messenger where traders can exchange ideas and opinions in its public channels, Auto-Copying other traders and copying trading signals thanks to the revolutionary NAGA Signals feature. NAGA is really greater than the sum of its parts and powerful when its full spectrum of products and features are used together..
Stock markets are increasingly replacing the piggy bank as a mean for long-term wealth building. However, with thousands of financial products available across a multitude of brokers, it’s not always easy as a consumer to know where to start.
This is why getquin was founded in January 2020, to be your co-pilot when investing. From building your individualized ETF-portfolios, to enabling the purchase of ETFs with your desired broker, to monitoring your existing trading account, or even seeing how your favorite securities are performing.
getquin is your go-to platform for everything related to investing.. .
Bonify, a Berlin based FinTech-Start-up, enables customers to benefit from their credit scoring and financial data. The company gives customers free and easy access to their credit score and let them upload additional relevant data.
Then, it offers tools and personalized recommendations to help optimize the customer’s financial situation. Founded in 2015 by key executives of McKinsey and Zalando, bonify has received significant funding from internationally leading VCs and successful entrepreneurs..
FinTecSystems (FTS) was founded in Munich in 2014 and is one of the leading banking API and smart data providers in Germany. Alongside the Open Banking platform that the company uses to provide Account Information and Payment Initiation Services, FinTecSystems has primarily focussed on the analysis of financial data through an analytics platform.
Banks, FinTechs and payment service providers use FinTecSystems’ solutions to make real-time loan decisions, minimize credit risks and initiate online transfers. In March 2019, TÜV-certified FinTecSystems received BaFin authorization as an Account Information and Payment Initiation Service Provider.
With 40 staff across five locations, FTS partners include N26, Santander, DKB and Deutsche Handelsbank.. .
Myos was started in 2018 in Berlin by experienced e-commerce and financial experts. As a fintech company, they are rethinking working capital, dedicated to helping merchants globally grow to scale, fully digital and flexible.
In doing so, they go completely new ways of assessing risks and collateral based on big data and machine learning, which only became possible with marketplaces such as Amazon.. .
Modifi empower Small and Medium-Sized Businesses to trade internationally with digital trade financing. They believe that international trade is a key driver for development around the globe.
But many small and medium-sized enterprises simply cannot afford to do business internationally without reliable access to finance. MODIFI strives to change that through technology and a global ecosystem for trade partners.
They make Trade Finance available, easy, flexible and transparent. They help their partners to grow their business.
And they give them peace of mind.. .
Carl allows small and medium-sized companies and their advisors to find an acquirer or investor. Through a managed marketplace-approach, it enables a confidential channel to approach new investors and transact efficiently, easily and expand the reach in M&A processes.
On the other hand, it allows investors to substantially increase relevant deal flow and access opportunities, they otherwise would have missed. Furthermore, dedicated software allows for an efficient administration and processing of M&A deals.
Carl caters to firms with revenues between $1M to $100M and is based in Berlin, Germany.. .
Traxpay financing platform, companies have the opportunity to give their suppliers access to all relevant forms of financing such as dynamic discounting, reverse factoring and factoring. Venture-backed by global leaders in banking, payments, FinTech, and enterprise software, Traxpay offers a turnkey solution for supply chain financing and payment transactions.
Their cloud-based B2B platform provides secure, regulatory-compliant financial process automation with partner banks and their corporate clients. Traxpay is based in Frankfurt, Germany and has a fast-growing subsidiary, Traxpay, in Los Angeles, California..
FINANZCHECK.de is an independent consumer loan technology platform that enables German consumers to compare their personal loans and private financial products. The platform gives its customers visibility on all loans available covering the complete value chain from customer acquisition to credit scoring and ultimately contract signing.
In addition, Finanzcheck offers B2B2C white label and B2B consumer financing technology solutions for brokers and banks. The company receives funding from Acton Capital Partners, HarbourVest Partners, TA Ventures, HarbourVest Partners, Acton Capital Partners, and various other investors..
xbAV AG (“Xpension”)
Xpension is a trademark of xbAV AG, the German market leader in the digitalization of corporate pension & life insurance. Its software-as-a-service solutions allow life insurers, insurance agents, corporates and consumers to buy and manage pension & life insurance online.
They benefit from user-friendly information and customer journeys, transparent and efficient processes, and a single platform to connect all stakeholders. Offices are located in Munich (headquarters), Berlin und Saarbruecken.
For more information, please visit: www.xbav.de.. .
Vantik is a 2017 launched, Berlin-based PensionTech startup. Their vision is a simple and secure private pension that is as flexible as life itself, their mission is to inspire millennials saving for their future.
They are currently in their Seed phase, looking for highly motivated and inspiring team members who want to become part of a cool, motivated, and diversified team in the heart of Berlin.. .
Kapilendo is an innovative online credit market place that enables small and medium-sized companies to make cheap, fast and unbureaucratic financing by private investors in comparison to banks. The funding candidates are subjected to a credit check at the highest level by Kapilendo AG and then presented on the platform.
This gives investors the opportunity to decide in which projects they are investing and to achieve an attractive return and a high diversification of the risk already with low investment yields.. .
COMPEON is Germany’s leading financing portal for SMEs. Companies can obtain tailored offers from various financing partners for their planned projects by submitting a query free of charge at www.compeon.de.
COMPEON works with more than 220 banks, leasing companies and special providers and handles financing enquiries with a total volume of €2.5 billion every year. In addition to credit, loans and leasing agreements, the firm brokers also factoring and alternative financing products – such as mezzanine capital, purchase and project financing or private debt.
The fintech company has been on the market since 2013. In addition to its three founders and managing directors Kai Böringschulte, Dr Nico Peters and Dr Frank Wüller, COMPEON is owned by DvH Ventures, b-to-v and Tengelmann Ventures..
Penta is a digital business bank platform designed to help startups and SMEs save time and money on banking. It automates bank accounts and invoices, offers online cashless banking services, and helps to open an online banking account in minutes, enabling consumers to manage their cashflows easily.
Penta’s mission is to disrupt business banking in Europe and worldwide. It was founded in 2016 and is headquartered in Berlin, Germany..
figo aggregates financial sources from over 3,100 banks and financial institutions to enable innovative services. As Europe’s first “Banking Service Provider” figo is PSD2 ready! figo’s sophisticated platform ‘Banking as a Service’ connects modern services with more than 55 million online banking accounts in Germany and Austria.
The company is targeting the Single Euro Payments Area (SEPA) in total. Furthermore figo has set up a new connectivity standard to financial data and reduces complexity of banking implementation to a minimum figo makes banking usable wherever it adds value and creates new touch points between consumers and their partners startups and banks! figo realized the opportunities arising from PSD2 accompanied by changing customer expectations.
figo does not only provide an established banking API, but also an entire banking service platform supporting a vast number of innovative banking solutions (incl. access to bank account)..
Nextmarkets is dedicated to `helps private investors to operate in a sustainable and better educated manner on the stock exchange. For this purpose, the company developed a very easy-to-use trading platform in which private investors can trade more than 1,000 CFDs on equities , foreign exchange ( forex , FX ), bonds and commodities very intuitively – via web and mobile apps .
It is scientifically proven that more than 80 percent of all private investors fail on the stock market . This has predominantly behavioral economic reasons..
BITA is the world’s first provider of end-to-end infrastructure for index-based and systematic investing. BITA’s platform allows institutional clients to flexibly design, backtest, calculate and benchmark investment strategies and indexes without having to rely on traditional index solutions, multiple data vendors and complex internal tools.
BITA was founded in 2018 and is headquartered in Frankfurt, Hessen.. .
Brickblock is the creator of ScalingFunds.com. The SaaS solution enables fund managers and GPs to raise capital from LPs more efficiently and scale from local to global distribution.
Moreover, it allows a more efficient fund administration and helps to reduce costs by up to 70%. Brickblock reduces the time for clearing and settlement of trades on a secondary market from weeks to minutes.
A fast and global secondary market for fund shares raises the attractiveness of all alternative investment funds. While the initial focus on Real Estate funds, the technology is agnostic to the investment class and can process Infrastructure, Private Equity, Private Debt and Hedge Funds.
Brickblock is trusted partner of Sanne Group and JTC Group totalling over €350bn assets under service and was one of the first to get a Security Information Sheet approved by BaFin, the financial regulatory authority for Germany.. .
Finanzchef24 is Germany’s first online broker and comparison platform for business insurance. Whether it is a physiotherapist, a self-employed IT-consultant or a lawyer – every business is different and requires an individual risk analysis to cover all its potential company risks.
To make this process as easy as possible Finanzchef24 offers an innovative digital service for small and medium-sized enterprises by combining the benefits of robo-advice and traditional advice into an effective hybrid solution: The customer can use online self-service to determine his individual need of insurance or get personal phone-based consulting with an in-house insurance expert. With its proprietary technology, Finanzchef24 makes it possible to compare and buy insurance coverage almost instantaneously, thus rendering manual underwriting obsolete.
In order to achieve this Finanzchef24 created a dynamic rules engine that queries all company-specific factors directly to determine the individual need of insurance. In the second step, the algorithm compares the results with all available insurance rates, selects suitable offers and provides the user with custom-fit business insurance quotes.
Finanzchef24 works directly with 46 business insurers in Germany, serving over 40.000 clients. The Munich based insurtech start-up ranked number 1 fast-growing company on “FOCUS Wachstumschampions” list 2019 in the category “Financial Services” and is a two-time winner of the Deloitte Technology Fast 50 Award..
Based in Berlin, Germany, Savedo is a European online marketplace for retail investment products that ensures safely deposited savings and better interest rates across the European Union. The platform supports the involved banks by handling their customer services and providing standardized account documents.
Savedo enables its clients to easily invest across Europe without having to travel to the respective European country. Launched in 2014, Savedo’s team is comprised of experienced international finance specialists and online professionals..
BillFront is a leading and fast growing technology-enabled finance provider dedicated to digital media companies globally. Through its technology platform, BillFront frees up working capital within the industry, thereby enabling its clients’ to accelerate their growth.
BillFront provides financing between €50,000 and several millions of euros per month through integrating into its customers’ invoicing systems. The company was founded in 2015 and is run out of Berlin with offices in London & New York.
The BillFront team is led by former media M&A banker, Greg Dimitriou.. .
The NAGA Group
The NAGA Group provides personal finance and investment products under the brand name NAGA and under NAGA Markets and NAGA Global which are authorised by CySEC and St. Vincent respectively.
NAGA powers thousands of investors and traders within its socially-enhanced financial system. With its synergistic all-in-one approach NAGA combines and unifies trading, investing, transacting and community across both fiat and crypto.
NAGA’s sole purpose, to make the world of personal finance and investment more accessible and open.. .
FINEXITY AG was founded in 2018 with the purpose to liberalise the real asset market so that everyone around the globe has the opportunity to flexibly invest in real assets regardless of their budget, know-how and location. Consequently, FINEXITY has built a shopping portal that enables investors to invest in pre-selected assets within 3 minutes starting at 500 Euros, whilst granting them with the opportunity to trade their profit-shares (security-tokens) via our blockchain-based marketplace 24/7.
This way, FINEXITY utilises blockchain-technology to raise both accessibility and market liquidity within the real asset market.. .
CRX Markets AG
CRX Markets is Europe’s leading marketplace for working capital financing. By trading receivables and payables, you can optimize your cash flow through our global marketplace.
You can draw on a diversified liquidity pool across all our products. Our focus today is working capital finance for mid to large cap businesses operating on a global scale.
Based in Munich, Germany, CRX Markets was founded in 2012. Today, our international team drives the on-going development of the marketplace and the onboarding of additional clients and investors..
Companisto is an equity crowdinvesting platform for startups. It enables investors to participate in the funding of companies with an investment of their choice, and in return share profits and increases in value of the startup or property.
Companisto is the investment platform for startups and growth companies. Business angels and investors participate in groundbreaking innovations, promising companies, and ideas that write history through venture capital.
As a fintech company, they stand for lean processes, specialized knowledge, and efficient solutions. They are the driver of innovation in the field of professional online corporate finance.
In a diverse society, they assume responsibility for the founding culture in Germany and Europe.. .
flatex AG (WKN: FTG111, ISIN: DE000FTG1111, Ticker: FTK.GR) operates one of the leading and fastest growing online brokerage businesses in Europe. Executing round about 12.5 million customer’s securities transactions paperless per annum.
Offering their more than 300,000 B2C customers top services at a competitive pricing based on their modern, self-developed state-of-theart technology. Many B2B customers, the state infrastructure and established financial services companies as well as disruptive businessideas benefit from flatex’ white label banking technology and become quickly successful businesses due to the self-developed core banking system (FTG:CBS) that belongs to the most modern and most modular systems in the market – the standard platform for private and specialist banks.
In times of bank consolidation, low interest rates and digitalisation, flatex isideally positioned forfurther growth and well on its way to becoming Europe‘sleading provider of financial technology.. .
PAYMILL is a payment solution platform that enables online businesses to accept payments on their websites within a very short period of time. Its developer-friendly REST API allows its users to accept credit and debit card payments directly via their websites and mobile applications.
The API gives its users full control over their checkouts so that they are able to deliver a user experience optimized for higher conversions. Additionally, it allows its users to handle more than 100 transaction currencies in one PAYMILL account.
PAYMILL supports all major credit and debit card brands such as Visa, MasterCard, AMEX, JCB, CUP, Diners, Discover, and many others. It was launched in 2012..
We believe in wealth management democratization. We believe that everyone should be able to control their financial life and reach their financial goals.
We do that by combining simple-to-use technology with professional personal advice for all financial assets. Our Software-as-a-Service Platform automatically analyzes and plans all types of assets and enables professional advisors to deliver a data-driven and truly personal wealth management..
savedroid is the first AI saving & spending algorithm in Europe conveniently optimizing users’ lifestyle. Their free mobile app enables users to save up for their wishes without even thinking about saving.
They create significant economic value for mass market users through automated savings AND situational relevant spend optimization. Their self-learning AI algorithm analyzes users’ checking accounts, identifies saving potential and automatically transfers these savings to their users’ savings account managed by their partner bank Wirecard.
Moreover, their self-learning AI algorithm automatically identifies saving potential for services such as utilities, cell, banking, insurances etc. and offers convenient and fast in-app contract switching via their B2B partnerships with Check24, Drillisch, Freenet, 1822direkt etc.
savedroid earns recurring high margin affiliate revenues from B2B partners trough AI based lead generation in the categories of contract optimization, affiliate shopping, and consumer lending. Their AI analyzes a significant depth of financial and behavioral data enabling savedroid to anticipate users’ purchase decisions and proactively recommending situational relevant saving opportunities which help their users to reach their wishes even faster.
Their data intelligence makes them the perfect match maker for an amplitude of situational relevant and recurring high margin B2B affiliate sales opportunities.. .
Acatus is a financial services company that offers a debt capital markets platform for banks and other organizations. It offers a refinancing option via capital markets that helps family offices and pension funds.
Acatus was founded in September 2016 and headquartered in Berlin, Germany.. .
iFunded is the new online market place for global online real estate investments using the state of the art technology. iFunded makes real estate investing highly accessible, simple, transparent and affordable.
Private & institutional Investors can invest alongside experts from the real estate industry and participate in the development of selected real estate projects and generate high returns. Real Estate Developers get access to an alternative financing opportunity.
In addition they can increase public awareness in the early phase of their project and profit from the marketing effect on the platform of iFunded. iFunded accompanies as an investor throughout the entire investing process: from selecting the right real estate project for from their platform, to the right investment strategy for , to continuous information on current investments.
In order to provide with a variety of real estate projects, we cooperate with national and international building contractors and project developers. Their investments are transparent – can inform on the progress of the project invested in at any time online.
private / institutional investor dashboard will supply with current market data and reports.. .
VAI is a digital supply chain financing solution company in Europe for SMEs. They provide SMEs with purchase financing within 24 hours.
They pay your supplier immediately. You benefit from flexible repayment plans.
Preserve liquidity. Invest in your growth..
finleap is Europe’s leading fintech ecosystem, based in Berlin with offices in Hamburg, Frankfurt, Munich, Milan, Madrid and Paris. finleap offers fintech SaaS solutions to various enterprises and builds stand-alone fintech companies.
Founded in 2014 by IONIQ Group and Ramin Niroumand, finleap has already developed 17 ventures with its infrastructure and added others by acquisition to its ecosystem. These include companies such as Solarisbank, the technology platform with a banking license, ELEMENT, a fully digital insurer, and PAIR Finance, a provider of data-based receivables management.
finleap provides access to seed capital, a network of investors and experienced entrepreneurs as well as customers and top talents. The finleap group employs over 1,300 people from 80 nations..
Bilendo is the modern credit management platform, where companies can centrally map, control and automate all credit risk minimization processes. With overall decreasing profit margins, companies experience difficulties in reducing costs with existing legacy systems and outdated processes.
Credit risks cause especially unpredictable and high costs. We recognize the importance of flexible and efficient debtor processes for business success.
Therefore, as a centralized SaaS platform, Bilendo enables tasks in the invoice-to-cash process to be handled down to an individualized basis. With this innovation, companies can securely lower costs, reduce their overall credit risks and focus on business growth.
Bilendo GmbH was founded in 2015 by Markus Haggenmiller, Jakob Beyer and Florian Kappert in Munich. Together with their international team, their mission is to make credit management easily accessible for all companies using one single platform..
awamo offers a mobile, biometric core banking system (SaaS) to microfinance institutions in sub-Saharan Africa. It is affordable, easy-to-use, and platform independent.
Using this platform 300+ institutions serving 450,000+ consumers are being connected. Going forward, they will be able to additionally sell partner products & services, generating additional revenue and fostering local economic growth.
The market awamo serves accounts for more than 600m individuals in sub-Saharan Africa – only considering awamo’s core services. In awamo’s target markets, there are already more than 16,000 MFIs operational with more than 210,000 staff serving 53m+ consumers.
Besides, the microfinance sector grows at >10% p.a. and Africa’s population is about to more than double to 2.4bn people until 2050.
Currently, Awamo serves 300+ institutions with 450,000+ consumers in Uganda and Kenya. Month-over-month more than 150,000+ transactions are being processed, moving more than 7m EUR through the platform..
Blocksize Capital makes the DLT- and Blockchain-based asset market accessible for financial institutions. Our mission is to provide asset managers, family offices and institutional investors with the technical infrastructure to easily and efficiently manage Digital Assets.
Our software solution delegates all tasks and challenges related to managing Digital Assets, ranging from trading and reporting to managing an entire portfolio. Blocksize Capital is a software and infrastructure service provider for the analysis, management and trading of digital assets.
In addition to aggregated and quality-assured price data, the company also supplies software solutions for efficient and legally compliant trading (smart order routing), aggregation and analysis as well as the provision of individual reference values (index) for digital assets.. .
Heliad Equity Partners
Heliad Equity Partners focus on their home market, Germany, by drawing on the excellent network and exceptional deal flow available to us there. Moreover, Germany’s economy is by far the strongest and healthiest in Europe, and, in their opinion, will continue to remain so due to its numerous structural advantages: a vigorous SME landscape, (excessively) low interest rates given the economic upswing as well as the (excessively) low valuation of the euro, which encourages exports.
The backbone of the German economy is made up not just of the well-known blue-chip companies traded on the DAX, but it is above all built on the country’s many listed and unlisted “second-tier” small- and medium-sized enterprises. And some of these SMEs have long since ceased to be the traditional family-owned-and-operated businesses of days gone by.
Germany is currently undergoing a true start-up boom, and many German technology companies are not only able to hold their own against the competition from Silicon Valley and London – they are actually able to outperform them. Focus on 4 Sectors Over the years they have developed an explicit focus on the following four sectors: 1.
Internet & Tech 2. e-commerce 3.
Life Sciences 4. Media & Entertainment Heliad invests in both listed and unlisted companies in these sectors.
Investment Strategy Special Situations Their goal is to achieve long-term, above-average returns for their shareholders, which they have clearly succeeded in doing every single year since they introduced their new investment strategy in October 2012. In their opinion, this is only possible if one is willing to strike out in new directions and go the extra mile.
With coindex customers can invest in digital assets like bitcoin easily and securely. coindex is the first platform for intelligent crypto portfolios where users can configure index based and individual portfolios in a breeze.
The investment method is based on the cdx index family – the cdx® is the first German crypto index to receive an ISIN (DE000SLA6T71) and WKN (SLA6T7). It is a benchmark for the global crypto market.
coindex is realised in cooperation with a German bank and a custody provider based and licensed in Germany.. .
CryptoTax is helping individuals and companies in meeting their legal obligations arising from dealing with blockchain-based assets. We offer web-based tax reporting application for individuals and CryptoTax API solution for businesses.
Our tax framework was reviewed by a Big 4 accounting firm to ensure maximum compliance with the legal requirements in each jurisdiction. We have started in Germany in 2017 and launched CryptoTax US, CryptoTax Switzerland and CryptoTax International in 2019..
Billie is a fintech startup with a mission is to reinvent working capital management for SMEs by offering innovative lending products. It is solving the order-to-cash problem through a fully automated invoice financing solution tailored to small businesses.
In addition to its factoring services, Billie helps SMEs secure better payment terms by offering a pay-after-delivery product for B2B online merchants. Billie was founded in 2016 and is based in Berlin, Germany..
fulfin ist der führenden Anbieter von maßgeschneiderten Finanzierungslösungen für Onlinegeschäfte und spielt eine wichtige Rolle in der Verbesserung der Liquiditätsversorgung in der E-Commerce Branche. Auf der von fulfin entwickelten Plattform erfolgt der Kreditantrag sowie die Bonitätsprüfung online, einfach und schnell.
Das fulfin-Team besteht aus Experten mit langjähriger Erfahrung in den Bereichen E-Commerce und Unternehmensfinanzierung.. .
treefin gives the user a holistic picture of its personal finances. treefin is a constant finance assistant in your pocket.
All insurances, banking and investment accounts, aggregated and nicely shown in one dashboard across all devices (current-situation of the user). On the basis of the current situation treefin identifies savings and optimization potential (e.g.
insurance shortfall, assets with higher interest rates). Then the user has the choice to either talk to an independent advisor or will be forwarded to a comparison portal.
treefin is independent and positioned in the customers corner and makes money when the customer saves money.. .
SMACC offers machine learning technology to automate manual document-based processing tasks in finance departments. Their AI-solutions comprise document data capturing services, accounting & controlling automation, intelligent workflow application and document management solutions.
Their clients benefit from up to 90% reduction in processing time and cost.. .
Founded in 2014, finreach solutions is a Berlin based fintech company on a mission to make the enablement of consumer financial potential as simple and effective as possible. They enable their partners to realise new business opportunities by providing added value to their products and services.
Their partners rely on us to stay agile, deliver faster solutions, and make the most of their IT investment with API-led connectivity. finreach solutions developed the first automated current account switch kit (ASK), allowing banks to increase their share of primary current accounts.
Headquartered in Berlin, their team of 30 is led by CEO Markus Dränert and CPO Taner Akcok; both have profound experience in aspects that relate to entrepreneurship, technology and marketing, making them the perfect match to drive forth finreach solutions in a competitive environment.. .
Lunchio introduces a highly innovative, digital and disruptive Platform to a traditional and antiquated yet global operating industry. The traditional tax-subsidized meal voucher market.
Lunchio aims to replace the existing insufficient and technologically outdated solutions with a revolutionary and digital business model. With its Omni-Channel approach, Lunchio enables employees to redeem vouchers for any food related item at any venue, giving them 100% acceptance across whole Europe.
Lunchio is also the first to achieve a 100% tax and law compliant solution to ensure meal vouchers are only used in their originally intended way as a subsidization for food.. .
givve® is a FinTech company offering benefit solutions for employees and business partners. Age pyramid, shortage of skilled workers, fluctuation – the labour market situation is facing various challenges.
In this development, the position of the employee has changed: In the future it will be the employee who can choose their employer, and not the other way around. The attractiveness of a company decides on its success on the market – and becomes the decisive advantage in the competition with other companies.
givve® offers innovative tools for employee motivation solutions.. .
OWO technology GmbH is a fintech startup founded at Techquatier in Frankfurt. Its founding partners include one former director at Alipay Singapore and one former VP in FX & money markets at JPMorgan Chase & Co.
Its vision is to provide the tourists and travel agencies in Europe with the best payment integration and currency exchange services.. .
Werthstein GmbH was founded in the summer of 2015 with the purpose of changing the way people invest. They want to make it easier for investors to build a portfolio that reflects their personal interests and beliefs and is constructed according to professional criteria at the same time.
Private investors should benefit from diversified portfolio strategies, taking into account that the risk appetite of each person is different. That’s why Werthstein GmbH offers a discretionary portfolio management solution to its clients which can be customized by each investor very easily.
They are convinced that this way of investing will help people to improve their long-term average performance and maintain an interest in their investment portfolio – an important condition to keeping an eye on investments. They believe that investing should also be exciting and fun.
Their clients look for intellectual stimulation, they want to understand what’s trending and, if they see fit, invest. For this reason They have created Werthstein Zeitgeist investments and provide a platform for the independent experts of the Werthstein Institute to express their personal opinions as a matter of guidance to their clients..
Bitbond radically improves the issuance, settlement and custody of bonds and other assets with the help of blockchain technology and tokenization. In 2019 Bitbond received regulatory approval by BaFin to run Europe’s first Security Token Offering (STO).
The company makes its tokenization expertise and software and credit solutions available to banks and other intermediaries.. .
PEY GmbH develops mobile payment solutions using blockchain technology that are easy-to-use and require no previous cryptocurrency knowledge. The newest product, PEY.cash was created specifically to help people in countries with hyperinflation who don’t have access to bank accounts abroad.
PEY GmbH was founded in 2014 and is headquartered in Hanover, Germany.. .
Dandelin is a FinTech startup that’s using sharing economy principles in order to democratise health care. They are combining sharing economy, AI/ML and blockchain to democratise access to health care.
Now people can have access to unlimited consultations and exams for the lowest price on the market, while doctors get to increase their earnings up to 70%.. .
Forexfix is a Berlin based B2B Fintech Startup. Forexfix is a service for small and medium companies doing business internationally, for example machine-builders, hardware start-ups, or travel-agencies.
They fix currency fluctuations by taking out the risks of doing business in foreign currencies. Their solution is the first service on the market providing this completely online.
Forexfix was founded in February 2017. The founders are Robert Kröber (CEO), Gerhard Maringer (CTO) and Jonathan Loesing (CCO).
They combine experience in banking, international business, finance IT, marketing and sales.. .
Ventury Analytics develops a cloud software for economic simulation and contract analysis. The company delivers a web-based cap table management with functions such as convertible loans, ESOPs, and vesting management.
Comprehensive waterfall analyzes and scenario modeling deliver transparency about the effectiveness of new financing rounds and can be used for optimized decision-making in the financing process. The transparency helps to minimize misunderstandings between the parties before a contract is concluded.
Ventury Analytics’ mission is to improve the efficiency and effectiveness of the financing process by showing the future effects of the planned financing structure. Ventury Analytics is headquartered in Nuremberg, Germany..
isaac10 GmbH, a Leipzig, Germany-based recurring payment service. The company intends to use the funds for the technological advancement of its technology and its market entry.
The company provides a management solution for SaaS-models and all those based on recurring payments including Cloud Computing, insurers, telecommunications provider, publishers and those in the field of the sharing economy. It acts as a payment service provider (PSP) in order to implement SEPA-, Paypal- and credit card transactions and as a recurring billing service..
Fintura deals with the information provided by the companies about their investment needs and they provide matching offers from multiple banks without delay. The closing is done through their secure and easy to use platform.
Companies immediately profit through lower interest rates and quick response times in their paperless workflow.. .
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