FinCompare Expands Its SME Offering with the Full Banxware Financing Portfolio

First Steps with Banxware

FinCompare is one of Germany’s leading SME financing platforms. With over 25,000 financing requests and more than €2 billion in volume processed, its mission is to help small and mid-sized businesses secure the right financing solution.

Since early 2025, Banxware has been part of that mission. The initial integration of Banxware Sofortfinanzierung brought speed and simplicity to the table: digital loans from €1,000 to €250,000, paid out within 24 hours.

But for SMEs planning bigger steps, such as store openings, equipment upgrades, or long-term expansion, this alone wasn’t enough.

HVB FlexFinanzierung: Now Supporting Long-Term Business Growth

To meet those larger needs, FinCompare now offers HVB FlexFinanzierung: A flexible credit line from €250,000 up to €5 million. It’s a solution made for companies with strategic plans that can’t be squeezed into short-term structures.

What makes this offering special is not just its scale, but its foundation: HVB FlexFinanzierung is a joint solution developed by HypoVereinsbank (HVBI) and Banxware. It combines the strength and reliability of a major German bank with the speed, technology, and user experience of a fintech, bringing large-scale credit to businesses through a fully digital process.

"With HVB FlexFinanzierung, we are expanding our offering with a modern financing solution that combines fast decision-making, flexible usage, and the security of an established bank. It helps companies respond more quickly to changing demands and invest specifically in their growth." - Dirk Günther, Managing Director of FinCompare

Typical use cases include:

• Opening a new location
• Investing in larger inventory cycles
• Expanding teams or operations
• Modernizing production or logistics infrastructure

With HVB FlexFinanzierung, FinCompare can now cover both ends of the financing spectrum, from fast capital to strategic investment.

Banxware for Brokers: One Platform, All Financing Operations

Alongside the expanded product offering, FinCompare has also strengthened how it works internally: its entire advisory team now runs on Banxware for Brokers.

This all-in-one platform was built by Banxware specifically for financing advisors - removing friction from the lending process, increasing transparency, and giving brokers full control over every step, from the first inquiry to final payout.

"FinCompare’s advisors now have access to a tool that enables them to cover the entire financing spectrum: from short-term capital needs to multi-year credit lines of up to 5M€. This means maximum efficiency in advisory services and real added value for customers." - Mandya Aziz, Chief Commercial Officer at Banxware

Here’s how it works in practice:

• Start applications easily: Advisors can launch financing requests manually through an intuitive dashboard or directly via API from their existing systems.
• Track every case in one place: A central dashboard shows all active requests, their status, and what steps still need to be completed - no switching between tools or chasing email threads.
• Support clients instantly: If a business hits a technical hurdle (like linking an account or completing KYC), the advisor can step in directly, in real time.
• Streamline documentation: All required documents and messages are stored in one place, fully traceable and easy to access at any point in the process.
• Stay in sync: Whether an application is initiated by the broker or a customer self-serves online, both are linked seamlessly through the same system.

Conclusion

By enabling both HVB FlexFinanzierung and Banxware for Brokers, FinCompare now offers a complete embedded lending experience:

• One product setup, covering loans from €1,000 to €5 million
• One advisor interface, managing all customer journeys
• One smooth, digital process - from first inquiry to final payout

It’s a setup built for speed, flexibility, and growth, designed to support every SME and empower the people who guide them.

This is embedded lending at full power. Now live at FinCompare!