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What started as a solution for short-term financing needs is now becoming a strategic growth driver in the Urban Sports Club ecosystem. With the integration of HVB FlexFinanzierung, Banxware and USC are taking their partnership to the next level - giving partners access to flexible credit lines of up to €5 million. The story of Danny Klose, co-founder of Mindful Life Berlin, already demonstrates how the previously available Sofortfinanzierung through the platform has supported partners in their growth journeys. With this expanded solution, Banxware and USC now offer partners the financial flexibility they need to make truly strategic decisions.
The Mindful Life Berlin Story
Danny Klose, co-founder of the Berlin yoga studio Mindful Life, faced a major entrepreneurial challenge: a strategic repositioning didn’t have the desired success, and financial resources were dwindling.
At this point, he remembered a newsletter from Urban Sports Club: financing available directly through the platform, made possible by Banxware. For Danny, it was exactly the right impulse at the right moment.
Within minutes, Danny submitted his application for Sofortfinanzierung. The process was fully digital, and just a few days later, the funds were in his account.
“The payout was incredibly fast - exactly what you need as an entrepreneur. Banxware really gets it: clear communication, quick decisions, and a solid understanding of business realities.”
– Danny Klose, Co-Founder, Mindful Life Berlin
Embedded Lending at USC
Integrating Sofortfinanzierung into the Urban Sports Club ecosystem has proven to be a real gamechanger. Studios get direct access to fast capital - right when they need it, whether for new equipment, renovations, or bridging seasonal gaps.
Benefits for studio partners:
- Simple application in just 15 minutes
- 100% digital – no paperwork, no in-person appointments
- Payout typically within 24 hours
Benefits for USC as a platform:
- Stronger partner loyalty
- Competitive differentiation
- Increased studio engagement and investment activity
Now Live: HVB FlexFinanzierung
With HVB FlexFinanzierung, Banxware and Urban Sports Club are opening a new chapter: Alongside Sofortfinanzierung, USC partners now have a second option, designed for larger projects, long-term plans, and strategic investments.
Unlike a classic one-time loan, this is a revolving credit line of up to €5 million that studios can draw on flexibly - whenever capital is needed, with no fixed repayment schedules and maximum freedom.
Sofortfinanzierung
- €1,000 – €250,000 loan
- One-time payout
- Fixed weekly repayments
- For short-term needs and projects
HVB FlexFinanzierung
- €250,000 – €5,000,000 credit line
- Financing available on demand
- Flexible repayment based on usage
- For strategic, large-scale investments
The comparatively high financing volume of HVB FlexFinanzierung opens up entirely new possibilities for ambitious partners:
- Expanding locations – including construction, leasing, outfitting
- Franchise models or expansion into new cities
- Digital business models – such as online platforms, hybrid formats, or dedicated apps
- Investments in inclusion, accessibility, and infrastructure
- Market entry or relaunches with marketing and personnel investments
The big advantage: The capital is ready but only used when it’s truly needed. This keeps partners flexible, agile, and ready for growth.
Who Can Apply?
To qualify for HVB FlexFinanzierung, studios should meet the following criteria:
- Minimum monthly revenue of €125,000
- At least 3 years of operating history
The application begins directly in the USC partner portal and stays just as seamless as the experience partners already know.
Conclusion: Lending as a Growth Driver
The partnership between Banxware and Urban Sports Club shows how platforms can create real added value through integrated financing. With Sofortfinanzierung, studios like Mindful Life Berlin have been able to access capital quickly and easily.
The launch of HVB FlexFinanzierung now takes this partnership to a new level: USC partners gain access to flexible credit lines of up to €5 million, enabling strategic growth - whether for expansion, digitalization, or new business models. To qualify for HVB FlexFinanzierung, studios should have a minimum monthly revenue of €125,000 and at least 3 years in operation. The application process begins digitally via Banxware, followed by a personal consultation with HypoVereinsbank.
For platforms, this is a real opportunity: they evolve from pure service providers to strategic enablers, strengthening bonds with their partners and offering solutions far beyond classic platform services.
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