How Qonto strategically expands its financial ecosystem with Banxware
From a digital business account to an all-in-one platform: with Banxware’s embedded lending solution, Qonto gives its business customers fast and straightforward access to financing - seamlessly integrated into their day-to-day business banking.
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Founded in France, now established across Europe as a leading business banking platform for SMEs.
Qonto was founded in France in 2016 by Alexandre Prot and Steve Anavi. The initial trigger was their observation that traditional banks often move too slowly for SMEs and fail to address their specific needs. From this, the vision emerged to radically rethink business banking and focus entirely on digital, user-centric solutions.
Today, more than 600,000 active business customers across eight European countries trust the company. Qonto has long evolved beyond a traditional business account. The platform combines modern business banking with powerful financial tools for invoicing, accounting, expense management, and team management, all brought together in one seamlessly integrated ecosystem.
Since its founding, Qonto has enabled entrepreneurs across Europe to manage their financial processes efficiently and free up valuable resources to focus on their core business.
Qonto offers a wide range of services, yet one key opportunity had remained untapped.
Qonto has continuously expanded its service offering for SMEs, gradually evolving into a comprehensive platform for business finance. However, one crucial building block was missing: fast, fully digital financing solutions. This gap became particularly evident when customers needed liquidity, they had to turn to external providers.
For Qonto this meant not only missed opportunities to deepen customer relationships, but also a gap in its ambition to be perceived as a true all-in-one platform.
Customer Churn When Financing Was Needed
When it came to financing, customers turned to external providers, precisely at a business-critical moment. As a result, valuable opportunities to strengthen customer loyalty were lost.
Incomplete Product Offering
Despite its broad range of modern services, Qonto lacked a key offering: integrated financing options. This put the company at a significant disadvantage compared to traditional banks.
Rising Customer Expectations
Modern SMEs expect digital, integrated services embedded directly into their day-to-day business banking. When these are missing, both customer loyalty and platform engagement suffer.
The financing reality of Polina Sergeeva, founder of menstruflow.
Polina Sergeeva is the founder of menstruflow, a startup specializing in sustainable period products. Like many young, self-funded businesses, she regularly faces the same questions: how to finance production costs and how to maintain sufficient liquidity to support growth.
With Banxware, Qonto brought fast financing directly into the business account.
Thanks to the seamless embedded lending integration, Qonto customers gain direct access to fast business financing, without lengthy bank meetings or the need to leave the platform. Credit decisions are made digitally, data-driven, and with maximum speed.
For Qonto, this marks a decisive step toward completing its ecosystem and evolving the platform into a truly comprehensive financial solution.
The Benefit for menstruflow
With Banxware’s embedded lending solution, menstruflow gains direct access to liquidity within the Qonto platform, exactly when it’s needed. Without detours or unnecessary hurdles, financing scales alongside the business, giving Polina the freedom to focus on what truly matters: growing her company.
Embedded lending for platforms
Go live without dev resources.
Our embeddable lending product lets you start offering loans immediately — without interrupting your business.
Provide tailored loans from 1k-5M EUR.
Banxware uses transactional data to offer instant personalized loans and credit lines in partnership with UniCredit.
We manage the loan process from start to finish.
You deliver an exceptional financing experience without any risk. Banxware handles every step of the application and loan management process, plus all regulatory compliance — while you earn a commission and your customers’ loyalty.
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Stronger Market Position
By integrating financing solutions, Qonto has evolved into a true all-in-one solution for business finance. This creates clear differentiation from competitors and sustainably strengthens its own ecosystem.
Better Customer Journey
Qonto customers can access all financial services, from business accounts to financing, in one place. This ensures seamless processes, greater convenience, and deeper engagement with the platform.
Higher Customer Loyalty
With financing integrated directly into Qonto, there is no longer a need to switch to external providers. This strengthens customer loyalty to the platform and noticeably extends the active customer relationship.