We democratize access to capital with easy platform-integrated business loans

Our team

Jens Röhrborn

FOUNDER | CEO

Jens is the founder and managing director of Banxware. He is a German qualified lawyer and has over 20 years of experience in the payments and banking industry.

Miriam Wohlfarth

FOUNDER | CEO

Miriam is the founder of Banxware. She is a successful FinTech entrepreneur, founder of Ratepay, with more than 20 years of experience in payment, banking and eCommerce.

Fabian Heiß

CO-FOUNDER | CPO

Fabian is co-founder and CPO of Banxware. He has more than 15 years of experience in the banking industry and built different fintech products for finleap and others. Fabian holds an MBA from HHL – Handelshochschule Leipzig.

Nicolas Kipp

CO-FOUNDER | CRO

Nicolas is Co-Founder and Chief Risk/Banking Officer of Banxware. He has extensive experience in the financial services industry both in strategy consulting as well as with startups. He has successfully built the risk model of Germany’s largest white-label Buy Now, Pay Later service provider.

Diogo Simões

CTO

Diogo is the CTO of Banxware. Engineer at heart, Diogo brings +10 years of experience in engineering, in the Consumer Electronics, IoT and Fintech spaces, most recently as Group Lead at Klarna.

Our investors

Our story

Banxware was founded in mid-2020 by Jens Roehrborn and Miriam Wohlfarth to build a white-label merchant cash advance solution that enables platforms such as PSPs and marketplaces to offer revenue-based financing to their merchants.

We carefully addressed every potential challenge for our partners, including seamless platform integration and fast loan decisioning for speedy credit approval.

By the end of 2020, Banxware had stress-tested its loan application and credit decision engine by brokering government-backed Covid-19 relief loans to PENTA customers.

The first live partner was Lieferando, Germany's largest food delivery platform and part of the Just Eat Takeaway.com N.V. group.

Banxware is now offering easy business loans to merchants through various platforms, such as Payone (Ingenico) and TeleCash by Fiserv, Alphapool, everstox, E-Commerce One and Forto.

The principles that define our work,
ethics and behavior

Respect
We are respectful of people’s differences and diversity and show respect in all communications with others.
Helpfulness
We are helpful in our interactions with partners and sellers, thinking about how to proactively assist.
Transparency
We are transparent in how we communicate, minimizing confusion with openness and clear language.
Pragmatism
We take a pragmatic approach in all that we do, enhancing usability and sustainability everywhere.
Collaboration
We collaborate with our partners and learn from each other to get the best results for all involved.
Trust
We show trust and act in a way that fosters trust in our relationships with partners and sellers.

Our mission

In the future, business loans will no longer be primarily provided by banks.

The platforms businesses use in their everyday lives will take over this function, offering their sellers easy access to credit to grow their businesses.

By enabling platforms to offer financing directly to their customers, we transform businesses' experience when they apply for a loan.

Small businesses with no access to traditional bank loans can now use Banxware's platform integrations to apply for easy business loans. It's fast, convenient, and can be accessed easily from the platforms they use every day.

Our end-to-end solution covers all technology, capital, and regulatory requirements - allowing businesses and their platforms to grow and thrive together.

We recognize potential and deliver the financing businesses deserve.

Our vision

To provide capital to businesses and enable platforms to seamlessly integrate embedded lending into their value proposition.

Our motivation

We believe in the platform economy and creating easier access to credit for growing businesses. Our solutions are easy, fast, digital, and accessible to all. With Banxware, platforms and their sellers can grow together.

Be a part of the future of embedded lending