Move your business forward with effortless financing
Stop researching lenders, filling out applications, and comparing endless offers. With Banxware, submit your company information and complete KYC just once. We find the right financing options from our lending network, so you get the best fit... without the hassle.
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Here's how we do it:
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.
FAQs
Banxware GmbH is a Berlin-based fintech company that supports small and medium-sized businesses with digital financing solutions that drive their growth quickly and efficiently. You can find out more about us here.
The loan agreement is concluded directly between you and our banking partner. For Banxware Sofortfinanzierung, the agreement is concluded with UniCredit, and for HVB FlexFinanzierung, with HVB. Banxware acts as a credit intermediary in this process.The loan agreement contains all relevant information regarding your financing, as well as an assignment of future receivables in the form of a general assignment.
The costs for Banxware Sofortfinanzierung and HVB FlexFinancing are calculated differently.For Banxware Sofortfinanzierung, a fixed financing fee is charged once. This fixed fee naturally only applies when the financing is approved, and you repay it together with the financing amount during the term of the financing. The costs for your HVB FlexFinanzierung consist of two parts: the interest rate for the amount used and the interest rate for the amount not used. Your HypoVereinsbank advisor will discuss the exact terms with you.For both financing options, Banxware will never require advance payments or upfront fees.
You repay the loan in weekly instalments. The agreed amount is conveniently debited from your account by direct debit.Please ensure you have sufficient funds in your account. You will receive a reminder email four days before each direct debit.The first instalment is due on the next possible Thursday, at the earliest ten days after the start of the loan. All subsequent instalments are due weekly, always on Thursdays.