Banxware
Embedded financing for merchants via delivery platforms and payment providers
Banxware is a Berlin lending-as-a-service provider that lets marketplaces, payment providers and software platforms offer instant loans to their merchant customers, based on the platform's transaction data. Restaurants on Lieferando (Just Eat Takeaway) and merchants using Payone/Worldline can access financing this way. Loans are funded through partner banks.
Our reading. Best for German or Dutch restaurants on Lieferando or Payone that want a quick working-capital loan offered inside a platform they already use.
Strengths
- Financing offered directly inside platforms merchants already use
- Fast approval on transaction data
- Bank-funded (UniCredit, VR banks)
Limits
- Only available through partner platforms
- Germany and the Netherlands mainly
Founded 2020, embedded lending distributed through Lieferando and Payone; €15M round in 2023
Founded by Miriam Wohlfarth, Jens Röhrborn and Fabian Heiß; integrated in about 30 platforms
- https://paymentandbanking.com/en/embedded-finance-fintech-banxware-raises-10-million-euros/
- https://www.pl-talents.com/german-fintech-banxware-raises-e15m/