Embedded lending platform Banxware raises €10m from UniCredit

June 5, 2025

Berlin-based Banxware, an embedded lending and lending-as-a-service platform tailored to small and medium-sized enterprises (SMEs), has secured €10m in strategic funding from UniCredit.

The investment comes alongside Banxware’s new partnership with UniCredit’s recently acquired BaaS platform, Aion and Vodeno. This collaboration supports Banxware’s transition from a traditional structured finance model to a forward flow lending approach, aimed at achieving capital efficiency and international scalability.

Banxware provides a platform that bridges the gap between digital ecosystems and a curated network of banks, non-bank lenders, and specialised finance providers. The company enables these institutions to connect with pre-qualified borrowers directly through embedded solutions on digital platforms. Banxware is currently integrated with over 40 platforms. It recently launched a joint lending product with Hypovereinsbank, offering financing from €1,000 to €5m through a unified application and interface.

The fresh funding will support Banxware’s evolution into a capital-light infrastructure player. It plans to use the investment to enhance user experience, develop AI-based underwriting models, and accelerate expansion across Europe. The new forward flow model allows Banxware’s bank partner to fund 100% of the originated loans, freeing Banxware’s equity for growth and product innovation.

Banxware CEO Jens Röhrborn said, “It’s a major leap forward to see our strategic partnership with UniCredit deepen further. We’re not just scaling—we’re shaping a new infrastructure layer for business lending in Europe. With every new platform we embed and every lender we connect, we’re moving closer to a future where access to capital is as seamless and intelligent as the platforms SMEs use to run their businesses.”

UniCredit head of group strategy and ESG Fiona Melrose said, “Banxware uniquely combines fintech agility and user-centricity with the financial strength and distribution of a major bank. Through Banxware’s platform reach, UniCredit is extending its footprint across the digital SME economy in Europe, continuing to unlock the Group’s acceleration.”