Banxware, an embedded lending platform and lending-as-a-service provider focused on SMEs has announced a fresh €10m investment from UniCredit.
The investment comes as part of a broader strategic move, coinciding with Banxware’s transition to a forward flow funding model. UniCredit made the investment through its recently acquired banking-as-a-service platform Aion and Vodeno, strengthening its partnership with Banxware.
Banxware operates an automated lending platform that connects digital marketplaces and platforms with a curated network of banks and non-bank lenders. The company enables seamless integration with SME platforms, allowing embedded access to financing from €1,000 to €5m.
With this latest investment, Banxware will accelerate its shift away from structured warehouse facilities to a forward flow model, where the bank partner assumes 100% of the originated loan book. This capital-light approach will allow Banxware to focus its equity on scaling operations, expanding internationally, enhancing product development, and advancing its AI-driven underwriting and orchestration capabilities.
The company is already embedded in more than 40 digital platforms and recently launched a joint lending product with HypoVereinsbank. The solution offers instant access to business loans through a single integration, targeting both smaller financing needs and larger loans over €250,000 with competitive pricing and streamlined processes.
Banxware also supports brokers with its Banxware for Brokers solution, enabling them to serve clients entirely through its platform in collaboration with HypoVereinsbank.
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.”
HypoVereinsbank head of small and medium corporates Martin Brinckmann added, “The German market is characterized by rapidly growing B2B platform revenues. Together with Banxware, we now offer our credit solutions at the point of need of our SMEs.”
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