Banxware, the leading Berlin-based lending-as-a-service provider and embedded lending platform for small and medium-sized enterprises (SMEs), adds a major milestone to its growth journey: a partnership with UniCredit’s newly acquired BaaS platform Aion and Vodeno to enhance its automated lending solutions to SMEs and a follow-on €10 million investment from UniCredit.
„This dual development marks Banxware’s transition from a traditional structured finance model to a capital-light, highly scalable forward flow setup—unlocking the full potential of embedded SME lending across Europe and beyond.” – according to the press release.
Having successfully operated with a structured warehouse facility, Banxware now steps into a new phase of maturity: „Under the forward flow agreement, its bank partner will assume 100% of the loan book originated through Banxware’s embedded platform partnerships. This shift enables Banxware to redeploy its equity towards scaling operations, product development, and international expansion rather than capital-intensive loan funding.” – the company explained.
The move follows strong momentum: Banxware is already embedded in over 40 digital platforms and recently launched a joint lending product with Hypovereinsbank, offering businesses instant access to financing from €1,000 up to €5 million through one platform integration and application flow. For loans exceeding €250,000, the HypoVereinsbank-backed offering delivers unmatched speed, pricing, and convenience, forming the backbone of Banxware’s emerging orchestration layer.
Banxware serves as the bridge between digital platforms and a selected network of banks, alternative lenders, and specialty finance providers. By facilitating integration and maintaining strong relationships with these institutions, Banxware ensures that pre-qualified, pre-onboarded borrowers are directly aligned with each lender’s underwriting policies. This streamlined process significantly improves conversion rates and unit economics.
In parallel, Banxware for Brokers empowers loan brokers to serve their clients entirely through the Banxware platform in cooperation with HypoVereinsbank —again from €1,000 to €5 million—enhancing transparency, efficiency, and reach.
The fresh capital from UniCredit will fuel Banxware’s next phase: doubling down on its role as the middleware layer for SME lending, investing in user experience, streamlined platform integrations, AI-based underwriting, and market expansion.
„It’s a major leap forward to see our strategic partnership with UniCredit deepen further,” said Jens Röhrborn, CEO of Banxware. „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.”
Fiona Melrose, Head of Group Strategy and ESG at UniCredit, added: „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.”
„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.” says Martin Brinckmann, Head of Small and Medium Corporates at HypoVereinsbank.
The bank said that with its forward flow model and strengthened financial backing, „Banxware is poised to become the go-to infrastructure powering the future of SME lending—platform-native, lender-agnostic, and radically efficient”.
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