Pre-qualified SMEs, matching your risk appetite
Time to transform SME lending
Banks don’t lack capital in SME lending — they lack structured, decision-grade holistic data and forward-looking predictions. Banxware provides exactly that through one orchestration layer.
The real bottleneck in SME lending is data, not capital
Acquisition costs
You’re chasing expensive cold leads through traditional channels while rich, pre-qualified SME data and high-intent SMEs remain inaccessible inside platforms.
Legacy systems
Manual underwriting and outdated processing systems prevent you from achieving the speed and scale needed for profitable SME lending in today's market.
Fragmented data
Fragmented SME data and unclear industry benchmarks across platforms and systems prevents consistent risk assessment and limits scalable, risk-adjusted pricing.
Transform how you acquire and underwrite SME credit:
With Banxware’s orchestration layer, AI-powered data structuring and automated assessments enable instant decisions across embedded platforms — reaching pre-qualified SMEs at scale.
Expand Your SME Reach
Move beyond saturated markets. Access platform-embedded SMEs in a billion lending market that remain out of reach for traditional channels.
Enhanced risk quality:
Platform-verified SMEs deliver better performance
Pre-defined deal flow:
Only borrowers matching your risk appetite reach you
3x higher conversion:
Platform SMEs convert better - they're already in growth mode
Reduced acquisition costs:
Platforms bring qualified borrowers directly to you
Increase Your Operational Efficiency & Scale
Leverage our orchestration model to scale lending. Deploy your capital more efficiently across pre-vetted opportunities.
Operational leverage:
Handle 10x more applications without proportional staff increase
70% cost reduction:
Cut costs through digital KYC/AML and automated workflows
End-to-end automation:
We handle loan origination and optional loan management
One integration:
Single technical setup instead of managing multiple APIs/contracts
Take Data-Driven Decisions
Make lending decisions combining traditional credit models with cashflow-based performance predictions that delivers higher conversion rates and better risk assessment.
Real-time business data:
Live transactions, revenue trends agencies can't see
Enhanced risk assessment:
Your credit models combined with our cashflow-based underwriting
Lower defaults:
Platform SMEs perform 40% better than traditional applicants
Accelerated decisions:
AI scoring enables instant decisions vs weeks of review
We are the orchestration layer between origination and capital
– Powering the full SME lending stack
What banks gain with our Orchestration Layer
Concrete benefits that turn SME lending challenges into competitive advantages for forward-thinking institutions.
Lower CAC
Cut acquisition costs by 60% via direct access to multiple platforms, eliminating branch overhead.
Faster Loan Processing
Reduce processing from 3-4 weeks to hours via automated KYC/AML & AI analysis.
Enhanced Risk Assessment
Access real-time data & behavioral insights with 40% better risk profiles.
Reduced Default Rate
The Banxware score aligns 1,75× stronger with real defaults than agency scores.
Operational Cost Reduction
Lower unit costs from €10,000+ per customer via automated data collection & workflows.
Pre-Qualified Deal Flow
Get bespoke applications fitting your credit box, improving conversion rates.
Holistic 360° view
See the full SME lending picture: risks, offers, and performance in one flow.
Forward-Looking Predictions
Replace backward-looking agency views with predictive revenue and risk signals.
Modern Digital Infrastructure
Meet rising SME expectations with digitized financing & state-of-the-art-UX.
What our partners say about us
“As brokers, we’re committed to offering simple, tailored financing solutions for our clients. However, our platform can only simplify the process to a certain extent, which is why we rely on trusted partners like Banxware to optimize it from start to finish. With their seamless, fast, and low-bureaucracy approach, Banxware has become a vital partner for us.”
.jpeg)
"Embedded financing is the future, and Banxware is perfectly positioned to lead this growth. Their state-of-the-art technology, seamless digital processes, and market presence make them the ideal partner for us at HVB. By combining Banxware's agility with our expertise, we're unlocking a new era of SME financing."
.jpg)
%201.svg)
"Partnering with Banxware is key for Qonto in Germany as we build the leading European business finance solution. We are committed to empowering businesses with the business banking and finance tools they need to thrive, and Banxware's expertise in providing tailored financing solutions is essential to achieving this goal."
"The collaboration between DFKP and Banxware combines the best of both worlds: our data-driven credit brokerage with Banxware's efficient digital processes. Together, we have created a process that is valuable for both customers and advisors alike, allowing us to optimally serve SMEs – with the speed of a fintech and the reliability of a bank."
“Banxware's uncomplicated financing solution fits the needs of our restaurant partners perfectly.
The industry is currently facing many challenges and we are pleased to be able to support restaurateurs as a strong partner together with Banxware. For several months, restaurant partners have been able to apply for fast and flexible loans via our web shop in just a few steps to further expand their business.”
.jpg)
“At Tide, our mission is to support small businesses, freelancers, and the self-employed with everything related to finance and administration. Expanding our offering to include financing is an important next step in that journey. Access to funding is one of the biggest hurdles many entrepreneurs face - especially in the early stages. Together with Banxware, we’re excited to support both new and existing Tide members with simple processes and tailored financing solutions.”
%20(1)%20(1).jpg)
.jpg)
"Self-employed people, founders and entrepreneurs are driving our progress - and we at Lexware are doing everything we can to make it easier for them to run their business. Together with Banxware, we make financing simple, digital and immediately available. So that entrepreneurial opportunities don't fail due to bureaucracy, but lead to growth. This is how technology becomes real entrepreneurial freedom."
%20(1).jpg)
%20(1).jpg)
.png)
"Banxware's service is a valuable addition to our own portfolio of financing solutions. With the fast and straightforward processing, our customers are provided with quick financing assistance and liquidity. With this easy access to capital we are not only able to support our clients in the short term, but also enable the growth of their businesses."
.jpg)
"At Tidely, we help businesses manage their liquidity and plan for future needs. In the past, we were limited to telling customers to 'solve their liquidity problems and come back later.' With Banxware’s embedded financing solution, we can now offer instant liquidity directly on our platform, ensuring they have the support they need for both immediate challenges and future growth."
.jpg)
"Our all-in-one software solutions and services support online retailers across the entire value chain, making their work easier. Especially in times when businesses are facing the challenges of crises, our top priority is to provide simple solutions that ensure efficient and stable operations while enabling growth. A modern financing option is essential for this. Banxware is the ideal partner for us because they eliminate outdated structures and address real business needs."
.jpg)
One integration. Multiple platforms. Exponential growth.
The infrastructure powering embedded lending that 50+ platforms trust - join the network and offer your SMEs the best financing rates.
FAQs
Banxware’s orchestration layer connects and coordinates the full lending value chain: from onboarding and credit decisioning to disbursement, servicing, and collections. Banks and lenders can use the entire stack or activate only the modules they need, while keeping products, capital, and risk ownership fully in their control.
Banxware supports a broad range of lending products, including term loans and credit lines. Products are configured through modular workflows and flexible decisioning rules. New products can be added quickly and distributed consistently across platforms.
Banxware is not a single-purpose software tool or servicing provider. We operate as an orchestration layer, enabling lenders to unify all components of the lending journey in one place.
You gain:
- A single integration instead of multiple vendor integrations
- End-to-end workflow automation
- Configurable lending products without long IT projects
- Embedded distribution across platform partners
Launch timelines depend on scope. But Banxware is designed to shorten time-to-market significantly and we offer both fast-track and customized launch options. With our light-touch setup, banks can go live within weeks, using to ready-made modules, standardized APIs, and pre-configured workflows. More complex setups scale from there, without rebuilding the underlying infrastructure.