Offer state of the art lending experiences
Transform SME Lending from Cost Center to Profit Engine. Capture untapped market potential, reduce loan processing costs by up to 70%, and increase acceptance with high efficiency on risk weighted assets (RWA).
Expand SME financing without increasing overhead - while offering a state-of-the-art lending experience for your customers.
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Lending-as-a-Service (LaaS)
LaaS revolutionises SME financing by combining the strengths of financial institutions and fintechs. This allows us to optimise the customer experience, increase acceptance rates, and ensure a seamless customer journey.
Onboarding and credit decisioning
State of the art UX
Fully digital KYC and AML checks
AI based credit decision
Loan servicing
Loan management
Payout and repayments
Ongoing borrower monitoring
Dunning and collection
Lending SPV
Securitization SPV
Setup and management
Portfolio management and reporting
Debt fundraise
Modular and flexible – you choose what you need
With our flexible setup, you decide which components Banxware should handle. From customer acquisition to servicing – you maintain control while we efficiently manage the rest.
Your benefits with Banxware
Expand your reach & upselling
Leverage our platforms integrations to acquire new customers at scale, while uncovering new upselling opportunities.
State of the art UX & control over the application process
Provide a seamless, digital-first customer experience where you guide your customer through the application journey.
Fastest onboarding KYC/AML checks
Process customers digitally in minutes with automated KYC and AML checks.
AI-Driven underwriting speed
Make credit decisions in real-time using our quantitative AI models based on platform- and open banking data.
Cost efficient loan management
Streamline loan servicing,daily borrower score monitoring, repayment management, dunning and collections.
SPV management reporting
Become more efficient on your Risk Weighted Assets – have us set up and manage your securitization SPV.
What banks & brokers love about partnering with Banxware
“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.”
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"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."
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"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."
“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.”
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"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."
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