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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“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.”
"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."
"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."
"Unsere Software-Lösungen und Services aus einer Hand unterstützen Online-Händler über die gesamte Wertschöpfungskette und sollen ihnen die Arbeit erleichtern. Gerade in Zeiten, in denen die Unternehmen mit der Bewältigung der Krisen konfrontiert sind, hat es für uns oberste Priorität, einfache Lösungen zu bieten, mit denen effiziente und stabile Geschäftsabläufe gesichert sind und Wachstum generiert werden kann. Dazu ist auch eine zeitgemäße Finanzierungsmöglichkeit essenziell. Banxware ist der prädestinierte Partner für uns, weil das Unternehmen veraltete Strukturen obsolet macht und den tatsächlichen Bedarf erfüllt."
