HVB FlexFinanzierung is Live — why platforms can't afford to miss out

"Together with Banxware we are launching a product that is completely new to the market. We are closing a product gap jointly. I think with HVB FlexFinanzierung we have a perfect solution for SMEs that will set new standards." – Martin Brinckmann, Head of Small and Medium Corporates HVB

With these words, Martin Brinckmann, Head of Small & Medium Corporates at HVB, announced the HVB FlexFinanzierung last year. This partnership between Banxware and HVB brought together the best of both worlds: the speed and efficiency of fintech with the reliability and expertise of a leading financial institution. The result? A fully digital and seamless credit solution tailored to the needs of SMEs.

Now, HVB FlexFinanzierung is live, giving businesses the power to access capital faster and more flexibly than ever. But why is this a game-changer for platforms?

What is HVB FlexFinanzierung?

Banxware now offers both Sofortfinanzierung (term loans from €1,000 to €250,000) and HVB FlexFinanzierung (credit lines from €250,000 to €5,000,000), ensuring businesses have access to the right financing options for their needs.

Think of HVB FlexFinanzierung as a business’s financial safety net - an always-available credit line that allows companies to seize opportunities, manage unexpected costs, and drive long-term growth. Unlike traditional loans with rigid repayment structures, this financing solution provides the flexibility businesses need to scale.

"Adding HVB FlexFinanzierung to our product portfolio is a game-changer. Now, with two financing options in one embedded lending solution, we can serve businesses of all sizes more effectively. Whether it’s a small startup or a growing enterprise, we’re ensuring they have the right financial tools at the right time to fuel their growth." – João Colaco de Freitas, Chief Product Officer at Banxware

Businesses can apply online through a fully digital, paperless process, submit their documents, and receive pre-screening from Banxware. Once pre-approved, an HVB Relationship Manager reaches out to discuss financing details. Within just 3 days, businesses gain access to their credit line, ready to use like a regular bank account - with card transactions, direct debits, and home banking capabilities.

Key benefits: Fast, digital & flexible

Companies, that have at least €125,000 in monthly revenue and a minimum of 3 years in operation can apply for the HVB FlexFinanzierung and elevate their platform with the following benefits:

• Quick and Digital Process: The entire application is paperless and can be completed online.‍
• Fast Approval: Thanks to Banxware’s efficient pre-screening, businesses can receive their credit line within 3 days.‍
• Flexible Usage: Companies can access credit lines ranging from €250,000 up to €5,000,000, enabling them to invest with maximum flexibility in growth, working capital, expansion, and new business opportunities.
• Attractive Pricing: HVB FlexFinanzierung offers competitive pricing at bank conditions, ensuring cost-effective financing for businesses.

Two products within one solution

By integrating both Sofortfinanzierung and HVB FlexFinanzierung, platforms can become indispensable financial partners for their business customers, leading to:

• Higher B2B partner loyalty – by meeting diverse financing needs, partners are more likely to stay engaged.
• Stronger growth opportunities – empowering businesses with scalable financing drives expansion, which benefits the platform.
• Enhanced competitive advantage – platforms can differentiate themselves by offering tailored financial solutions seamlessly integrated into their ecosystem.

Our partner DFKP, one of the most successful financing brokers in Germany, is the first to integrate our latest embedded solution containing the HVB FlexFinanzierung and Sofortfinanzierung, allowing their customers to benefit from this new, flexible funding option. Moving forward, we are actively looking to expand this solution to more platforms, helping them unlock new revenue streams and enhance customer loyalty.

Ready to elevate your platform?

By offering both Sofortfinanzierung and HVB FlexFinanzierung, platforms can provide their B2B partners with financing solutions that truly fit their needs. This dual offering does more than just add value - it positions platforms as essential growth partners, strengthening business relationships and setting them apart in the market.

"We’re incredibly proud of how far we’ve come in evolving our embedded lending solution. It’s all about empowering platforms to offer seamless, scalable financing to their business customers. If you’re looking to elevate your platform and drive growth, let’s talk!" – Mandya Aziz, Chief Commercial Officer at Banxware

_{Click here to book a meeting with Mandya and explore how to integrate our latest embedded lending solution into your platform.}