Orchestration Layer
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SME financing
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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.

Talk to our experts
“By combining Banxware’s agility with our expertise, we’re unlocking a new era of SME financing.”
Portrait of a man in a suit and tie with a blurred office background.
Martin Brinckmann
Head of Small and Medium Corporates HypoVereinsbank
Member of the Executive Board at UniCredit Bank GmbH
The problem

The real bottleneck in SME lending is data, not capital

Inefficient acquisition

You rely on brokers and cold channels, while high-quality SMEs sit inside platforms you can’t access.

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Manual underwriting and outdated processing systems prevent you from achieving the speed and scale needed for profitable SME lending in today's market.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

You’re pricing with incomplete data. Without platform and transaction data, you’re missing a full view of SME performance and risk.

Our solution

Get pre-qualified SME loan demand, ready to underwrite.

Our orchestration layer connects you to platforms where SMEs already operate, using real business data to pre-qualify applicants before they reach you. Make faster decisions, improve conversion and deploy capital more efficiently.

Access SME demand your competitors can't reach

We connect you to platforms where SMEs already operate, giving you access to pre-qualified borrowers you can’t reach through traditional channels.

Enhanced risk quality

Platform-verified SMEs deliver better performance.

Right deals, not more deals

Only borrowers that meet your criteria are passed through.

Higher conversion rates

These SMEs are already trading and growing, not just browsing for credit.

Lower acquisition costs

No brokers or cold leads. Platforms deliver qualified demand directly.

BANXWARE logo connected by curved lines to twelve SME labels each with a different colored icon representing various industries or sectors.

Deploy capital faster, with less operational overhead

Process more, without adding headcount. Pre-qualified applications reduce manual review and filter out low-quality demand.

Operational leverage

Handle 10x more applications without proportional staff increase.

Lower cost per application

Digital data collection and automation reduce operational effort.

Faster, cleander decisioning

Structured data means quicker credit decisions and fewer drop-offs.

One integration, not multiple partners

Access platforms, data and routing through a single connection.

Loan setup process with steps 1 to 5 listed, showing steps 1 to 3 completed and steps 4 and 5 pending.

Maker better credit decisions with real business data

Combine your existing models with platform and transaction data to assess SME performance more accurately before you lend.

Real-time business performance

Access live transaction and revenue data, not just historical fillings.

Better risk visibility

See how SMEs actually trade, not just how they report.

Lower defaults:

Platform SMEs perform 40% better than traditional applicants

Accelerated decisions:

AI scoring enables instant decisions vs weeks of review

Circular progress gauge showing a score of 17 out of 20, with data types 1, 2, and 3 connected above.
Diagram showing BANXWARE at the top connected to companies Qonto, ikas, tide, tidely, Deutsche Firmenkredit Partner, and Händlerbund, further connected to various SME sectors.Loan setup process progress with steps 1 to 3 completed: Configure Loan Offer, Business & Owner Details, Bank-Linking & Revenue Data; steps 4 and 5 pending.Circular progress bar showing a score of 17 out of 20 from three different data types.
How it works

We are the orchestration layer between origination and capital

– Powering the full SME lending stack

Flowchart showing a lender connected to three options: two financing products and a second look capability, all merging into a single process.Banxware Orchestration Layer with features: Always-on Pipeline, One API, Modern UX, and Digital KYC/AML, highlighting One API.Flow diagram showing three sources—Credit Brokers, SME Aggregators, and Banxware direct—merging into a single point.Diagram showing multiple circles labeled SME, with some highlighted and checkmarked to indicate selection or qualification.Illustration showing an upward arrow and a label reading Pre-qualification.
Hover to learn more
Flowchart illustrating Banxware orchestration layer linking lenders and credit brokers to SME lending marketplaces and aggregators, highlighting features like second look capability, one API, digital KYC/AML, pre-qualification, and an always-on pipeline.
Explainer video

Why orchestration is the next logical step for the ecosystem

Benefits

What banks gain with our Orchestration Layer

Access better SME demand, faster decisions and improved credit outcomes.

Lower acquisition costs

Access pre-qualified SMEs directly from platforms, reducing reliance on expensive channels.

Faster decisions

Structured data and automation reduce decision times from weeks to hours.

Better risk assessment

Combine your models with real-time platform and transaction data for more accurate credit decisions.

Transaction-Based Risk Scoring

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.”

André Lichner
CEO Fynbiz
Loan Broker

"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."

Martin Brinckmann
Head of Small and Medium Corporates HypoVereinsbank
Bank

"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."

Alexandre Prot
Co-Founder & CEO Qonto
Business Banking

"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."

Thomas Stanner portrait
Thomas Stanner
Chief Product Officer
Berlin DFKP Brandenburger Tor
DFKP Deutsche Firmenkredit Partner Logo
Loan Broker

“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.”

Katharina Hauke
Katharina Hauke
former General Manager Lieferando
Food Delivery Platform

“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.”

Anna Fromme-Schoen
Country Managing Director Germany
Bank

"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."

Portrait of Christian Steiger, Managing Director at Haufe-Lexware GmbH & Co. KG.
Christian Steiger
Managing Director Lexware & Founder Lexware Office
Lexware logo – Provider of business software solutions for freelancers, self-employed professionals, and small businesses.
Accounting

"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."

Jens Wohlfahrt
Head of Fyrst
Bank

"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."

Niclas Storz Founder
Niclas Storz
Founder & CEO Tidely
Liquidity Mgmt

"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."

Daliah Salzmann
Managing Director ECOMMERCE ONE
E-Com Platform

One integration. Multiple platforms. Exponential growth.

Banxware logo with a lightning bolt symbol integrated into the letter X inside a white rounded rectangle and a thin circle on a black background.Circular diagram with four company logos spaced evenly: Agicap, Lexware, Lieferando, and Qonto.Circular graphic with four logos arranged around it: Deutsche Firmenkredit Partner at the top, Refurbed on the left, Tidely on the right, and Big Buy at the bottom.Circle infographic titled 'An ecosystem of connected solutions' with four company logos around the circle: Frienton, tide, anfy, and FYRST.Circular ecosystem graphic ring showing a central purple circle labeled 'Users' surrounded by four white oval nodes labeled 'SME' connected by curved lines.Diagram showing an ecosystem of expertise sharing between SME accounting teams and a central SME accounting team, connected through corporate accounting platform, Consolidation & Reporting, and Accounting data hub, highlighting automated consolidated close and real-time accounting insights.

The infrastructure powering embedded lending that 50+ platforms trust - join the network and offer your SMEs the best financing rates.

Become a partner

FAQs

Can Banxware provide the full lending value chain from onboarding to credit decisioning to loan management and servicing?

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.

Does the orchestration layer support multiple lending products?

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.

What makes Banxware different from traditional loan-servicing or technology vendors?

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

How quickly can we launch a new lending product using Banxware?

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.

Still have questions?

Contact us

Why early movers win in platform lending

While competitors build individual platform partnerships, smart banks tap into our entire ecosystem through a single API - and benefit from every new platform we add.

Talk to an expert
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