Credit line of up to 5 million € for SMEs - 100% digital, applied for in just 15 minutes
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Bank credit without bank bureaucracy: The best of both worlds
Die HVB FlexFinanzierung powered by Banxware is your solution for fast and maximally flexible business financing.
Banxware handles the digital application process: you securely upload your documents and connect your business bank account - no branch visit or paperwork required. Your personal HVB advisor will get in touch with you, discussing terms and your individually available credit limit from 250.000€ to 5 million €.
Benefit from bank-grade financing conditions and rely on a financing solution that supports your business goals - maximally flexible, transparent and tailored precisely to your needs.
Who is applicable:
- Comapnies that have been active for at least 3 years
- Monthly revenue exceeding 125,000 €
- Companies headquartered in Germany
- Accepted legal forms: GmbH, GmbH & Co. KG, AG, UG, GbR, OHG, KG, e.K., sole proprieters and freelancers
What you need for a complete application:
- Most recent annunal financial statement, no older than 2 years
- BWA & SuSa for the last complete financial year
- Current BWA & SuSa no older than 3 months
- Compledted digital decleration (during application process)
- Self-disclosure for partnerships (during application process)
- Connection of your bank account (during application process)
Your data is transmitted in compliance with GDPR and used exclusively for the credit assessment.
Frequently asked questions
The process is fully digital, takes approximately 15–20 minutes, and is non-binding. During the application, you connect your business bank account - this allows us to verify your revenue and prepare a tailored offer for you. After submission, communication takes place primarily by email: you receive your personalised offer, can clarify any questions, and sign the contract digitally. Following contract signing with HVB, your credit line is typically available within 3 days.
The costs of the HVB FlexFinanzierung consist of two components: an interest rate on the amount actually drawn down, and an interest rate on the unused portion of your credit line. The exact terms are determined individually - depending on your business and revenue - in consultation with your HVB advisor. There are no hidden costs and no upfront fees.
The credit line is provided by HypoVereinsbank (HVB). HVB is the lending bank and your contractual partner for the credit line. Banxware handles only the digital application process and the initial assessment, making the path to your credit line as simple and fast as possible. You benefit from bank financing at bank conditions - without the bureaucratic overhead of a traditional bank loan.
An overdraft facility is tied to your current business account and is typically used to cover short-term liquidity fluctuations. The HVB FlexFinanzierung is a standalone revolving credit line with a significantly higher limit, operating independently of your existing bank.
Banxware GmbH is a Berlin-based fintech startup that enables platforms to offer financing directly to their customers. You can find out more about us Here.
Do you have any questions for us?
Experts like Paula understand your business. Call us on +49 30 311 937 03, send us an email, or click the Contact us button to fill out the contact form.
Start your application today
Fast, free and unbinding.