Business financing for every company.
Fast & uncomplicated.
Your business, your vision:
We have the right financing
Sofortfinanzierung
term loan for small businesses
- Up to €250,000 in 15 minutes with no business plan required - apply conveniently 100% online
- A quote will be sent by email
- Once the contract has been signed, the amount will be transferred to your account within 24 hours
.png)
HVB FlexFinanzierung
credit line for SMBs
- From €250,000 to €5 million – apply 100% online with ease
- Quotation by email, followed by a consultation with HVB
- Once the contract has been signed, the amount will be transferred to your company account within a maximum of 72 hours
%20(1).png)
Why businesses choose Banxware
.png){kind=logo}
"Requested at 6 PM Monday, and by Thursday the financing was in our account. That allowed us to invest in new machinery, vehicles, and staff and grow by 15 percent."
%20(2).jpg)
“Applied, received approval just 3 days later, completed verification right away, and the money was in my account 30 minutes after signing the contract. Highly recommended anytime!"
.jpeg)
“Banxware helped us develop a digital leasing platform that improved our processes by light-years. What used to take 15-20 minutes now takes just 2-3 minutes!”
%20(1)%20(2).jpg)
"On a Friday evening, we needed €25,000 to seize a growth opportunity. Thanks to Banxware, everything was fast and digital - by Monday, the money was in our account."
"Thanks to Banxware, we can quickly and flexibly seize new opportunities and expand our clothing assortment, knowing that a fast and digital financing partner is always just a click away."
"Banxware helped us overcome financial barriers. Thanks to the fast financing, we were able to expand our range, fulfill customer orders, and nearly double our revenue."
.webp)
.svg){kind=logo}
"Banxware provided us with the ideal solution to achieve our goal: expanding our production capacity and strengthening our brand presence in retail."
.webp)
Banxware has helped us to bridge long payment cycles and thus be there for our customers in the best possible way.
My second loan from Banxware has helped me to be able to order the production of new in-house productions from the print shop in advance without drastically affecting the monthly cash flow.
"With Banxware, the flexible repayment model gives us the advantages of not falling into further liquidity traps in months when sales are weaker."
.webp)
"Your short, fast and uncomplicated decision-making processes simply fit my needs perfectly. With the authentic and customer-oriented service, I felt in good hands."
"Banxware is a valuable partner for financing of our inventory in our strong growth phase. This allows us to cover our liquidity needs without having to restrict our budgets and enables us to achieve our ambitious goals as planned."
Our partners
Together with more than 40 partners, we simplify access to fast and flexible capital for thousands of SMEs.
.svg)
.webp)
Frequently Asked Questions
Experts like Paula understand your business. Call us on
+49 30 311 995 87 or send us an email.
Banxware GmbH is a Berlin-based fintech startup that supports small and medium-sized businesses with digital financing solutions that drive their growth quickly and efficiently. You can find out more about us here.
The loan agreement is concluded directly between you and our banking partner. For Banxware Instant Financing, the agreement is concluded with UniCredit, and for HVB FlexFinancing, with HVB. Banxware acts as a credit intermediary in this process.
The loan agreement contains all relevant information regarding your financing, as well as an assignment of future receivables in the form of a general assignment.
The instant financing is paid out as soon as all authorised signatories have approved the contract.
As a rule, the payment is arranged on the same working day. If approval is given at the weekend or on a public holiday, the payment will be made on the next working day.
With HVB FlexFinancing, the payment is made within a maximum of 3 working days following approval.
To be eligible for our instant financing, certain basic criteria must be met:
Your business has been operating for at least six months.
Your business is based in Germany.
Your average monthly turnover is at least 1,250 euros.
Once your application has been successfully submitted, we will carry out a bespoke assessment of your business.
The costs for Banxware Sofortfinanzierung and HVB FlexFinancing are calculated differently.
For Banxware Sofortfinanzierung, a fixed financing fee is charged once. This fixed fee naturally only applies when the financing is approved, and you repay it together with the financing amount during the term of the financing.
The costs for your HVB FlexFinanzierung consist of two parts: the interest rate for the amount used and the interest rate for the amount not used. Your HypoVereinsbank advisor will discuss the exact terms with you.
For both financing options, Banxware will never require advance payments or upfront fees.
Lending is carried out exclusively after proper credit assessment (creditworthiness check and risk evaluation).
We never require advance payments or upfront fees.
The process is transparent, digital, and communication with our team always takes place via official email addresses ending in @banxware.com.
All of our websites have a complete legal notice (Impressum).
Read more on our blog about how to identify legitimate online lenders.
You can quickly and easily book a demo with our team. There you'll learn how Banxware can accelerate your business growth.
You repay the loan in weekly instalments. The agreed amount is conveniently debited from your account by direct debit.
Please ensure you have sufficient funds in your account. You will receive a reminder email four days before each direct debit.
The first instalment is due on the next possible Thursday, at the earliest ten days after the start of the loan. All subsequent instalments are due weekly, always on Thursdays.
Your offer waits!
Just a few steps and you'll discover how much financing you can get.
