FinTech Business Tools

Companies either providing tools to other businesses. These range from accounting tools, CRMs to financial modeling and analysis software.

Client communication management solutions for generating highly personalized on boarding documents, contracts or client reports across all channels per each individual customer’s preference.

With Billomat even non-accountants can take care of all their invoice processing effortlessly – including customer management, quotes, invoices and reminders.

Debitos is Germany’s first online exchange, on which companies can trade any type of receivable for cash. By auctioning off their invoices, companies gain fast access to working capital on their own conditions.

Demokratische Bank* inna nazwa strony internetowej…

Alternative banking: “bank for common good”, founded by the people to
provide cooperative banking for all

FastBill is a technologically sophisticated web-based solution for digital invoicing for services and products, and for the administration of quotations, invoices, customers and products.

“Banking with Friends”: Fidor is an internet-based, licensed bank addressing private and corporate clients, it makes consistent use of Web 2.0 mechanisms to interact and communicate with its community

Finpoint is a unique online financial matchmaking service that efficiently connects SMEs with banks and financial institutions that are registered and ready to lend.

Gusto is a company that provides a cloud-based payroll, benefits, and workers’ comp solution for businesses based in the United States.

Lendico is a marketplace for person to person loans. Without branches or bank teller involved, Lendico offers savings for both lenders and borrowers. Both benefit from attractive terms.

Kreditech is a BIG DATA infrastructure that allows for credit bureau independent acquisition, identification, scoring, retention management in consumer lending.

Vexcash spinoff, offering short-term loans for small business owners for up to €10000.

Lendstar is the new social financial network from friends for friends. It helps people lend money to their pals or other people they trust – quick, easy and secure.

Mambu helps banks, microfinance institutions and other financial innovators to deliver essential banking services to individuals and emerging enterprises around the world.

The Naqoda German Withholding Tax (Abgeltungssteuer) Calculation Engine is a software solution for the calculation and reporting of interest income tax and capital gains tax according to German tax law.

An open source API and App store for banks that empowers financial institutions to securely and rapidly enhance their digital offerings using an ecosystem of 3rd party applications and services.

smava is Germany’s first credit marketplace, where applicants can get online credit with the best terms from a wide selection of offerings.

The Enterprise Platform for Real-Time Customer Service. Service agents and customers can share the same browser view with one click- No downloads, no setup, runs anywhere.


Financial solutions providing efficient, secure and cost effective banking transactions, with all processes are integrated into a single, multibank capable, audit-proof Cloud platform, with full visibility and control.

Brings debt collection into the 21st century by using machine learning programs to analyze individual debtor’s responses and customize contacts.

BONA FIDES: Collects 20% more on each dollar of debt than traditional collectors

FUNDING: $6 million from Khosla Ventures, Nyca Partners, Max Levchin

THREAT TO: Traditional collection agencies

Vexcash is the first PayDay (“Kurzzeitkredit” ) lender in Germany. It lends money to people in difficult financial circumstances when they suffer to get a loan anywhere else.

Xero helps to manage invoicing, bank reconciliation, bookkeeping & more.

Free cloud-based software to help small businesses automate payroll and benefits. Makes money off commissions on health insurance.

BONA FIDES: Valued at $4.5 billion in May

cofounder & CEo: Parker Conrad, 35, also cofounder of SigFig and WikInvest

FUNDING: $581.5 million from Fidelity Management and Research Co., TPG, Andreessen Horowitz, Khosla Ventures