Fintech

Curve

Curve helps people simplify their finances by connecting different debit and credit cards as well as accounts to one single card and smart app. The app serves as a dashboard where people can manage their different accounts as well as keep track of their spending habits.

Curve also helps address the privacy and security aspect of payments. The app automatically alerts users every time the card is used and gives people the ability to instantly lock the card from the app in case of fraudulent payments or loss as well as unlock it again later.

Curve’s connected card is a MasterCard® card available across the UK and EEA issued by Wirecard Card Solutions Ltd.

Billie

Billie is a Berlin-based fintech startup that helps small businesses get access to working captial through invoice financing. Their service allows SMEs and freelancers the opportunity to pre-finance their invoices by purchasing all liabilities from third parties and settling the outstanding amount. Their platform leverages big data analytics and fully automated processes to facilitate the financing process.

The company banks on its strong partnership with Wirecard bank and the founders’ strong expertise in the online lending space. The founding team has previously founded and grown online lending platform Zencap which was acquired by Funding Circle in 2015.

Tide

Tide was founded in 2015 to fill in a huge gap in the market; SMEs are significantly underserved by traditional financial institutions who offer high cost, one-size-fits-all products that focus on enterprise client needs. Exacerbated by tighter regulation post 2008 financial crisis and enabled by the proliferation of digital, Tide is redefining business banking through a digital-first, hassle-free proposition that addresses the holistic needs of SMEs.

Following a platform approach, Tide is focused on building automation on all admin-related functionality while partnering with best in class fintech companies to offer a fully fledged banking experience, including payment acceptance, FX, credit and many more services such as employee expense management.

Candis

Candis makes workflows intelligent using an artificial intelligence tool that helps companies automate repetitive bookkeeping processes such as categorizing different invoices. The software can collect and handle invoices automatically and make sure everybody is paid on time, saving 80% of manual work. CANDIS also offers a special service for tax accountants facilitating the collaboration with clients and automating certain processes.

Candis was founded by after the team won a Hackaton in Frankfurt in 2015. Within less than a year, the company had received a 7-figure investment and scaled to over 20 employees and more than 500 customers.

Ready2Order

ready2order offers a multi-award winning, cloud-based point-of-sale solution that transforms every smartphone, tablet and PC into a fully functional cash register. Companies that use ready2order have access to a range of awesome tools that are more powerful and easier to use than enterprise systems – but only for a fraction of the cost. The ready2order GmbH was founded in 2015, and is managed by Markus Bernhart (CEO), Christopher Fuchs, (CTO) and Christoph Zhu (COO) and run by over 60 employees at two locations in Vienna

Koalaboox

Koalaboox’ e-invoicing Software as a Service helps SMEs simplify their daily invoicing and accounting processes through tracking of revenues, expenses and payments. Additionally, it offers a one-click invoice financing solution built into the platform, allowing clients to fund invoices and solve their working capital needs

Open

Open is a business banking platform that combines everything from invoicing to banking, payroll and automated accounting in one place. It also offers the best of the classic banking services like (internet banking, cheque books, Debit card) along with these additional features.

Grandhood

Grandhood is the first company worldwide to offer an occupational pension based on the needs of small businesses. It stands out with its simplicity and applicability apart from large-scale enterprises.

Primer

Primer aims to unify and supercharge merchants’ fragmented payments ecosystems through a single platform. By delivering data-driven insights across our entire merchant-base, Primer can optimise front and backend payment flows in order to increase authorisation rates, reduce costs, expand into new markets and deliver leading-edge commerce experiences to customers.

Factris

Factris provides asset based financing, mostly using outstanding invoices as collateral to improve client cashflow and working capital.
The company works directly with businesses or via financial intermediaries or entrepreneurial brokers to deliver its services in a quick, friendly manner at the lowest cost.

Wikifolio

Wikifolio is an online platform that allows day traders to publish their portfolios for other traders to access and invest. Investment bankers and hobby-traders alike can use this app to connect and evolve. The “wikifolios” turn portfolios created on the platform into fully-fledged financial products which are then listed on the stock exchange Börse Stuttgart. Each trade, including execution price and fees, is updated in real-time on Wikifolio and partner sites to give the user clarity over the movements in the market. Some of Wikifolio’s certificates have been consecutively included in the top 10 most-traded products in their category of the Stuttgart Stock Exchange (EUWAX) in 2017.

Investly

Investly is an invoice discounting platform that allows SMEs to sell their invoices to investors, thereby increasing working capital. Invoices are sold in reverse auctions where investors place bids to ensure the best prices for merchants. The bidding system allows investors to earn above average returns. Investly’s service helps established businesses take on more customers, speed up their production process, and avoid seasonal cash flow gaps.

Investly was founded in 2013 and launched while going through the accelerator program Startup Wise Guys. It has since raised over $2MM USD in funding, expanded to the UK, and helped businesses fund invoices worth over £21,353,116.

Invesdor

Invesdor Group combines the leading digital equity funding platform in the Nordics, Invesdor, and the leading digital mid-size (“Mittelstand”) financier in the German speaking countries, Finnest. The service portfolio spans from equity investments, bonds, IPO’s, syndicated loans, mezzanine capital and promissory notes to other debt capital instruments. Financing volumes typically range from EUR 250,000 to EUR 25m. Over the last years the combined and accumulated investments on the legacy platforms have doubled every year, currently totalling at more than EUR 130m.

Invesdor Group holds a MiFID license passported to 28 European countries, which was granted to Invesdor in April 2015, making it the first such platform to receive this licence. The Group has a base of over 50,000 registered private and institutional investors from 150 countries.