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Pliant is a European fintech that specializes in B2B payment solutions through an API-first platform designed to streamline spending, improve cash flow, and embed payments into financial workflows. It serves industries with complex payment needs, such as travel and fleet, by enabling greater efficiency, control, and profitability. The company targets two primary segments: businesses seeking operational automation and extended credit lines, and financial software platforms, ERP providers, and banks seeking to offer embedded finance and white-label credit card solutions. Founded in 2020 and headquartered in Berlin, Pliant supports over 3,500 businesses and more than 20 partners, and operates as a licensed e-money institution issuing Visa-powered credit cards in 11 currencies across more than 30 countries. The platform provides customizable credit card management, automated transaction tracking, and real-time spending control to enhance financial oversight, reduce administrative workload, and optimize cash flow while maintaining security compliance.

Oze empowers African small businesses by digitizing their operations. Its app enables tracking of sales, expenses, and customer data, with analysis providing tailored recommendations and business education. Users can access Oze Coaches for additional support. With over 150,000 registered users, Oze is West Africa's largest online SME community, with a proven track record of driving business growth.

Mundi is a fintech company that transforms financial technology by offering access to capital market products and opportunities to businesses of all sizes.

Meisterwerk provides a software-as-a-service operating system for small and medium-sized field service and craftsman companies, offering operational planning, mobile time tracking, digital forms, information exchange, and custom workflows. The platform coordinates activities between offices and field teams, supports planning and automation of job and resource allocation, enables real-time visibility into project status and resource utilization, and helps managers decide deployments of staff on construction sites. By centralizing planning and communication, Meisterwerk aims to improve efficiency, profitability, and growth.

Tulyp is a financial services provider specializing in trade finance solutions. It develops software to mitigate counterparty risk in international trade, offering payment guarantees, financing, and liquidity support to businesses, particularly enabling small enterprises to access invoice financing.

Sona is a developer of a workforce management application for various industries. Its workforce technology is designed to change how employees manage their work and interact with their employers. Its features include a live schedule view, absence management, instant messaging, and Open Shifts, a shift booking platform matching shift vacancies with employees willing to take on more hours.

Kema is Fintech SaaS platform that aims to accelerate cashflow for B2B SMEs in MENA. Kema transforms how businesses sell to one another by digitizing, automating, and streamlining the invoice-to-cash process, also known as accounts receivable. Businesses benefit from shorter transactions cycles while saving both time and money.

palm.hr is a revolutionary customer-focused company. They maintain sane working hours while still conducting business. They believe that great software should be available and affordable to everyone, not just large corporations and enterprises. They aim to solve administration and enable HR efficiency by providing frameworks, tools, and technology.

Simbel is an edtech company founded in 2021 and based in Paris, France, that focuses on facilitating learning and development for small and medium-sized businesses. The company offers a software-as-a-service (SaaS) platform that serves as a marketplace for training, connecting employees with curated training providers and a variety of courses tailored to their development needs. By integrating with existing HR systems, Simbel begins with performance reviews to identify individual learning requirements, promoting a culture of continuous improvement. The platform streamlines learning and development workflows, enhances employee engagement, and helps optimize training budgets, ultimately transforming organizations into environments that prioritize growth and skill enhancement.

Friday Finance is a financial management platform based in Berlin, Germany, designed for startups and small to medium-sized businesses (SMBs) in Europe. Established in 2021, the company aims to simplify B2B finance by offering tools that facilitate the collection, payment, and financing of invoices. Its platform integrates with users' existing bank accounts, providing real-time insights into cash flow while enabling businesses to pay bills, create financial forecasts, and streamline their month-end closing processes. By centralizing various financial functions, Friday Finance enhances control, visibility, and automation for finance teams, ultimately helping businesses save time and operate more efficiently.

Pemo is a comprehensive spend management solution that streamlines business operations by consolidating invoices, expenses, approvals, and spending decisions onto one platform. It offers smart corporate cards, invoice payment systems, expense tracking functions, automated approval flows, direct accounting integration, and real-time reporting to help businesses save time, money, automate administrative tasks, and gain visibility into their expenses.

Meisterwerk provides a software-as-a-service operating system for small and medium-sized field service and craftsman companies, offering operational planning, mobile time tracking, digital forms, information exchange, and custom workflows. The platform coordinates activities between offices and field teams, supports planning and automation of job and resource allocation, enables real-time visibility into project status and resource utilization, and helps managers decide deployments of staff on construction sites. By centralizing planning and communication, Meisterwerk aims to improve efficiency, profitability, and growth.

Sona is a developer of a workforce management application for various industries. Its workforce technology is designed to change how employees manage their work and interact with their employers. Its features include a live schedule view, absence management, instant messaging, and Open Shifts, a shift booking platform matching shift vacancies with employees willing to take on more hours.

+Simple is an innovative French insurtech platform designed for freelancers and small-to-medium-sized enterprises. It employs proprietary technology to optimize insurance coverage throughout the contract duration, personalizing offers based on business activities and evolution. The platform ensures secure online subscription and provides an electronic safe for dematerialized contracts.

Oze empowers African small businesses by digitizing their operations. Its app enables tracking of sales, expenses, and customer data, with analysis providing tailored recommendations and business education. Users can access Oze Coaches for additional support. With over 150,000 registered users, Oze is West Africa's largest online SME community, with a proven track record of driving business growth.

Nook is a developer of a trade collaboration platform focused on providing payment and invoicing solutions for small-to-medium enterprises (SMEs). The platform is designed to simplify the payment process by integrating features such as invoice processing, approval workflows, secure payments, and account reconciliation. Additionally, Nook incorporates fraud protection measures aimed at eliminating invoice fraud, ensuring that business owners can process their invoices and bill payments with ease and security. This comprehensive approach allows SMEs to manage their financial transactions more effectively.

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

Sona is a developer of a workforce management application for various industries. Its workforce technology is designed to change how employees manage their work and interact with their employers. Its features include a live schedule view, absence management, instant messaging, and Open Shifts, a shift booking platform matching shift vacancies with employees willing to take on more hours.

Tide is a UK-based fintech company specializing in business banking services for small and medium-sized enterprises (SMEs). Its platform offers streamlined business accounts and administrative solutions, such as seamless integration with accounting systems, to help SMEs save time and money. Tide's advanced technology is tailored to the needs of SMEs, making it a leading challenger in the UK's SME banking sector. The company is committed to serving SMEs exclusively, focusing on their unique requirements.

myclubs GmbH is a Vienna-based company that operates a subscription-based digital sports membership platform, launched in 2014. The company aggregates sports facilities and offers a wide range of fitness options, including access to over 1,200 exclusive partner gyms, boutique studios, and fitness classes in Austria and Switzerland. This innovative platform enables customers to book various fitness offerings at a fixed price, ensuring flexibility and convenience. Additionally, myclubs GmbH provides tailored corporate fitness solutions that encourage employee participation in fitness activities for clients such as IBM, Deloitte, and Danone. With a commitment to digitalizing the fitness market, myclubs GmbH aims to become a leading sports provider in the Alpine region, enhancing access to quality fitness resources for both individuals and organizations.

FairMoney is a mobile banking platform founded in 2017, operating from Paris, France, and Lagos, Nigeria. The platform specializes in providing credit to private and business borrowers, particularly targeting underbanked populations in emerging markets. By leveraging smartphone data, FairMoney develops an instant credit score for users, facilitating access to various loan types, including personal, business, medical, and car loans. The company has disbursed over 350,000 loans and aims to make financial services more accessible and affordable for millions in Africa and South-East Asia. With a team of 45 professionals and backing from European and American investors, FairMoney is committed to transforming the financial landscape for underserved communities.

Tulipshare is a pioneering platform that empowers retail investors to engage in activist investing, traditionally dominated by institutional players. It combines crowdfunding with shareholder rights, enabling users to collectively purchase stakes in prominent public companies and influence their governance or strategic direction. By setting a minimum investment threshold of one euro, Tulipshare democratizes access to activist investing, allowing individuals to vote with their money and promote ethical change within corporate boards globally.

Friday Finance is a financial management platform based in Berlin, Germany, designed for startups and small to medium-sized businesses (SMBs) in Europe. Established in 2021, the company aims to simplify B2B finance by offering tools that facilitate the collection, payment, and financing of invoices. Its platform integrates with users' existing bank accounts, providing real-time insights into cash flow while enabling businesses to pay bills, create financial forecasts, and streamline their month-end closing processes. By centralizing various financial functions, Friday Finance enhances control, visibility, and automation for finance teams, ultimately helping businesses save time and operate more efficiently.

Receeve offers a digital debt recovery platform powered by AI. It streamlines operations for businesses, financial institutions, and funds, enhancing efficiency and transaction transparency.

Friday Finance is a financial management platform based in Berlin, Germany, designed for startups and small to medium-sized businesses (SMBs) in Europe. Established in 2021, the company aims to simplify B2B finance by offering tools that facilitate the collection, payment, and financing of invoices. Its platform integrates with users' existing bank accounts, providing real-time insights into cash flow while enabling businesses to pay bills, create financial forecasts, and streamline their month-end closing processes. By centralizing various financial functions, Friday Finance enhances control, visibility, and automation for finance teams, ultimately helping businesses save time and operate more efficiently.

ShopUp is a Bangladesh-based technology company that operates a full-stack B2B commerce platform, designed specifically for small businesses. The platform provides these businesses with easy access to B2B sourcing, last-mile logistics, and buy-now-pay-later (BNPL) solutions. Headquartered in Dhaka, ShopUp aims to empower small businesses by offering them digital credit and business management tools, enabling them to access a wide range of products and services tailored to their needs.

Factris is a fintech company founded in 2017, headquartered in Amsterdam. It specializes in providing working capital solutions for SMEs by purchasing their unpaid invoices.

BukuKas is a neo-banking venture focused on integrating unbanked individuals in Southeast Asia into the financial ecosystem. Initially launched in Indonesia, the BukuKas app aims to support micro and small enterprises by digitizing traditional bookkeeping methods. The application allows business owners to easily record sales, expenses, and cash transactions using their smartphones. By simplifying cash management, BukuKas helps these enterprises enhance their profitability. Additionally, the app offers features such as transaction management, money transfer without bank fees, performance monitoring, automatic financial report generation, and stock management. Through these services, BukuKas seeks to improve cash flow management for small businesses in the region.

CANDIS GmbH, founded in 2015 and headquartered in Berlin, Germany, specializes in automated accounting software tailored for small and medium-sized enterprises. The company leverages artificial intelligence to streamline financial processes, including invoice collection, data capture, pre-accounting, and payment management. By integrating with bank accounts, credit cards, and online payment systems, CANDIS provides real-time insights into financial obligations and outstanding invoices, facilitating improved collaboration among finance teams and tax advisors. With a customer base comprising thousands of users, CANDIS is committed to advancing its technology to enhance the efficiency of financial workflows.

MindsDB is an open source company that designs an automated machine learning platform, enabling users to ask predictive questions of their data and receive accurate answers. The MindsDB platform automates the steps required to generate reliable predictions, effectively turning a database into an automated data science capability. It supports a broad range of applications, including credit scoring, customer lifetime value optimization, direct marketing, fraud detection, inventory management, predictive maintenance, price modeling, product personalization, and risk assessment. MindsDB serves industries such as retail, financial services, high tech and manufacturing, healthcare, energy, and insurance. Founded in 2017 and based in Berkeley, California, the company aims to democratize machine learning and make advanced analytics accessible across teams.

FinCompare GmbH is a fintech startup based in Berlin, Germany, that provides a financing platform tailored for small and medium-sized enterprises (SMEs). Founded in October 2016 by Stephan Heller, the company enables businesses to access a wide array of financing options, including corporate loans, factoring, leasing, warehouse financing, and mezzanine capital. Through its online platform, FinCompare allows users to independently compare offers from various banks, fintechs, and alternative financial services providers, simplifying the financing process with a digital application system. This one-stop destination for financing questions empowers SMEs to make informed decisions, facilitating their ability to secure loans from reliable lenders while enhancing risk management.

ready2order is a fintech company that specializes in developing a digital cash-register application aimed at reducing administrative burdens for small and medium-sized businesses. Launched in 2015 as a hobby project, the platform has since streamlined operations for over 10,000 entrepreneurs by offering a comprehensive Point of Sale system. The company is focused on expanding its services to include payment solutions and banking, with particular emphasis on the German market, which presents significant growth potential. By integrating features such as cash book management, data security, employee management, and inventory control, ready2order empowers small businesses to optimize their operations and make informed decisions. The company strives to support entrepreneurs in navigating the complexities of self-employment, allowing them to concentrate on what matters most—their passion and customer service.

Receeve offers a digital debt recovery platform powered by AI. It streamlines operations for businesses, financial institutions, and funds, enhancing efficiency and transaction transparency.

Meisterwerk provides a software-as-a-service operating system for small and medium-sized field service and craftsman companies, offering operational planning, mobile time tracking, digital forms, information exchange, and custom workflows. The platform coordinates activities between offices and field teams, supports planning and automation of job and resource allocation, enables real-time visibility into project status and resource utilization, and helps managers decide deployments of staff on construction sites. By centralizing planning and communication, Meisterwerk aims to improve efficiency, profitability, and growth.

FairMoney is a mobile banking platform founded in 2017, operating from Paris, France, and Lagos, Nigeria. The platform specializes in providing credit to private and business borrowers, particularly targeting underbanked populations in emerging markets. By leveraging smartphone data, FairMoney develops an instant credit score for users, facilitating access to various loan types, including personal, business, medical, and car loans. The company has disbursed over 350,000 loans and aims to make financial services more accessible and affordable for millions in Africa and South-East Asia. With a team of 45 professionals and backing from European and American investors, FairMoney is committed to transforming the financial landscape for underserved communities.

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

Established in 2015, Kerala Startup Mission is a government agency based in Trivandrum, India. It supports entrepreneurs through funding, mentorship, incubation, and policy support, fostering innovation and growth within the state's startup ecosystem.

Estateguru is a Pan-European marketplace facilitating property-backed loans for small and medium enterprises (SMEs), connecting them with global investors. It offers a seamless, cross-border digital service, bypassing traditional financial institutions.

Open Financial Technologies Pvt Ltd, established in 2016 and based in Bengaluru, India, specializes in developing an online platform for banking and intercompany settlement. The company provides digital banking services tailored for startups and small to medium enterprises (SMEs), offering digital bank accounts equipped with tools for bookkeeping, invoicing, money transfers, and credit access. Additionally, Open's application programming interface (API) platform enables financial institutions to integrate banking and payment functionalities into their applications and accounting systems.

Koalaboox is a Belgian company, incorporated in 2004 and based in Evere, that specializes in cloud-based billing management software. It provides a web-based platform designed primarily for small businesses, particularly micro-companies, enabling them to streamline their invoicing and cash collection processes. The company's solution automates billing and offers receivables-based financing, or factoring, through a simple "one-click" interface. By leveraging credit risk algorithms and authentication systems, Koalaboox assesses the creditworthiness of customers and debtors, significantly simplifying financial management for small enterprises. As a subsidiary of Cegid Group SA, Koalaboox aims to become a comprehensive resource for small businesses, enhancing their financial operations and efficiency.

Open Financial Technologies Pvt Ltd, established in 2016 and based in Bengaluru, India, specializes in developing an online platform for banking and intercompany settlement. The company provides digital banking services tailored for startups and small to medium enterprises (SMEs), offering digital bank accounts equipped with tools for bookkeeping, invoicing, money transfers, and credit access. Additionally, Open's application programming interface (API) platform enables financial institutions to integrate banking and payment functionalities into their applications and accounting systems.

Tide is a UK-based fintech company specializing in business banking services for small and medium-sized enterprises (SMEs). Its platform offers streamlined business accounts and administrative solutions, such as seamless integration with accounting systems, to help SMEs save time and money. Tide's advanced technology is tailored to the needs of SMEs, making it a leading challenger in the UK's SME banking sector. The company is committed to serving SMEs exclusively, focusing on their unique requirements.

Factris is a fintech company founded in 2017, headquartered in Amsterdam. It specializes in providing working capital solutions for SMEs by purchasing their unpaid invoices.

MindsDB is an open source company that designs an automated machine learning platform, enabling users to ask predictive questions of their data and receive accurate answers. The MindsDB platform automates the steps required to generate reliable predictions, effectively turning a database into an automated data science capability. It supports a broad range of applications, including credit scoring, customer lifetime value optimization, direct marketing, fraud detection, inventory management, predictive maintenance, price modeling, product personalization, and risk assessment. MindsDB serves industries such as retail, financial services, high tech and manufacturing, healthcare, energy, and insurance. Founded in 2017 and based in Berkeley, California, the company aims to democratize machine learning and make advanced analytics accessible across teams.

CANDIS GmbH, founded in 2015 and headquartered in Berlin, Germany, specializes in automated accounting software tailored for small and medium-sized enterprises. The company leverages artificial intelligence to streamline financial processes, including invoice collection, data capture, pre-accounting, and payment management. By integrating with bank accounts, credit cards, and online payment systems, CANDIS provides real-time insights into financial obligations and outstanding invoices, facilitating improved collaboration among finance teams and tax advisors. With a customer base comprising thousands of users, CANDIS is committed to advancing its technology to enhance the efficiency of financial workflows.

FinCompare GmbH is a fintech startup based in Berlin, Germany, that provides a financing platform tailored for small and medium-sized enterprises (SMEs). Founded in October 2016 by Stephan Heller, the company enables businesses to access a wide array of financing options, including corporate loans, factoring, leasing, warehouse financing, and mezzanine capital. Through its online platform, FinCompare allows users to independently compare offers from various banks, fintechs, and alternative financial services providers, simplifying the financing process with a digital application system. This one-stop destination for financing questions empowers SMEs to make informed decisions, facilitating their ability to secure loans from reliable lenders while enhancing risk management.

FairMoney is a mobile banking platform founded in 2017, operating from Paris, France, and Lagos, Nigeria. The platform specializes in providing credit to private and business borrowers, particularly targeting underbanked populations in emerging markets. By leveraging smartphone data, FairMoney develops an instant credit score for users, facilitating access to various loan types, including personal, business, medical, and car loans. The company has disbursed over 350,000 loans and aims to make financial services more accessible and affordable for millions in Africa and South-East Asia. With a team of 45 professionals and backing from European and American investors, FairMoney is committed to transforming the financial landscape for underserved communities.

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

myclubs GmbH is a Vienna-based company that operates a subscription-based digital sports membership platform, launched in 2014. The company aggregates sports facilities and offers a wide range of fitness options, including access to over 1,200 exclusive partner gyms, boutique studios, and fitness classes in Austria and Switzerland. This innovative platform enables customers to book various fitness offerings at a fixed price, ensuring flexibility and convenience. Additionally, myclubs GmbH provides tailored corporate fitness solutions that encourage employee participation in fitness activities for clients such as IBM, Deloitte, and Danone. With a commitment to digitalizing the fitness market, myclubs GmbH aims to become a leading sports provider in the Alpine region, enhancing access to quality fitness resources for both individuals and organizations.

Cyberwrite specializes in providing cyber insurance solutions for small and medium-sized businesses (SMBs). It leverages proprietary algorithms, such as 4SEEN, for underwriting and risk management. The company serves clients across over 20 countries, supporting multiple languages.

FinCompare GmbH is a fintech startup based in Berlin, Germany, that provides a financing platform tailored for small and medium-sized enterprises (SMEs). Founded in October 2016 by Stephan Heller, the company enables businesses to access a wide array of financing options, including corporate loans, factoring, leasing, warehouse financing, and mezzanine capital. Through its online platform, FinCompare allows users to independently compare offers from various banks, fintechs, and alternative financial services providers, simplifying the financing process with a digital application system. This one-stop destination for financing questions empowers SMEs to make informed decisions, facilitating their ability to secure loans from reliable lenders while enhancing risk management.

CANDIS GmbH, founded in 2015 and headquartered in Berlin, Germany, specializes in automated accounting software tailored for small and medium-sized enterprises. The company leverages artificial intelligence to streamline financial processes, including invoice collection, data capture, pre-accounting, and payment management. By integrating with bank accounts, credit cards, and online payment systems, CANDIS provides real-time insights into financial obligations and outstanding invoices, facilitating improved collaboration among finance teams and tax advisors. With a customer base comprising thousands of users, CANDIS is committed to advancing its technology to enhance the efficiency of financial workflows.

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

Tradico AG, based in Ruggell, Liechtenstein, is a financial services company that specializes in providing bank-independent solutions for financing working capital. The company operates an online platform that connects suppliers with small and medium-sized businesses, offering quick and reliable access to capital. Clients can register online without paperwork, upload their trades, and process transactions efficiently. Tradico finances the inventory of its clients and pays supplier invoices immediately, allowing buyers more time to settle payments. This approach benefits both buyers and suppliers by streamlining the transaction process and eliminating the need for traditional bank involvement.

Investly is a fintech company that facilitates invoice trading via its peer-to-peer platform. It connects small and medium-sized enterprises with investors, enabling businesses to access working capital within two days of clearing credit checks, and offering investors the opportunity for above-average returns.

Estateguru is a Pan-European marketplace facilitating property-backed loans for small and medium enterprises (SMEs), connecting them with global investors. It offers a seamless, cross-border digital service, bypassing traditional financial institutions.

Finnest GmbH is an online crowdfunding platform founded in 2014 and headquartered in Vienna, Austria. The company focuses on providing established small and medium-sized enterprises (SMEs) with alternative access to the capital market, enabling investors to participate in private placements of financially sound businesses. Finnest has developed a unique approach that combines corporate financing with crowd-investing, utilizing a reverse blind auction system where investors propose investment offers and set their own annual interest rates. This method incorporates elements from traditional book-building mechanisms used in corporate bonds, along with marketing and loyalty effects typical of crowd financing. Finnest primarily assists investors from Austria, Germany, and Switzerland in offering qualified subordinated loans to selected companies in Austria and Germany. In 2019, Finnest became a subsidiary of Invesdor Oy.

Investly is a fintech company that facilitates invoice trading via its peer-to-peer platform. It connects small and medium-sized enterprises with investors, enabling businesses to access working capital within two days of clearing credit checks, and offering investors the opportunity for above-average returns.

Holvi is a licensed Payment Institution offering digital small business banking across Europe. It provides a single platform for invoicing, bookkeeping, and traditional banking services, simplifying financial administration for solopreneurs, freelancers, micro businesses, and startups.