VR Ventures

Carbonx is a climate-focused startup that supports businesses in reaching their net-zero objectives by mitigating the risks associated with sourcing permanent carbon credits. The company offers a platform showcasing carbon removal projects that emphasize permanence, additionality, verifiability, and net negativity. Through this platform, Carbonx enables clients to secure genuine net-zero outcomes by procuring strictly permanent carbon removal credits. Additionally, the startup aims to create a catalytic demand within the carbon dioxide removal sector, thereby fostering growth and investment in emissions reduction initiatives.

KohortPay is a social commerce platform designed to enhance the checkout experience through gamification and referral rewards. The company enables retailers to integrate social media into their payment processes, allowing customers to easily share their purchases and earn rewards. This innovative approach increases the value of influencer marketing, effectively doubling conversion rates while reducing customer acquisition costs. KohortPay streamlines collaboration and payments for both retailers and consumers, ensuring that referral incentives can be applied to purchases even after they are completed. By leveraging social sharing, KohortPay drives customer acquisition and boosts sales for businesses, making it a valuable tool in the evolving landscape of e-commerce.

Banxware is a fintech startup based in Berlin, founded in 2020 by Miriam Wohlfarth, Jens Röhrborn, and Fabian Heiß. The company specializes in embedded lending solutions designed for platform-based businesses, including fintechs and banks. Its lending-as-a-service platform allows digital marketplaces, payment providers, and other aggregators to offer white-label financial products, particularly loans, to their merchants. By integrating essential financial infrastructure directly into various platforms, Banxware enables small and medium-sized enterprises, e-commerce sellers, and restaurant owners to access necessary liquidity. The platform features robust capabilities such as customer onboarding, credit scoring, risk management, and loan origination, thereby promoting growth and enhancing customer convenience. With a dedicated team of over 50 employees, Banxware aims to streamline financing solutions across Europe, adapting to the needs of a rapidly evolving digital economy.

Orus offers straightforward insurance coverage tailored for European small and medium-sized businesses (SMBs). Its online platform provides affordable policies with transparent pricing, easy policy modification, fraud prevention measures, and assistance services. This enables SMBs to protect their premises, contents, and civil liability, allowing them to focus on their core operations.

ContractHero is a digital contract management solution that caters to business customers, particularly small and medium-sized enterprises and startups. The platform enables users to organize and manage corporate contracts efficiently by automatically analyzing and digitizing uploaded documents. It structures essential contract information and provides reminders for expiring contracts and approaching notice periods. By offering a comprehensive overview of all current contracts, ContractHero helps businesses identify unnecessary costs and mitigate risks associated with missed deadlines. This streamlined approach allows companies to maintain full control over their contracts, thereby enhancing their operational efficiency and supporting the digitization and automation of financial and legal processes.

Kertos is a European software company that specializes in developing a comprehensive compliance platform aimed at automating and managing internal data protection processes within highly regulated environments. The platform focuses on key areas such as data subject rights, consent management, and records of processing activities, enabling businesses to efficiently handle compliance tasks across various departments. By prioritizing product integration and automation, Kertos empowers organizations to scale their operations and adapt to modern technological demands while significantly reducing workload. Additionally, the company enhances consumer engagement by facilitating sensitive interactions between businesses and their customers.

Finanzguru is an AI-powered financial assistant that helps users manage their accounts and contracts efficiently. The platform analyzes users' income and expenses in real time to calculate their disposable income, factoring in upcoming bookings from contractual partners. By providing a comprehensive overview of financial status, Finanzguru empowers users to take control of their finances with ease. The application not only streamlines the management of contracts but also offers personalized recommendations aimed at optimizing savings. Through its user-friendly interface, Finanzguru facilitates financial digitization, ultimately enhancing users' financial situations with minimal effort.

Founded in 2021, Atlas Metrics aims to make corporate impacts on people and the environment transparent. It develops an ESG and sustainability management platform that simplifies compliance tracking across diverse industries. The platform uses AI for automated reporting, integrates with company systems, and provides unified data collection.

Banxware is a fintech startup based in Berlin, founded in 2020 by Miriam Wohlfarth, Jens Röhrborn, and Fabian Heiß. The company specializes in embedded lending solutions designed for platform-based businesses, including fintechs and banks. Its lending-as-a-service platform allows digital marketplaces, payment providers, and other aggregators to offer white-label financial products, particularly loans, to their merchants. By integrating essential financial infrastructure directly into various platforms, Banxware enables small and medium-sized enterprises, e-commerce sellers, and restaurant owners to access necessary liquidity. The platform features robust capabilities such as customer onboarding, credit scoring, risk management, and loan origination, thereby promoting growth and enhancing customer convenience. With a dedicated team of over 50 employees, Banxware aims to streamline financing solutions across Europe, adapting to the needs of a rapidly evolving digital economy.

Finanzguru is an AI-powered financial assistant that helps users manage their accounts and contracts efficiently. The platform analyzes users' income and expenses in real time to calculate their disposable income, factoring in upcoming bookings from contractual partners. By providing a comprehensive overview of financial status, Finanzguru empowers users to take control of their finances with ease. The application not only streamlines the management of contracts but also offers personalized recommendations aimed at optimizing savings. Through its user-friendly interface, Finanzguru facilitates financial digitization, ultimately enhancing users' financial situations with minimal effort.

ContractHero is a digital contract management solution that caters to business customers, particularly small and medium-sized enterprises and startups. The platform enables users to organize and manage corporate contracts efficiently by automatically analyzing and digitizing uploaded documents. It structures essential contract information and provides reminders for expiring contracts and approaching notice periods. By offering a comprehensive overview of all current contracts, ContractHero helps businesses identify unnecessary costs and mitigate risks associated with missed deadlines. This streamlined approach allows companies to maintain full control over their contracts, thereby enhancing their operational efficiency and supporting the digitization and automation of financial and legal processes.

CURE is a vertical neobank that offers integrated banking services to doctors and medical practices. CURE runs an open-banking based business finance management platform for health professionals.

Flexcavo GmbH, founded in 2020 and based in Rosenheim, Germany, specializes in renting construction machinery through both online and offline platforms. The company aims to enhance long-term profitability for construction firms by creating an integrated ecosystem that combines software and asset operations. This system serves as a central operating platform for modern construction companies, allowing contractors to improve productivity and optimize the use of their construction fleets. Through its innovative approach, Flexcavo addresses the evolving needs of the construction industry, positioning itself as a key player in construction technology.

Backbone Art SA operates a platform that connects professional photographers and videographers with businesses and consumers for various visual projects, including real estate photography, event documentation, and food product imaging. The platform offers comprehensive tools for booking, content hosting, post-production, invoicing, and payment processing, enabling users to efficiently order, store, and manage their visual assets. Targeting real estate companies, international event planners, and global marketplaces, Backbone facilitates collaboration among internal teams and external stakeholders. Headquartered in Geneva, Switzerland, the company also has an office in Berlin, Germany.

Penta Fintech Ltd. is a digital banking platform based in Berlin, Germany, that caters to startups and small to medium-sized enterprises (SMEs). Founded in 2016, Penta offers a streamlined approach to banking by automating bank accounts and invoices, which helps businesses save time and money. The platform enables users to open online banking accounts quickly and manage their cash flows efficiently through cashless banking services. Penta aims to disrupt traditional business banking in Europe and beyond by providing innovative solutions tailored to the needs of self-employed individuals, freelancers, startups, and SMEs.

Palturai offers visualization tools and business intelligence powered by data from official sources. The company develops a graph intelligence platform to visualize and analyze business relationships. Its platform applies artificial intelligence to process public data, providing interactive network visualizations, automated risk assessments, continuous monitoring, and seamless integration with existing systems, enabling businesses to uncover hidden connections, detect fraud, and streamline operations through efficient investigations.

Penta Fintech Ltd. is a digital banking platform based in Berlin, Germany, that caters to startups and small to medium-sized enterprises (SMEs). Founded in 2016, Penta offers a streamlined approach to banking by automating bank accounts and invoices, which helps businesses save time and money. The platform enables users to open online banking accounts quickly and manage their cash flows efficiently through cashless banking services. Penta aims to disrupt traditional business banking in Europe and beyond by providing innovative solutions tailored to the needs of self-employed individuals, freelancers, startups, and SMEs.

Banxware is a fintech startup based in Berlin, founded in 2020 by Miriam Wohlfarth, Jens Röhrborn, and Fabian Heiß. The company specializes in embedded lending solutions designed for platform-based businesses, including fintechs and banks. Its lending-as-a-service platform allows digital marketplaces, payment providers, and other aggregators to offer white-label financial products, particularly loans, to their merchants. By integrating essential financial infrastructure directly into various platforms, Banxware enables small and medium-sized enterprises, e-commerce sellers, and restaurant owners to access necessary liquidity. The platform features robust capabilities such as customer onboarding, credit scoring, risk management, and loan origination, thereby promoting growth and enhancing customer convenience. With a dedicated team of over 50 employees, Banxware aims to streamline financing solutions across Europe, adapting to the needs of a rapidly evolving digital economy.

RightNow is a prominent legal technology startup based in Germany that focuses on consumer factoring. The company specializes in acquiring consumer claims arising from everyday situations and offers rapid reimbursement, often within 24 hours. Utilizing a proprietary algorithm-based approach, RightNow efficiently assesses individual claims and employs highly automated legal processes to enforce these claims in court. This innovative platform simplifies the process for consumers and businesses alike, allowing them to file claims against large corporations with ease and speed.

Penta Fintech Ltd. is a digital banking platform based in Berlin, Germany, that caters to startups and small to medium-sized enterprises (SMEs). Founded in 2016, Penta offers a streamlined approach to banking by automating bank accounts and invoices, which helps businesses save time and money. The platform enables users to open online banking accounts quickly and manage their cash flows efficiently through cashless banking services. Penta aims to disrupt traditional business banking in Europe and beyond by providing innovative solutions tailored to the needs of self-employed individuals, freelancers, startups, and SMEs.

Nuwo specializes in managing hybrid workspaces. It provides financing, equipping, and management services for offices and home workplaces.