HVB FlexFinanzierung is Live – Here’s how your business can benefit

Author Efthimios Tsatalpasidis
Efthimios Tsatalpasidis
4.3.2025
6
minutes
Business owners smiling

Banxware has already helped thousands of businesses access capital quickly and easily with Sofortfinanzierung. Now, we’re introducing a new financing option: HVB FlexFinanzierung!

This flexible credit line was developed in partnership with HypoVereinsbank (HVB) and offers businesses a financing solution that can be used exactly when needed—up to 5 million euros, available on demand.

Why HVB FlexFinanzierung?

Every business has unique financing needs. While Sofortfinanzierung provides fast liquidity for short-term investments, HVB FlexFinanzierung enables long-term financial flexibility, ideal for large-scale projects and strategic growth.

The key benefits at a glance:

  • Full control: Use your credit line flexibly whenever needed.
  • 100% digital: A seamless, paperless process.
  • Fast decision: Financing decisions are made within just 3 days.
  • Fair conditions: No hidden fees and transparent bank-level pricing.
  • Expert guidance: Personalized consultation from a HVB Relationship Manager

HVB FlexFinanzierung or Sofortfinanzierung?

  • Sofortfinanzierung is perfect for quick investments or bridging liquidity gaps. Businesses can receive financing amounts between €1,000 and €250,000, paid out within 24 hours after approval.
  • HVB FlexFinanzierung, on the other hand, offers long-term financial flexibility. With credit lines ranging from €250,000 to €5 million, you can access capital whenever you need it, without fixed repayment installments.

Neither option is better than the other. They simply serve different purposes. Sofortfinanzierung is all about speed, while HVB FlexFinanzierung prioritizes flexibility. The choice is yours!

How it works:

  • Online application – Submit your documents digitally and receive an initial assessment.
  • Personal consultation – An HVB financing expert will discuss the details with you.
  • Decision within 3 days – Once approved, your credit line is available.

Who can apply for HVB FlexFinanzierung?

Your business is eligible if it meets the following criteria:

  • Minimum monthly revenue: €125,000
  • Operational for at least 3 years
  • Registered in Germany
  • Accepted business structures: GmbH, GmbH & Co. KG, UG, GbR, OHG, KG, e.K., sole proprietors, and freelancers

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Your chance for maximum flexibility

Whether you’re planning an expansion, managing liquidity, or seizing new growth opportunities: HVB FlexFinanzierung keeps you flexible and ready to take advantage of any opportunity.

Don’t miss the chance to secure the best financial setup for your business and ensure instant access to capital whenever you need it. Gain a competitive edge and be fully prepared for new investment opportunities.

Learn more and apply today!

Find out more about HVB FlexFinanzierung and secure your flexible financing now.

Questions & Answers

What is HVB FlexFinanzierung powered by Banxware?

HVB FlexFinanzierung is your most flexible, digital credit solution: Companies that are older than 3 years, have a turnover of more than €125k per month and are based in Germany can apply for between €250,000 and €5 million as a credit line from HypoVereinsbank (HVB). Completely digital, fast and transparent, and tailored to the needs of your business.

What is the difference between Banxware Sofortfinanzierung and HVB FlexFinanzierung powered by Banxware?

HVB FlexFinanzierung is a credit line of HypoVereinsbank (HVB) from €250,000 up to €5,000,000. It’s for business owners who want a flexible product that they can grow with. Banxware Sofortfinanzierung is the super-fast alternative for smaller financing amounts. Here you can get a loan from €1,000 up to €250,000 within 24 hours, in a completely digital application process and without advice. It’s for business owners who know what they need and need it quickly.

What criteria do I need to meet for HVB FlexFinanzierung?

Your company must be older than 3 years, have a turnover of more than €125k per month and be based in Germany. If you meet these criteria, start your application directly here.

What is the pricing of the HVB FlexFinanzierung?

The costs for your HVB FlexFinanzierung are made up of two parts: the interest rate for the amount drawn down  and the interest rate for the amount not drawn down. Your HypoVereinsbank Relationship Manager will discuss the exact conditions with you.

Who is Banxware?

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.

Author Efthimios Tsatalpasidis
Efthimios Tsatalpasidis
4.3.2025
6
minutes

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