Choose your financing type
Term loan
Credit line
Sofortfinanzierung From €1,000 - €250,000
The fastest term loan for your business
Apply for your Banxware Sofortfinanzierung in just 15 minutes. Your ticket to advancing your business - quickly.
HVB Flexfinanzierung From €250,000 - €5,000,000
A credit line as flexible as your business
HVB FlexFinanzierung powered by Banxware is a credit line by HypoVereinsbank (HVB) for all companies seeking continuous access to capital that can prove revenues of over €125,000 per month and are 3 years old and older.
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Getting a loan from a normal bank when you need it, is hard.
They don't understand your company
Your business model is unique. You need a partner who clearly sees your business and its future opportunities.
Hazy cost structures
You deserve clarity about your expenses. No nasty surprises due to unclear costs and interest rates.
Lengthy application processes
You want to put your time into your business. Not into long applications that leave you hanging and week-long credit checks.
A simple process: apply, approve, access funds
Apply for financing
All you need is 15 minutes to get a quote and complete the non-binding, digital application. Connect your business bank accounts - we use these to make a tailor made offer.
Accept your offer
Our offer is tailored to you and your business needs. You can see now what the financing fee and the weekly repayments will be. You can decide whether the offer suits your company or not.
Receive your payout
Once you accept the offer, everything happens very quickly. The money will be in your business account within one business day. This way you can concentrate on what's important: the success of your company.
Find out how much financing you could get
Based on the sales of the last 6 months, we estimate how high your future income will be. For Sofortfinanzierung, we look at what your company does, not just scores.
No personal guarantee
No paperwork to mail us, 100% digital application
Full transparency, just a one-time fee
Learn more about our €5,000,000 Credit Line here
We create real results: Why our customers choose us
Name Surname
Position, Company name
Name Surname
Position, Company name
Name Surname
Position, Company name
"Banxware is a valuable partner for financing of our inventory in our strong growth phase. This allows us to cover our liquidity needs without having to restrict our budgets and enables us to achieve our ambitious goals as planned."
Peter Höschl
MoN Sports
"Your short, fast and uncomplicated decision-making processes simply fit my needs perfectly. With the authentic and customer-oriented service, I felt in good hands."
Robin Krah
NORDMUT
"Banxware provided the ideal financing solution to help us reach our goal of increasing production capacity and expanding our brand presence in retail. We were impressed by the fast, seamless process and the exceptional transparency and flexibility."
Valentina Heuschmidt
Karanga
My second loan from Banxware has helped me to be able to order the production of new in-house productions from the print shop in advance without drastically affecting the monthly cash flow.
Melanie Köster
poshpinks
Managing Director
Banxware has helped us to bridge long payment cycles and thus be there for our customers in the best possible way.
Jochen Ihl
Feinripp Studios
"Thanks to Banxware, we can quickly and flexibly seize new opportunities and expand our clothing assortment, knowing that a fast and digital financing partner is always just a click away."
Moritz Marker
LOVECO
Sofortfinanzierung fürs E-Commerce
Du musst schnell auf Chancen reagieren können und wir bieten dir das Kapital dafür. Verbinde deine Online-Umsatzkanäle und erhalte dein Angebot noch schneller.
Mit der Sofortfinanzierung für E-Commerce kannst du bis zu 250.000€ mit einer Laufzeit von 3, 6 oder 12 Monaten erhalten.
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Sofortfinanzierung for e-commerce
You need to be able to react quickly to opportunities and we offer you the capital to do so. Connect your online revenue channels and get your offer even faster.
With Sofortfinanzierung for e-commerce, you can get up to €250,000 with a term of 3, 6 or 12 months.
Sofortfinanzierung for Fitness & Health
Renovations, pre-financing new equipment or dealing with unexpected expenses can become a real financial challenge. Our Sofortfinanzierung offers quick and uncomplicated means of making necessary investments and bridging liquidity bottlenecks. This enables growth without lengthy approval processes.
Sofortfinanzierung for Wholesale & retail
Take advantage of fast and flexible Sofortfinanzierung to optimally manage seasonality and fluctuations in demand.
Whether it's to finance goods, inventory and logistics costs, or simply to close liquidity gaps: our financing solution allows you to stay competitive by enabling you to react quickly to market changes, adjust your stock levels to meet demand or invest in growth opportunities. All without lengthy application processes.
How to unlock the full potential of your business
Boost your marketing
Effective marketing is crucial in order to increase visibility, attract new customers and strengthen customer loyalty. Targeted marketing measures allow retailers to make the most of seasonal sales opportunities and increase their turnover.
Finance invoices
Sometimes it's ongoing operating costs that need to be covered on time, other times it's growth opportunities that you don't want to miss out on. If you want to bridge outstanding invoices and late payments, Sofortfinanzierung offers you this flexibility and planning security.
Cushion unexpected expenses
Equipment failure, inventory damage and other unexpected costs can upset even the most careful planning. With Sofortfinanzierung, you can cover unforeseen costs simply and without stress.
Frequently asked questions
Our financing is called Sofortfinanzierung (Instant Financing) because you can apply for it so quickly and effortlessly with Banxware. You can take out a loan anywhere from €1,000 up to €250,000 that suits your business needs.
Small and medium-sized companies based in Germany can apply for Banxware Sofortfinanzierung if they have generated sales for at least 6 months.
The average monthly company turnover should be at least €1,250 if your company can prove sales via online platforms or card terminals (Amazon, Shopify, SumUp, etc.).
All companies without online sales should be able to prove a monthly turnover of at least €3,300.
The following legal forms are supported: GmbH, GmbH & Co. KG, UG, GbR, OHG, KG, e.K., sole traders and freelancers.
There is a fixed financing fee to the loan, which means there are no compounding interests or hidden costs. You only incur this fixed fee when you have been approved for the loan. The fee is a fixed percentage of your loan amount and is repaid along with the loan amount over the term of the loan.
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.
There's no catch - we've opted for a transparent business model that allows business owners to know all fees upfront before you take out a loan. We understand what it's like to run and grow a business. Our aim is to give you really easy online access to finance.
Do you have any questions?
Experts like Paula understand your business. Call us on +49 30 311 937 03 or send us an email.
Receive your offer now
Fast, free and non-binding.
Are other forms of financing stunting your growth?
Rigid boundaries hold you back from success
Your growth deserves flexible financing - without it, you won't be able to react quickly and easily to opportunities or risks.
Waiting for your capital? There's no time for that
Unclear processes and slow processing times slow down your projects. To be successful, you need speed and efficiency - not unnecessary waiting times.
Good advice is hard to come by
You need first-class service and expert advice for your business - preferably digital, flexible and perfectly tailored to your everyday life.
The best advice and fast, digital processing - at a price that is only available from a bank.
Request financing & complete the paperwork digitally
You can complete your digital financing application for up to €5,000,000 from the comfort of your office. Simply and securely upload your documents and save yourself from going to the bank with folders or having to print out endless documents.
The best advice from HVB
Your HypoVereinsbank Relationship Manager will contact you and clarify the financing details with you, such as the amount of the credit line, the interest and the repayment conditions. Thanks to pre-screening by Banxware, all documents are prepared and the process only takes up to 3 days until the credit line is available for your company.
Flexible access to your credit line at any time
Your HVB FlexFinanzierung powered by Banxware is available to you just 3 days after you finalise your contract. From thereon out, you have total freedom for how to use your new funds – whatever you need to supercharge your business.
Banxware and HypoVereinsbank
HVB FlexFinanzierung powered by Banxware is your solution for fast and flexible business financing. We combine Banxware's fast, customer-friendly application with HypoVereinsbank's expertise and advisory skills to offer you a credit line of between €250,000 and €5,000,000 in a straight-forward, digital application that is processed in just 3 days.
Benefit from the conditions of working with a bank and open up your capabilities with a financing solution that supports your entrepreneurial goals - maximum flexibility, transparency and tailored to your needs.
Frequently asked questions
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.
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.
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.
Banxware GmbH is a Berlin-based fintech startup that enables platforms to offer financing directly to their customers. You can find out more about us here.
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.
Do you have any questions?
Experts like Paula understand your business. Call us on +49 30 311 937 03 or send us an email.
Start your application today
Fast, free and unbinding.
