Vivid Launches €250K Business Loans with Banxware
Hey Digital Banking Fanatic!
Access to capital is often what separates an idea from a business that grows. But for many entrepreneurs, loans still come with long waits, paperwork, and uncertainty. Vivid Money wants to change that.
Vivid announced a partnership with Banxware to offer fully in-app business loans — up to €250,000. Freelancers and small businesses in Germany can apply in a few clicks, skip the paperwork, and get faster access to funding without leaving the platform.
Founded in 2019, Vivid started as a consumer FinTech but has steadily expanded its focus. Today, its app combines spending, saving, investing, and business banking features. Since launching Vivid Business for freelancers in 2022 and SMEs in 2024, the company has onboarded over 30,000 businesses across Europe.
For Banxware, this partnership builds on its vision of embedding lending directly into digital platforms. The Berlin-based company specializes in providing fast, tailored financing solutions for SMEs. Its technology enables partners like UniCredit, Zalando — and now Vivid — to offer loans without the friction of traditional banking.
With this partnership, Vivid Business customers get access to loans of up to €250,000, a fully digital application process, and a financing fee starting at 1% per month. The idea is simple: funding should meet businesses where they already are.
For Vivid, adding business loans is part of a bigger plan to become a one-stop financial platform for entrepreneurs. “Banxware helps us build the ultimate all-in-one platform for SMEs, from travel to crypto to business loans, simplifying every core financial need,” says Alexander Emeshev, Co-Founder of Vivid.
“Together with Vivid, we’re creating the financing access today’s entrepreneurs need: fast, digital, and integrated,” says Miriam Wohlfarth, Founder of Banxware.
This move follows a series of initiatives from Vivid to attract entrepreneurs — from high-interest savings accounts to multi-IBAN features and expense management tools.
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