RECHNUNG.de
Offers fast financing solutions for successful freelancers, self-employed, startups and entrepreneurs.
| Date | Investors | Amount | Round |
|---|---|---|---|
| - | investor | €0.0 | round |
| N/A | €0.0 | round | |
| N/A | €0.0 | round | |
N/A | Acquisition | ||
| Total Funding | 000k | ||
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RECHNUNG.de is a digital financing platform operated by aifinyo AG, a publicly-traded fintech company based in Dresden, Germany. Initially founded as Elbe Finanzgruppe in 2012 by current board members Stefan Kempf and Matthias Bommer, the parent company rebranded to aifinyo AG and went public in December 2018 on the Munich Stock Exchange. aifinyo acquired the RECHNUNG.de platform along with its operator, Decimo GmbH, in January 2020 to enhance its technological capabilities and expand its digital service offerings. The acquisition integrated Decimo's highly automated online factoring technology, strengthening aifinyo's position in the market.
The firm operates as a comprehensive smart billing partner, targeting freelancers, startups, and small to medium-sized enterprises (SMEs) in Germany. Its business model revolves around providing a suite of integrated financial solutions designed to manage liquidity and streamline billing processes. Revenue is generated through fees and interest associated with its financing products. The core offerings available through the RECHNUNG.de ecosystem include factoring, where the company purchases and pre-finances client invoices; finetrading for financing goods purchases; leasing for work equipment; and collections management for outstanding receivables.
The platform provides a one-stop-shop for working capital needs, which are often underserved by traditional banks due to small transaction volumes. Beyond financing, aifinyo offers practical tools to simplify daily business operations, such as free invoice creation and management. Following the acquisition of the accounting software Billomat, the company has further expanded its ecosystem, offering a cloud-based system for handling all invoice-related processes efficiently. This integrated approach allows clients to manage, finance, and get paid for their invoices through a single, automated platform. aifinyo's subsidiaries, aifinyo finance GmbH and aifinyo payments GmbH, are regulated by the German Federal Financial Supervisory Authority (BaFin), ensuring compliance and security for its clients.
Keywords: invoice financing, factoring, SME finance, working capital, fintech Germany, liquidity solutions, digital lending, finetrading, leasing, receivables management, online factoring, business financing, freelancer finance, startup funding, invoice automation, aifinyo, Billomat, accounts receivable financing, supply chain finance, B2B payments