🇩🇪 Germany · m:access · FinTech & SME Finance

aifinyo AG Digital SME finance platform

A Berlin-headquartered technology-driven financial-services company delivering smart financing and billing solutions to freelancers, start-ups, and small and medium-sized enterprises through an integrated cloud platform that combines invoicing, factoring, leasing, finetrading, and payments serving more than 8,000 business customers.

AIFY

Ticker

m:access

Segment

FinTech

Sector

DE 🇩🇪

2012

Founded

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Elevator Pitch

aifinyo AG: Revolutionizing Finance for Growth Companies | Elevator Pitch by CEO Stefan Kempf

Learn about SIXT SE's groundbreaking integrated mobility platform and global expansion plans from CFO Prof. Dr. Kai Andrejewski. Explore the strategy, brand, and vision behind their success.

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🧾

Invoice Management

Cloud platform & automation

💰

Factoring & Finetrading

Flexible SME financing solutions

🏦

Bank-Independent

Non-traditional lending model

📊

Billomat Suite

Cloud accounting integration

Headquarters

aifinyo AG

Friedrichstrasse 94, 10117 Berlin

Germany +49 351 8969 3310 Visit Website

Company overview

Digital SME finance platform

aifinyo AG is a technology-driven financial-services company headquartered in Berlin. Founded in 2012, the Company provides smart financing and billing solutions tailored to freelancers, start-ups, and small and medium-sized enterprises (SMEs). Its shares are listed on the Munich Stock Exchange in the m:access growth segment and are also traded via Xetra, giving the Group access to both the specialist SME investor base of Munich and the broader liquidity of the electronic trading system.

Integrated Business Model and Financial Solutions

aifinyo operates a comprehensive fintech platform that integrates billing, financing, and payment services into a single ecosystem. The platform enables businesses to automate invoicing, manage cash flow, and access flexible financing solutions such as factoring, leasing, and finetrading. By combining software-based tools with financial services, aifinyo generates recurring revenues from subscription-based solutions alongside income from financing activities, ensuring a balanced and scalable business model that lifts overall margin quality above pure-lender economics.

Technology-Driven Development and Platform Ecosystem

aifinyo's core strength lies in its digital platform for invoice and liquidity management, which streamlines administrative processes and reduces complexity for businesses. The Company continuously enhances its ecosystem by integrating new technologies, improving automation, and expanding its product offerings. Solutions such as the cloud-based accounting tool Billomat enable efficient handling of invoicing processes, supporting end-to-end financial operations for SME customers within a single interface.

Asset-Light Operations and Customer Focus

Operating as a bank-independent financial-services provider, aifinyo delivers flexible and accessible financing solutions without the constraints of traditional banking systems. Its services cater to a wide range of industries, including e-commerce, manufacturing, consulting, and logistics. This customer-centric, asset-light approach allows businesses to optimise liquidity, reduce administrative burden, and focus on growth and core operations while giving aifinyo a diversified customer base and lower single-industry concentration risk than a specialist lender.

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