In February 2026, Banxware and Amazon launched a significant collaboration in Germany to offer embedded financing solutions for sellers on the platform. This marks Banxware’s largest platform partnership to date.
This new alliance allows German-based Amazon sellers direct access to digital financial products offered by HypoVereinsbank (UniCredit) and Banxware via the Amazon seller portal. The embedded finance program includes term loans ranging from EUR 1,000 to EUR 250,000 through Banxware Sofortfinanzierung with swift disbursement in just 24 hours, as well as credit lines up to EUR 5 million through HVB FlexFinanzierung, with credit decisions made within three business days.
Approximately 47,000 merchants selling on Amazon benefit from this partnership. Prior to this agreement, ING Deutschland partnered with Amazon until summer 2025 to provide financing options and credit lines of up to EUR 750,000 for sellers before adjusting its strategy.
Embedded finance solutions for Amazon marketplace vendors
Marin Brinckmann, head of small and medium-sized enterprise business at HVB, explains that this partnership allows the bank to offer credit solutions directly within the Amazon ecosystem. Each application is assessed independently based on individual needs, with Banxware providing a credit score. For loans surpassing EUR 250,000, HVB performs a final review.
Banxware was established in 2020 by Miriam Wohlfarth and Jens Röhrborn. In mid-2024, the German fintech introduced its first product in collaboration with HVB, enabling corporate clients of the UniCredit subsidiary to apply for digital instant financing. Banxware currently operates partnerships with platforms like Lieferando and Zalando as well as financial services fintech Qonto.
By integrating these lending products directly into Amazon’s platform, this partnership seeks to streamline the funding process for sellers, helping them manage inventory, expand their operations or meet other business needs more efficiently.
HypoVereinsbank, part of the UniCredit banking group, supplies the underlying financing products available through this Amazon integration. The bank operates across Germany and is integrated into UniCredit’s European banking network.
