Finto

What Finto does

Finto (legal entity Finto GmbH) is an AI-native enterprise finance platform headquartered in Germany (Bad Mergentheim, with a Munich office) that automates the complete invoice-to-journal-entry workflow using autonomous AI agents. The platform accepts invoices in multiple formats (PDF, scans, XML, ZUGFeRD, XRechnung), performs semantic validation and account coding through self-learning models trained on each customer's historical bookings, and posts verified journal entries directly into connected ERP systems. Named integrations include SAP, Microsoft Dynamics, and DATEV, with the company explicitly positioning for additional industry ERPs. The product is designed to address pain points specific to high-volume enterprise accounts payable teams—manual review costs, lack of process transparency, missed cash discounts, booking quality, and accounting talent shortages—and is sold exclusively through an enterprise field-sales motion with custom quote-based annual subscriptions.

The company was founded in 2025 by three co-founders—Jonas Morgner (CEO), Lorenz Neuner (CPO), and Linus Boehm (CTO)—who previously built procurement and logistics companies that collectively raised over $75M from Sequoia, Index, and Insight Partners. The company is GDPR-compliant, does not train LLMs on customer data, and has assembled a senior advisory board including the former CFO of MAN Energy Solutions, SAP's Chief Controlling Officer, and former MD of Shared Service Centers at Melitta and Burda. It received a $500,000 Y Combinator round in September 2025 and operates with 1-10 employees, targeting DACH (Germany, Austria, Switzerland) as its primary geographic market with broader EU ambitions. Only one enterprise customer is publicly disclosed as a case study (Arminia Bielefeld), and no revenue or ARR figures are available.

Name

Finto

Legal name

Finto GmbH

Website

https://gofinto.com

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

1–10 employees

Short description

Finto is a Germany-based AI startup building autonomous agents that automate enterprise invoice processing end-to-end, from document ingestion and validation to verified journal entries in SAP, Microsoft Dynamics, and DATEV, targeting DACH enterprise finance teams.

Ownership category

akta.pro rank

Product category

AI Accounting Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro industry

PRIMARYFSAGADAB

Expense Tracking & Financial Dashboards

Financial & Insurance/Financial Technology (Fintech)/Personal Finance & Financial Wellness (PFM)

Keywords

• AI invoice processing
• Accounts payable automation
• Enterprise accounting software
• Autonomous finance agents
• ERP invoice integration

Headquarters

HQ city

München

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. SaaS Subscription: AI-powered invoice processing platform sold as a subscription service to enterprise customers. Pricing based on invoice volume or team size, with enterprise agreements for larger deployments.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Finto provides an AI-powered autonomous accounting platform for enterprise finance teams. The platform uses AI agents to capture incoming invoices in any format (PDF, scan, XML, ZUGFeRD), validate them, perform account coding based on historical patterns, and deliver verified journal entries directly into ERP systems such as SAP, Microsoft Dynamics, and DATEV — eliminating manual invoice processing and clicks-based workflows.

Product overview

Finto is an AI finance platform built for enterprises. The core offering is a unified AI-powered invoice processing platform that combines multiple capabilities: (1) Inbox Management for capturing all incoming invoice formats (PDF, scan, XML, ZUGFeRD), (2) Invoice Validation for automated verification, (3) Account Coding using AI that learns from historical entries, and (4) Analytics for financial insights. The platform is designed as a single integrated system with ERP connectors for SAP, Microsoft Dynamics, and DATEV, rather than discrete add-on modules.

Differentiator

Problem solved

Functional benefit

Products and services

• Finto AI Invoice Processing Platform AI-powered autonomous accounting platform that captures incoming invoices in any format (PDF, scan, XML, ZUGFeRD), validates them, performs AI-driven account coding, and delivers verified journal entries directly into enterprise ERP systems (SAP, Microsoft Dynamics, DATEV, and other industry ERPs). Designed for CFOs and finance teams at mid-to-large enterprises processing high volumes of invoices.

Quantifiable outcome

• 0% no-touch rate for invoice processing
• +6 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability9 records

Feature6 records

Partnerships

Six partnerships are on record, tiered advisor and core.

• Jürgen KlöpfferadvisorOthersFormer MAN Energy Solutions CFO & Managing Director Volkswagen Global Shared Service Center. Provides strategic guidance on finance operations and enterprise accounting needs.
• Lukas DeutschadvisorOthersChief Controlling Officer at SAP. Provides expertise on ERP integration and enterprise software requirements.
• Michael FelixadvisorOthersFormer Managing Director of Shared Service Centers at Melitta & Burda. Provides expertise on shared services operations and scalability requirements.
• SAPcoreTechnology or IntegrationEnterprise ERP integration partner. Finto integrates with SAP for seamless invoice processing and journal entry automation within SAP environments.
• Microsoft DynamicscoreTechnology or IntegrationEnterprise ERP integration partner. Finto integrates with Microsoft Dynamics for automated invoice processing within Dynamics environments.
• DATEVcoreTechnology or IntegrationGerman accounting software integration partner. Finto integrates with DATEV for automated invoice processing and accounting entries for German enterprises.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• SAP: SAP is the dominant ERP vendor in DACH enterprise finance and offers native invoice management and increasingly AI-driven automation via Joule. Competes broadly with Finto as the system of record that Finto integrates with.
• Microsoft Dynamics 365: Microsoft Dynamics is a major enterprise ERP with embedded invoice processing and Copilot-driven AI features. Comparable as both an integration partner and broad incumbent competing for the same finance team budget.

Regional players

• DATEV: DATEV is the dominant German tax and accounting software platform used by tax advisors and mid-market enterprises. Comparable as a core integration target and as a regional incumbent defining invoice/booking standards in Germany.

Direct peers

• BlackLine: BlackLine provides financial close automation, including AI-driven invoice-to-account reconciliation and journal entry automation for enterprise accountants. Directly comparable on autonomous accounting workflows for CFOs.
• Vic.ai: Vic.ai offers AI-driven autonomous invoice processing and AP automation for enterprises. It is a direct competitor targeting the same finance teams with similar agentic AI capabilities for invoice-to-journal workflows.
• Yokoy: Yokoy provides AI-powered spend management, invoice processing, and expense automation for European enterprises. Comparable to Finto due to overlapping DACH customer focus, autonomous AI approach, and ERP integration capabilities.
• Tipalti: Tipalti offers end-to-end AP automation including invoice capture, approval workflows, and ERP sync for mid-market and enterprise finance teams. Comparable on the invoice processing and ERP integration dimension, though broader in scope.
• Airbase: Airbase delivers AP automation, corporate cards, and spend management with OCR-driven invoice capture and ERP integration. Competes in the same enterprise finance automation category as Finto.
• Ramp: Ramp combines corporate cards, AP automation, and AI-powered invoice coding for finance teams. Comparable on autonomous invoice-to-book workflows and ERP integration, though primarily US-focused.
• Brex: Brex offers AI-powered AP automation, bill pay, and ERP sync alongside its corporate card product. Overlaps with Finto on automated invoice processing and ERP integration for enterprise finance teams.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/fintoai

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds2 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Finto