Tilta

Name

Tilta

Legal name

Tilta

Website

https://tilta.io

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

B2B Receivables Financing & Embedded Finance

NAICS

Nondepository Credit Intermediation (5222), Other Nondepository Credit Intermediation (52229), Sales Financing (52222), Activities Related to Credit Intermediation (5223)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

akta.pro secondary industry

Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC)

Keywords

• B2B payments
• Receivables financing
• Embedded finance
• Accounts receivable automation
• Credit risk assessment

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Receivables Financing: Tilta enables businesses to turn invoices into liquidity by purchasing or financing receivables. The platform facilitates the flexible sale of receivables with 100% payout and no security retention.
2. Credit Insurance Integration: Through partnerships with credit insurers like Allianz Trade, Tilta provides insured defaults where risk becomes Tilta's concern, generating revenue through insurance premiums and risk management fees.
3. API & Platform Access: White-labeled and embedded B2B payment solutions for marketplaces and eCommerce platforms, generating revenue through platform licensing and transaction fees.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Tilta provides an AI-powered receivables management platform that enables mid-market B2B companies to turn invoices into liquidity through flexible sale of receivables with 100% payout and no security retention. The platform combines real-time AI-driven credit risk assessment (powered by credit data from Allianz Trade, Creditsafe, Creditreform, and Schufa), automated accounts receivable management, and 100% insured defaults (underwritten by Allianz Trade). It also offers embedded white-labeled payment and purchase lending solutions for B2B marketplaces and eCommerce platforms via Shopware and Mambu integrations.

Product overview

Tilta is a B2B fintech company offering an AI-powered receivables management and embedded finance platform. The core product is the Receivables Management Platform, which combines real-time AI risk assessment, flexible receivables financing, automated AR management, and debtor management into a unified solution. Additional offerings include an Embedded Purchase Lending Solution (built on Mambu), White-Labeled Payment Solutions for B2B marketplaces and eCommerce platforms, and API-based access to platform functionalities. The platform integrates with major European credit data providers (Allianz Trade, Creditsafe, Creditreform, Schufa) and offers standardized ERP interfaces for seamless accounting system connectivity.

Differentiator

Problem solved

Functional benefit

Products and services

• Receivables Management Platform AI-powered one-stop shop for receivables management, offering flexible sale of receivables with 100% payout and no security retention, real-time AI risk assessment and credit limits, automated AR management, debtor management, and 100% insured defaults underwritten by Allianz Trade. Sold to mid-market B2B companies across Europe.
• Embedded Purchase Lending Solution Embedded B2B purchase financing product built on Mambu's cloud banking platform, enabling partners (banks, platforms) to offer purchase lending capabilities within their own offerings using Tilta's risk assessment and AR management.
• Embedded Credit-Backed Payment Solution for B2B Marketplaces White-labeled embedded payment solution for B2B marketplaces that adds credit-backed payment terms to marketplace checkouts, enabling the marketplace to monetize payment flows between suppliers and buyers.
• White-Labeled B2B eCommerce Payment Solution White-labeled embedded payment and financing solution for B2B eCommerce platforms, allowing partners to offer credit-backed payment options under their own brand with plug-and-play integration (e.g., Shopware).
• Tilta API Platform REST API providing programmatic access to Tilta's platform functionalities including risk notifications, invoice management, debtor management, and payment integrations for partners and developers.

Quantifiable outcome

• 100% payout on receivables with no security retention
• +3 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability3 records

Feature5 records

Partnerships

Six partnerships are on record, tiered major and core.

• MambumajorTechnology or Integration · 11 April 2025Cloud banking platform partnership enabling Tilta to launch embedded purchase lending solutions. Mambu provides the banking infrastructure for Tilta's lending products.
• Allianz TradecoreStrategic or Co-development PartnerWorld's leading credit insurer providing comprehensive credit data for international business relationships. Partnership enables Tilta's 100% insured defaults where Tilta bears the credit risk.
• CreditsafecoreTechnology or IntegrationEurope's largest business intelligence agency with real-time credit information on over 365 million companies. Provides credit data for Tilta's AI-powered risk assessment.
• CreditreformcoreTechnology or IntegrationGermany's leading business intelligence agency with in-depth knowledge of the German mid-market. Provides local credit intelligence for Tilta's European operations.
• SchufacoreTechnology or IntegrationGermany's central credit bureau for credit checks on individuals and businesses. Enables credit verification for German market transactions.
• ShopwaremajorTechnology or IntegrationLeading German eCommerce platform. Tilta offers a plug-and-play integration with Shopware, enabling merchants to go live within two weeks.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Resolve: B2B payments and credit network for marketplaces and suppliers, offering net-terms and payment guarantees. Directly comparable to Tilta's marketplace monetisation use case (Wonnda-style).
• BlueVine: US SMB-focused fintech offering invoice factoring, lines of credit, and business banking. Comparable on receivables financing plus embedded business banking; differs in geography and direct-to-SMB vs. embedded/white-label approach.
• Mondu: Berlin-based B2B BNPL for marketplaces and merchants offering buy-now-pay-later at checkout for B2B buyers. Closely comparable to Tilta's marketplace/embedded payments strategy and target geography (DACH/Europe).
• Fundbox: US-based invoice/working-capital platform for SMBs offering receivables advances and lines of credit. Comparable on AI-driven short-term business credit, though Tilta is Europe-focused and white-label/embedded oriented.
• Billie: Berlin-based B2B BNPL/checkout financing provider for SMBs and marketplaces. Directly comparable to Tilta on invoice/payment-term financing for European mid-market; now part of Bertelsmann's Riverty, giving it a larger balance sheet.
• Crezu: Invoice financing marketplace connecting SMBs with lenders; offers invoice factoring and selective receivables sale. Comparable to Tilta on selective/free-choice receivables financing for European SMBs.

Emerging players

• Capchase: Provides revenue-based financing and recurring-receivables advances for SaaS and B2B companies. Comparable on receivables-purchase mechanics, though Tilta focuses on invoice receivables vs. Capchase's MRR/contract receivables.
• Balance: B2B checkout and payments platform offering net terms and trade credit for merchants and marketplaces. Comparable to Tilta's embedded credit-backed payments at checkout use case.

Broad incumbents

• TreviPay: Established B2B payments network offering trade credit, invoicing, and embedded payments at scale across enterprise buyers and suppliers. Larger, more diversified player with overlapping capabilities to Tilta's white-label B2B eCommerce/marketplace offering.
• Tradeshift: Global B2B marketplace and supply-chain payments platform with embedded financing capabilities. Comparable on digitising B2B commerce and offering receivables-related financing; broader scope and larger scale than Tilta.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds4 records

Investors8 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 Tilta