Viceversa
Viceversa is a Milan-based fintech that provides revenue-based financing of €10K to €5M to European digital businesses, including SaaS, eCommerce, subscription, and marketplace companies. Its growth platform combines non-dilutive capital with PULSE predictive analytics and Bridge embedded-finance tooling across six countries.
- Company typePrivate
- Founded2021
- HeadquartersMilan, Italy
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Viceversa does
Viceversa is a Milan-based fintech founded in November 2021 that provides revenue-based financing (RBF) to European digital businesses. Its core product extends €10K to €5M in non-dilutive, guarantee-free capital, with repayment structured as a percentage of the borrower's future revenues until an agreed multiple is repaid. The platform serves SaaS, eCommerce, subscription, marketplace, and mobile-app businesses across six European countries (Italy, Germany, Austria, Ireland, Switzerland, UK), with operational offices in Milan and Dublin.
The company's underlying technology is an AI-driven credit decisioning and analytics stack. Proprietary machine learning models assess borrowers using integrated data from sales channels (Amazon, Stripe), advertising platforms (Meta), and bank-account APIs (Fabrik, GoCardless, PrestaTech). PULSE, its predictive analytics product, uses these models to surface cash-flow forecasts and marketing KPIs for borrowers. The platform is built on a partner-heavy infrastructure: Stripe powers the Viceversa Virtual Card and credit-API-based fund deployment, SWAN and Mollie handle SEPA Direct Debit collection, DocuSign executes contracts, OpenAI powers internal chatbots, and Google Cloud provides the underlying infrastructure. Bridge, a white-label embedded-finance offering, extends the credit engine into eCommerce and marketplace platforms for B2B2B distribution.
Viceversa's business model combines inside-sales and product-led self-serve acquisition with a partner referral channel that includes Qonto (400K+ European SMB clients), VC funds, and marketing agencies. Revenue is generated as a transaction-fee / multiple-spread on each funded loan rather than interest, making the company's economics scale with portfolio velocity rather than ticket size. The company has raised €33M cumulatively across a €23M seed (€3M equity + €20M debt, led by Fasanara Capital, November 2021) and a €10M Series A (led by CDP Venture Capital, May 2023), with co-investors including Azimut Digitech, Kairos Partners, Italian Angels for Growth, and Fabrick. Management is led by co-founders Matteo Masserdotti (CEO) and Pedro Salvi (CFO), supported by co-founders Pietro Pogliani and Patrick David.
Viceversa firmographics
Firmographics- Name
- Viceversa
- Legal name
- Viceversa S.r.l.
- Website
- https://goviceversa.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Viceversa is a Milan-based fintech that provides revenue-based financing of €10K to €5M to European digital businesses, including SaaS, eCommerce, subscription, and marketplace companies. Its growth platform combines non-dilutive capital with PULSE predictive analytics and Bridge embedded-finance tooling across six countries.
- Ownership category
- akta.pro rank
Viceversa industry classification
Industry- Product category
- Revenue-Based Financing Platform
- NAICS
- Sales Financing (52222)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Corporate Venture Capital (CVC) (FSANAAAF)
Keywords
Where Viceversa is headquartered
LocationHeadquarters
- HQ city
- Milan
- HQ country
- Italy
- HQ region
- Europe
Offices3 records
Markets served
Viceversa business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Revenue-Based Financing / Revenue Sharing: Provides capital ranging from €10K to €5M to digital companies for digital marketing, shipping, and inventory needs. Companies repay with a percentage of their future revenues until the investment multiple is fully repaid. Alternative to equity financing that is non-dilutive and guarantee-free.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Outcome Based/ Performance | Pay-as-you-go | Growth Capital - For digital acceleration and enhanced brand visibility |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Viceversa product offering
Product offeringCore offering
Viceversa provides revenue-based financing of €10K to €5M to European digital businesses, repaid as a percentage of future revenues with no equity dilution, no guarantees, and funding offers delivered within 3 days. Its PULSE analytics platform applies proprietary AI/ML models to connected sales, marketing, and bank-account data to underwrite borrowers and surface predictive business insights, and the Bridge white-label solution embeds the same financing rails inside eCommerce and marketplace platforms.
Product overview
Viceversa is a growth platform for digital businesses that combines revenue-based financing with data-driven analytics. The platform consists of two core financing products (Growth Capital and Working Capital) providing €10K to €5M in flexible, equity-free capital, supported by the PULSE analytics service for predictive financial intelligence and marketing insights. Additional offerings include the Viceversa Virtual Card (powered by Stripe) for managing advertising budgets, Bridge for white-label embedded finance, the RBF Estimator for funding calculations, and a Referral Program for partner engagement. The platform connects to sales and marketing channels (Amazon, Meta, Stripe) to evaluate businesses and provide automated funding offers within 3 days.
Differentiator
Problem solved
Functional benefit
Brands
- PULSE: Analytics and insights platform powered by AI that enables companies to monitor marketing KPIs and business performance.
- Viceversa Virtual Card
Products and services
- Growth Capital Revenue-based financing product that provides €10K to €5M in flexible, non-dilutive capital to digital businesses to invest in digital marketing, shipping, and inventory for brand visibility and customer acquisition, repaid as a percentage of future revenues with funding offers delivered within 3 days.
- Working Capital Revenue-based financing product designed to ensure smooth day-to-day operations and cover immediate expenses and short-term liabilities for digital businesses, with the same non-dilutive, revenue-share repayment structure as Growth Capital.
- PULSE Service AI-powered predictive financial intelligence solution that provides business forecasting and decision-making support through predictive analytics, cash-flow graphs, tables, and KPI dashboards, leveraging connected sales, marketing, and bank-account data sources.
- Viceversa Virtual Card Stripe-powered virtual payment card that lets businesses manage advertising budgets, control deployed RBF funds, separate digital marketing expenses, and benefit from easy cancellation and reissuance with no setup fees.
- Bridge (Embedded Finance) White-label embedded finance solution that enables eCommerce and marketplace leaders to embed Viceversa's revenue-based financing capabilities directly into their own platforms for their merchants and sellers.
Quantifiable outcome
- 200%+ average growth rate recorded by companies using the platform
- +5 more outcomes
Companies that use Viceversa
Customer profileNamed customers12 records
Segments5 records
Ideal customer profiles2 records
Viceversa technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration10 records
AI capability4 records
Feature4 records
Viceversa partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- StripecoreStripe powers Viceversa's funding strategy with virtual payment card (Viceversa Virtual Card) for managing advertising budgets. Integration provides portfolio management automation and secure fund deployment through Stripe's credit API-based solution.
- FabrikcoreAPI connection to customers' checking accounts for cash flow analysis and transaction monitoring. Used for Funding Service evaluation and Pulse Service analytics.
- GoCardlesscoreAPI connection to customers' checking accounts. Used for Pulse Service to display cash flow graphs, tables, and KPIs.
- PrestaTechcoreBanking transaction analysis and categorization for Funding Service approval and Pulse Service financial overview.
- DocuSigncoreElectronic signature for all contractual/legal documents between Viceversa and customers.
- SWANcoreCreation and submission of SEPA Direct Debits (SDD) for payment recovery of investments made.
- MOLLIEcoreCreation and submission of SEPA Direct Debits (SDD) for payment recovery of investments made.
- OpenAIcoreChatbots within the Platform for facilitating information gathering and internal communication. Planned for customer support function.
- Google Cloud PlatformcoreInfrastructure for administrative and accounting activities related to contract execution and service provision.
- QontocoreBusiness banking partner recommends Viceversa to their 400K+ online-business clients across Europe. Qonto specializes in SMEs, startups, and freelancers with 1300+ employees.
Scale indicators7 records
Recent moves7 records
Expansion highlights6 records
Viceversa competitors and assessment
Company assessmentBroad incumbents
- iwoca: UK-based online lender providing flexible working capital and term loans to SMBs. Adjacent rather than direct, as iwoca is broader small-business credit rather than RBF, but competes for the same digital SMB segment in Europe.
- Funding Circle: Public UK SMB lending platform. Operates in adjacent SMB credit space across Europe; not a direct RBF peer but competes for the same digital SMB funding wallet with more traditional term loan structures.
- Stripe Capital: Embedded financing program from Stripe offering cash advances to businesses processed on Stripe. Viceversa is a Stripe technology partner, but Stripe Capital operates at vastly greater scale and as part of the broader Stripe platform.
- Liberis: Embedded finance provider offering revenue-based and card-based financing to SMBs. Comparable as a broader European SMB funding incumbent with embedded-finance distribution similar to Viceversa's Bridge product.
Emerging players
- Pipe: Platform enabling SaaS companies to convert recurring revenue into upfront capital. Operates in the same revenue-based financing category as Viceversa with comparable SaaS customer overlap, though its trading-platform model differs in structure.
Direct peers
- Wayflyer: Dublin-headquartered revenue-based financing and analytics platform for eCommerce brands. Viceversa runs comparison pages against Wayflyer; both serve European digital merchants with capital tied to revenue share.
- Capchase: Revenue-based financing platform focused on B2B SaaS companies. Closely comparable to Viceversa's SaaS segment, offering non-dilutive capital repaid against recurring revenue.
- Outfund: UK-based RBF platform funding SaaS and eCommerce companies. Targets the same digital SMB segment as Viceversa with revenue-share repayment mechanics.
- Clearco: Revenue-based financing provider for digital businesses and DTC brands. Directly competes with Viceversa on funding SaaS, eCommerce, and subscription businesses using revenue-share repayment.
- Uncapped: UK-based revenue-based financing provider for digital businesses. Viceversa's own website runs a head-to-head comparison vs. Uncapped, signaling it as the primary direct competitor. Both target online SMBs with non-dilutive capital.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Viceversa social profiles
Digital presenceViceversa compliance and trust
Trust signalCompliance1 record
Viceversa financial estimates
Financial estimateRevenue estimate
Valuation estimate
Viceversa leadership team
Management profileNumber of profiles
Profiles4 records
Viceversa funding detail
Funding detailFunding overview
Funding rounds3 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Viceversa M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Viceversa
What does Viceversa do?
Viceversa provides revenue-based financing of €10K to €5M to European digital businesses, repaid as a percentage of future revenues with no equity dilution, no guarantees, and funding offers delivered within 3 days. Its PULSE analytics platform applies proprietary AI/ML models to connected sales, marketing, and bank-account data to underwrite borrowers and surface predictive business insights, and the Bridge white-label solution embeds the same financing rails inside eCommerce and marketplace platforms.
Is Viceversa a public or private company?
Viceversa is a private company. It is classified as venture growth investor backed and is currently operating.
When was Viceversa founded?
Viceversa was founded in 2021. It employs 11 to 50 people.
Where is Viceversa based?
Viceversa is headquartered in Milan, Italy, in the Europe region.
How does Viceversa make money?
One revenue line is on record: revenue-Based Financing / Revenue Sharing.
Who are Viceversa's main competitors?
Broad incumbents on record are iwoca, Funding Circle, Stripe Capital and Liberis. Pipe is listed as an emerging player. Direct peers are Wayflyer, Capchase, Outfund, Clearco and Uncapped.
Does Viceversa have an API?
No public API is recorded for Viceversa.
What industry is Viceversa in?
Viceversa's product category is Revenue-Based Financing Platform. Its primary akta.pro industry code is FSANAAAF, Corporate Venture Capital (CVC). Its NAICS code is 52222 and its SIC code is 7372.