Finban
Finban (finban GmbH) is a German cloud-based SaaS platform providing liquidity planning, cash flow forecasting, budgeting, and contract management for SMBs, startups, agencies, and freelancers, connecting bank accounts via PSD2 (Tink) and integrating with German accounting, payment, and e-commerce tools.
- Company typePrivate
- Founded-
- HeadquartersBerlin, Germany
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Finban does
Finban (legal entity: finban GmbH) is a privately held German fintech that operates a cloud-based liquidity planning and cash flow management SaaS platform aimed at small and medium-sized businesses, startups, agencies, e-commerce operators, SaaS companies, freelancers, and entrepreneurs with multi-entity GmbH and Holding structures. The platform connects European business bank accounts via PSD2-regulated APIs (Tink), integrates with German accounting software (lexoffice, sevDesk), payment processors (Stripe, PayPal Business), e-commerce (Shopify), and spreadsheets (Excel, Google Sheets), and applies automated 12-month cash flow forecasting, scenario analysis, budget tracking, employee cost planning, multi-bank consolidation, and (as of 2026) automatic contract/recurring-payment detection. The technology stack is hosted on ISO 27001-certified AWS Frankfurt infrastructure with AES-256 end-to-end encryption, Convex cloud backend, and strict GDPR/DSGVO data residency. The company is registered in Brandenburg, Germany, with a team of 1–10 employees and a founder-led operating model under Managing Director Marcus Smolarek.
The business model combines a tiered SaaS subscription (Starter at €35/month, Business at €65/month, Pro at €120/month, and a Custom enterprise tier), with 14-day free trials and a 25% discount on annual billing, alongside a separate professional services arm called finban Consulting that offers fixed-price fractional CFO and liquidity planning packages starting at €1,490 net. Go-to-market is primarily product-led growth via self-serve signup at app.finban.io, supplemented by a sales-assisted live demo motion, a formal channel partner program for tax advisors, accountants, and consultants earning recurring commissions, and a content-driven SEO and review-velocity strategy. Reported scale is 300+ companies using the platform with top ratings on OMR, Capterra, Software Advice, and Google, plus 500+ companies accompanied by finban Consulting. The company appears to be bootstrapped, with no recorded external funding rounds, and operates primarily in the DACH region.
Finban firmographics
Firmographics- Name
- Finban
- Legal name
- finban GmbH
- Website
- https://finban.io
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Finban (finban GmbH) is a German cloud-based SaaS platform providing liquidity planning, cash flow forecasting, budgeting, and contract management for SMBs, startups, agencies, and freelancers, connecting bank accounts via PSD2 (Tink) and integrating with German accounting, payment, and e-commerce tools.
- Ownership category
- akta.pro rank
Finban industry classification
Industry- Product category
- Financial Planning & Analysis Software
- akta.pro primary industry
- Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)
- akta.pro secondary industry
- Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG)
Keywords
Where Finban is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Finban business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Infrastructure, Personnel, Marketing or Sales, Operations
Revenue model
- SaaS Subscription (Core): Finban generates revenue primarily through tiered monthly and annual SaaS subscription plans (Starter, Business, Pro, Custom). All plans include a 14-day free trial. Annual billing offers a 25% discount vs monthly. Subscriptions are auto-renewing with 14-day cancellation notice.
- finban Consulting (Professional Services): Separate consulting arm offering on-demand finance expertise (liquidity planning, fractional CFO, financing, reporting). Sold as fixed-price packages starting at €1,490 net for liquidity planning. Directly complements and upsells the software product.
- Partner Referral Commissions: Partner program earns partners recurring commissions for each customer referred to finban, creating a referral/channel revenue stream through tax advisors, consultants, and technology integrators.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Starter: Solo/small businesses with 1 bank account and 1 accounting integration |
| Subscription | Monthly | Business: Companies with 1-5 bank accounts, accounting, and CRM |
| Subscription | Monthly | Pro: Entrepreneurs with multiple organizations (e.g., GmbH + Holding) |
| Subscription | Multi-year contract | Custom: Large enterprises with individual requirements |
Go-to-market motion4 records
Distribution channels4 records
Marketing channels8 records
Finban product offering
Product offeringCore offering
Finban is a cloud-based SaaS platform that connects business bank accounts, accounting systems, and payment processors to provide real-time liquidity visibility, automated 12-month cash flow forecasting, scenario analysis, budget tracking, and contract management for small and medium-sized businesses. It is sold as a tiered subscription (Starter, Business, Pro, Custom) and is complemented by a separate 'finban Consulting' professional services arm offering fractional CFO and financial advisory work.
Product overview
Finban is a cloud-based liquidity planning and cash flow management platform offered as a SaaS subscription with three tiers (Starter, Business, Pro) plus a Custom enterprise plan. The core finban platform provides real-time cash visibility by connecting bank accounts, accounting software (lexoffice, sevdesk), and payment processors (Stripe, PayPal Business, Shopify), powered by an automatic 12-month liquidity forecast. The product portfolio includes several integrated feature modules: Liquiditätsmanagement (real-time account aggregation), Szenarien & Forecasts (scenario analysis), Multi-Banking (multi-account overview), Budgets (budget tracking), Personal (employee cost planning), Verträge (contract management with automatic recurring payment detection), and Projekte (project planning, in beta). finban Consulting serves as a separate advisory layer offering fractional CFO and financial planning consulting services, directly building solutions within the finban software tool.
Differentiator
Problem solved
Functional benefit
Products and services
- finban Liquidity Planning Platform Cloud-based liquidity planning and cash flow management software that connects European bank accounts via PSD2 (Tink), accounting tools (lexoffice, sevDesk), and payment processors (Stripe, PayPal Business, Shopify) to deliver real-time cash visibility, automated 12-month cash flow forecasting, scenario/what-if analysis, budget tracking, employee cost planning, and contract management. Target users are German SMEs, startups, agencies, e-commerce businesses, and entrepreneurs with multiple legal entities (e.g., GmbH + Holding).
- finban Consulting On-demand financial consulting and fractional CFO service offering hands-on liquidity planning setup, financing advisory, and reporting services for SMEs and startups. Combines financial expertise with the finban software tool by setting up plans directly within the platform so clients can continue independently. Sold as fixed-price packages.
Quantifiable outcome
- Replaced hours of manual Excel work with real-time cash flow overview
- +1 more outcomes
Companies that use Finban
Customer profileNamed customers7 records
Segments7 records
Ideal customer profiles3 records
Finban technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature6 records
Finban partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and key.
- TinkcoreTink is the external bank API provider that enables PSD2-compliant read-only access to users' European bank accounts. Users consent to data storage by Tink during online banking login. Tink provides the encrypted interface between bank and finban, which is a critical technical dependency for the core product.
- lexofficecorelexoffice is one of the leading German accounting software platforms. finban synchronizes open invoices and quotes automatically into the cash flow plan from lexoffice. Featured prominently on the integrations page.
- sevDeskcoresevDesk is a German accounting and invoicing platform. finban integrates to pull open invoices and quotes into the cash flow view automatically.
- StripekeyStripe payment data is pulled into finban's liquidity plan, giving e-commerce businesses real-time visibility into payment receipts processed through Stripe.
- PayPal BusinesskeyPayPal Business account transactions are pulled into finban's cash flow overview, providing visibility into PayPal-held balances alongside traditional bank accounts.
- ShopifykeyShopify e-commerce platform integration brings sales and transaction data into finban's cash flow planning for online retailers.
- QontokeyQonto online business banking data is connected to finban's multi-banking dashboard, allowing users to view Qonto balances alongside other bank accounts in a consolidated view.
- Amazon Web Services (AWS)corefinban's application and data infrastructure is hosted exclusively on ISO 27001-certified AWS servers in Frankfurt, Germany. AWS provides the cloud backend and redundant data storage. Data is processed end-to-end encrypted on these servers.
- Tax Advisors & Accountants (Partner Program)keyTax advisors (Steuerberater) and accountants (Buchhalter) form the core of finban's partner program. They recommend finban alongside their advisory services, earning recurring commissions for referred clients. Partners gain access to training materials, certification, co-marketing, and priority support.
- Business Consultants (Partner Program)keyBusiness consultants (Unternehmensberater) extend their advisory projects with data-driven financial planning and scenario analysis using finban. They earn recurring commissions for referred clients and gain access to partner dashboard and training.
- Software & Technology Partners (Partner Program)keySoftware and technology partners integrate finban via API into their ecosystem or offer it as a complementary solution to their existing customers. Earn recurring commissions for referred clients.
Scale indicators2 records
Recent moves6 records
Expansion highlights6 records
Finban competitors and assessment
Company assessmentDirect peers
- re:cap: German cash flow forecasting platform for SaaS and tech companies. Direct overlap on cash flow forecasting and scenario analysis, particularly for German-speaking startup and SMB customers.
- Commitly: DACH-region cash flow and financial planning tool featured alongside Finban in third-party comparisons. Comparable SMB and startup use cases around real-time cash visibility.
- Tidely: German cash flow and liquidity planning software for SMBs. Cited alongside Finban in third-party comparison reviews, addressing the same target customer and use case in the DACH region.
- Tresio: German liquidity planning and cash flow management tool for small businesses. Frequently compared to Finban in software comparison articles and serves the same DACH SMB segment.
- Float: UK-based cash flow forecasting software. Comparable on multi-bank aggregation, scenario modeling, and SMB/agency/mid-market use cases; broader geographic footprint but similar product scope.
- Agicap: France-headquartered European leader in SMB cash flow forecasting and treasury management. Directly comparable product (bank connectivity, forecasting, scenario planning) targeting very similar SMB and mid-market customer base across Europe, with substantially larger funding.
- Helu: German cash flow management and financial planning tool mentioned alongside Finban in comparison reviews. Targets overlapping DACH SMB customers with bank-connected liquidity planning.
Broad incumbents
- LucaNet: Established European provider of financial planning, consolidation, and cash forecasting software. Operates at a larger enterprise scale but overlaps with Finban in multi-entity cash consolidation and reporting workflows.
- DATEV: Dominant German cooperative IT and accounting platform for tax advisors and SMBs. While not a direct liquidity planner, it is the central system for German Steuerberater who are also Finban's primary partner channel.
Emerging players
- Pulse (cash flow / Spendee): Cash flow and budgeting tools for SMBs and freelancers with bank connectivity. Comparable PLG motion and bank-data-driven forecasting, though broader consumer/small-business orientation than Finban's B2B focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Finban compliance and trust
Trust signalCompliance3 records
Finban financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finban leadership team
Management profileNumber of profiles
Profiles1 record
Finban funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finban M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Finban
What does Finban do?
Finban is a cloud-based SaaS platform that connects business bank accounts, accounting systems, and payment processors to provide real-time liquidity visibility, automated 12-month cash flow forecasting, scenario analysis, budget tracking, and contract management for small and medium-sized businesses. It is sold as a tiered subscription (Starter, Business, Pro, Custom) and is complemented by a separate 'finban Consulting' professional services arm offering fractional CFO and financial advisory work.
Is Finban a public or private company?
Finban is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Finban founded?
Finban was founded in -1. It employs 1 to 10 people.
Where is Finban based?
Finban is headquartered in Berlin, Germany, in the Europe region.
How does Finban make money?
Three revenue lines are on record. SaaS Subscription (Core) is the primary driver. The others are finban Consulting (Professional Services) and partner Referral Commissions.
Who are Finban's main competitors?
Direct peers on record are re:cap, Commitly, Tidely, Tresio, Float, Agicap and Helu. Broad incumbents are LucaNet and DATEV. Pulse (cash flow / Spendee) is listed as an emerging player.
Does Finban have an API?
Yes. Finban provides an API that allows users to access their financial data stored on finban.io. The AGBs (Terms of Service) explicitly state that users can access their data via the API interface, and the Partner page indicates that software and technology partners can integrate finban via the API into their ecosystem. The terms note that the provider is not liable for damages from API usage by users or third-party products accessing data through the API. Developer documentation is at www.finban.io/documentation.
What industry is Finban in?
Finban's product category is Financial Planning & Analysis Software. Its primary akta.pro industry code is FSAGACAA, Account Aggregation & Connectivity (Multi-bank linking), with a secondary code of FSAGACAG, Transaction Analytics & Cash-Flow Insights (risk signals, forecasting).