Rechnung48

What Rechnung48 does

Rechnung48, as represented in the available data, corresponds to aifinyo AG, a German Aktiengesellschaft incorporated in Germany and operating since 2012, headquartered at Freienwalder Straße 17, 13055 Berlin, with a secondary office in Dresden. The company operates in German SME and growth-stage business financing under the Smart Billment brand, bundling five core revenue streams — factoring (invoice financing), finetrading (goods/inventory pre-financing), leasing, billing, and inkasso (debt collection) — plus cross-border international transfers, on a transaction-fee revenue model with customized per-customer pricing.

The underlying technology is a cloud-based platform that combines AI-based invoice capture (KI-basierte Rechnungserfassung) for text and structured-data extraction with automated invoice processing, payment matching, dunning, and a real-time cashflow/liquidity management tool that surfaces actionable recommendations. A Cloud-API layer allows enterprise customers to integrate their accounting and ERP systems, and all data resides in a certified high-availability data center in Germany under DSGVO/GDPR compliance.

Commercially, the company runs a sales-led, B2B go-to-market targeting growth-stage companies, freelancers, SMEs, and sustainability-focused businesses, reaching customers through its corporate website, a content/knowledge center (Lexikon, Blog, Downloadcenter), organic social presence across Instagram, Facebook, YouTube, LinkedIn, and Xing, third-party reviews on ProvenExpert, and a dedicated intermediary/broker channel ('Für Vermittler'). Customer references span at least eight named companies across real estate, energy, e-commerce, food, biotech, fashion/footwear, and consumer lifestyle. The company markets thousands of customers and operates an active careers and Investor Relations function consistent with its AG legal form.

Name

Rechnung48

Legal name

aifinyo AG

Website

https://rechnung48.de

Company type

Public

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Rechnung48 (aifinyo AG) is a German fintech operating since 2012 that provides integrated smart financing for SMEs and growth-stage companies via its Smart Billment platform, bundling factoring, finetrading, leasing, billing, inkasso, and cross-border payments on a transaction-fee basis.

Ownership category

akta.pro rank

Product category

Invoice Factoring and Business Financing

NAICS

Sales Financing (52222), Collection Agencies (56144), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

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

akta.pro primary industry

Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC)

akta.pro secondary industries

Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD), Utilities/Telecom & Other Non-Financial Receivables Collections (FSAKAJAN), Accounts Receivable (Invoicing, Cash Application, Deductions) (BPAAAGAB), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

Keywords

• Invoice financing services
• Business factoring platform
• Equipment leasing solutions
• Debt collection services
• Liquidity management software

Headquarters

HQ city

Dresden

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Factoring Services: Invoice financing services enabling businesses to access liquidity against their receivables. Revenue generated through transaction fees on financed invoices.
2. Finetrading Services: Goods financing solution for purchasing inventory and materials with pre-financing capabilities.
3. Leasing Services: Equipment and asset leasing solutions for businesses.
4. Billing Services: Invoice management and processing services.
5. Inkasso (Debt Collection): Professional debt collection services for outstanding receivables.
6. International Transfers: Cross-border payment services with reported savings of up to 80% on international transactions.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels9 records

Core offering

Rechnung48 (operating as aifinyo AG) provides smart financing solutions for businesses through its Smart Billment cloud platform. The platform bundles Factoring, Finetrading, Leasing, Billing (AI-based invoice management), and Inkasso (debt collection) with real-time cashflow management and Cloud-API integration, enabling companies to access liquidity, manage receivables, and streamline financial workflows.

Product overview

aifinyo is a smart financing platform for businesses, operating under the Smart Billment brand. The platform offers an integrated suite of financial services including Factoring, Finetrading, Leasing, Inkasso (debt collection), and Billing. The Smart Billment platform serves as the central hub combining AI-powered invoice management, real-time cashflow monitoring, and Cloud-API connectivity for seamless system integration. The platform targets growth companies and freelancers seeking flexible financing solutions and streamlined receivables management.

Differentiator

Problem solved

Functional benefit

Brands

• Smart Billment: All-in-one platform for intelligent invoice financing and financial management integration.

Products and services

• Smart Billment Platform The central all-in-one cloud platform that integrates AI-powered invoice capture, real-time cashflow management, automated accounts receivable processing, and Cloud-API connectivity for businesses seeking unified financing and receivables management.
• Factoring
• Finetrading
• Leasing
• Billing
• Inkasso (Debt Collection)
• International Transfers (Auslandsüberweisung)

Quantifiable outcome

• Up to 80% savings on international payments
• +1 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature4 records

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Funding Circle: Funding Circle is a publicly listed SMB lending platform operating across Europe. It competes with aifinyo's Factoring and broader SME financing products via an automated, data-driven underwriting model.
• Agicap: Agicap is a European cashflow-management platform providing real-time liquidity dashboards and forecasting for SMBs and finance teams. Its cashflow tool overlaps directly with aifinyo's Liquiditätsmanagement/Cashflow-Tool module within Smart Billment.
• Pair Finance: Pair Finance is a Berlin-based AI-powered debt collection company using machine learning to optimize recovery rates. It is a direct competitor to aifinyo's Inkasso offering, particularly for non-financial receivables.
• Rivero: Rivero is a European SaaS platform for debt-collection and receivables management, offering automated workflows and integrations. It directly competes with aifinyo's Inkasso (debt collection) service within the Smart Billment stack.
• Billie: Billie (now part of Qonto) is a Berlin-based B2B Buy Now Pay Later and invoice-financing provider targeting German SMEs. It directly competes with aifinyo's Factoring and Finetrading offerings with similar instant-decisioning value propositions.
• iwoca: iwoca is a London-headquartered fintech operating in Germany that provides SME invoice financing and short-term working-capital loans with AI-driven underwriting. It directly competes with aifinyo's Factoring and Finetrading products for German SME customers.
• re:cap: re:cap is a Berlin-based recurring-revenue and cashflow financing platform for SaaS and subscription businesses. It competes with aifinyo's Finetrading and Factoring for tech-enabled German growth companies and SMEs needing working capital.

Emerging players

• Kontist: Kontist is a Berlin-based fintech bank for freelancers and self-employed professionals offering business accounts and integrated financing. It overlaps with aifinyo's freelancer/Solo-Entrepreneurs segment for working capital and invoice-management use cases.

Broad incumbents

• Allianz Trade (Euler Hermes): Allianz Trade, formerly Euler Hermes, is the global leader in trade credit insurance and offers factoring solutions as part of a wider portfolio. It is a broad incumbent competing for SME factoring business that aifinyo also targets.
• Coface: Coface is a global trade credit insurance and factoring incumbent serving large and mid-market exporters. It competes with aifinyo's Factoring/Receivables Finance offering, but at a much larger scale and broader geographic scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC89Vbs6JEajrvkbnu4RrO1w
• Facebookfacebook.com/aifinyo.de
• LinkedInlinkedin.com/company/rechnung48
• Instagraminstagram.com/aifinyo/?hl=de

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Rechnung48