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§ Private Profile · Berlin, Germany
B2B lending and finance platform providing automated working capital financing and invoice pre-financing for SMEs and freelancers.
Finiata is a Berlin, Germany-based B2B lending and finance platform that provides automated working capital financing and invoice pre-financing to small and medium-sized enterprises, freelancers, and self-employed individuals. The company utilizes data-driven credit scoring technology that combines traditional algorithms with alternative data sources to deliver same-day financing decisions for market segments typically underserved by traditional commercial lenders. Operating with a 50-person team composed largely of data scientists and programmers, the platform has served approximately 5,000 customers while maintaining an average monthly growth rate of 35 percent. The enterprise has secured $29.52 million in total funding, including an €18 million Series A round backed by venture capital firms such as Redalpine, DN Capital, and Point Nine. The business was subsequently acquired by Manta Ray Ventures in April 2022. Finiata was founded in 2016 by Sebastian Diemer and Ingmar Stupp.
Finiata has raised $45.3M across 4 funding rounds.
Finiata has raised $45.3M in total across 4 funding rounds.
Finiata has raised $45.3M across 4 funding rounds. Most recently, it raised $8.0M Series A in November 2020.
| Date | Round | Lead Investors | Other Investors | Status |
|---|---|---|---|---|
| Nov 1, 2020 | $8M Series A | — | Dawn Capital, DN Capital, Jigsaw VC, Manta RAY Ventures, European Investment Fund | Announced |
| Dec 14, 2017 | $21.2M Debt Financing | — | DN Capital, Pavel Mucha, FLY Ventures, Sebastian Kulczyk, Point Nine Capital, Redalpine | Announced |
| Dec 1, 2017 | $12M Series A | — | Dawn Capital, DN Capital, Earlybird Venture Capital, FJ Labs, Jigsaw VC, Magical Capital, Point Nine Capital, Social Capital, Mark Gerson | Announced |
| Oct 17, 2016 | $4.1M Venture Round | — | FLY Ventures, German Startups Group, LA Famiglia, Point Nine Capital | Announced |
Finiata has raised $45.3M in total across 4 funding rounds.
Finiata's investors include Dawn Capital, DN Capital, Jigsaw VC, Manta Ray Ventures, European Investment Fund, Pavel Mucha, Fly Ventures, Sebastian Kulczyk, Point Nine Capital, Redalpine, Earlybird Venture Capital, FJ Labs.
Finiata is a Berlin-based fintech that builds automated, data‑driven working-capital and flexible credit products—primarily lines of credit and invoice financing—for freelancers and small-to-medium enterprises (SMEs), and it also offers embedded lending integrations for partners and platforms.[1][2]
High-Level overview
Origin story
Core differentiators
Role in the broader tech landscape
Quick take & future outlook
Quick reiteration: Finiata is a fintech focused on automated working‑capital and embedded lending for freelancers and SMEs, differentiated by fast data‑driven underwriting and partner‑centric distribution, with its next phase dependent on scaling partnerships and demonstrating durable credit performance.[1][2][3]
Sources: Company and industry profiles reporting on Finiata’s product focus, founding year, rebrand from Blackbill, funding and positioning.[1][2][3]