FINYOZFINYOZ
Factoring 2.0
FINYOZFINYOZ
Factoring 2.0
FINYOZWorking capital finance reimagined
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FINYOZFactoring volume in our core markets
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FINYOZInvoice volume financed to date
> €20m
since launch in April 2024
REVENUE SINCE LAUNCH
€303,000
since April 2024
Signed partnerships
FINYOZTechnology ecosystem
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Proprietary tech stack with top-notch infrastructure partners for fast scale up
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Fully digitized KYB/KYB onboarding modules including AML/PEP/Sanctions check and company database API-integration ( ID42 two)
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23ms for issuing financing cost quotation to companies based on dozens of risk factors and company/debtor-risk cross rates
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Investors receive named accounts with their unique IBANs
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Our order matching algo matches up to 100 investors with 100 different companies to diversify investment risk
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Order book execution within ecosystem at zero cost
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Various types of bonds can be issued, collateralized, trade credit insurance is optional
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Bonds can be tokenized or issued with ISIN/WKN number and registered in digital investor wallets
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Debtor repayment cash cycle is completely automated and mimics payment streams of factoring finance
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Companies receive same-day payout in 36 currencies
Website
Platform UI
Invoice approval UI
Electronic Onboarding
Orderbook Matching
Company Databases
Market Engine
Insurance Rating DBs
Pricing Engine (spread)
Risk Engine (interest rate)
Payments Platform
Trade Credit Insurance
Digital Custodian
CRM System
Back Office
System Config
FINYOZTechnology advantages
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Highly digitalized workflow ensures decreasing marginal costs when scaling
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Proprietary technology stack guarantees in-house control and development on key innovations such as client onboarding KYB/KYC, company risk scoring, client UX and platform logics
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Tech stack is built with modular architecture, allowing for fast time to market when launching new product segments
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Utilizing blockchain technology to prevent alteration/falsification of contract data
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Determined focus on AI along the whole value chain allows for lean and efficient management
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Issuing tokenized bonds provides for EU-wide passporting rights, pivot into “standard” factoring is optional
FINYOZThe Core Management Team
Thorsten de Jong
B.Sc. MA. MA.
CEO FINYOZ
Founder
- 20 years of banking experience having worked as Senior Relationship Manager at Director level for Deutsche Bank and Credit Suisse amongst others in Vienna, Zurich and London.
- Thorsten is the CEO of Finyoz, focussing on all commercial and operational tasks, as well as front-end product design and UX.
Dennis de Jong
B.Sc. MSc. LL.M.
CEO Fintech42
Founder
- Starting off in venture capital, he has gained 20 years in the financial and fintech industry starting and running several ventures also in/with the Israeli start-up community.
- Dennis is the CEO of Fintech42, focussing on all strategic aspects and back-end product as well as logics design.
Richard Lutschounig
Mag.
CFO
Shareholder
- Established Fintech CFO with over a decade of executive leadership scaling financial technology ventures. Combines entrepreneurial grit as a former Fintech Founder with deep institutional expertise from an earlier career in Corporate Banking focussing on international restructurings.
- Holds a Master in Economics and Law from WU Wien, offering a rare blend of strategic financial steering, regulatory acumen, and operational experience.
Haris Dzafic
Dipl.Ing.
CTO
Shareholder
- Haris has +10 years of software engineering experience, having worked as a Full Stack and Lead Developer for Daimler Mobility and Wolf GmbH, amongst others, in Stuttgart and Sarajevo.
- Haris is the CTO, driving the platform's technical architecture, engineering execution and the development team.
Peter Zachariades
L.LB. LL.M. MBA
Advisor
Founder
- 25 years of experience in the legal and financial services industry having worked as Director for SaxoBank EMEA amongst others, he is approved by the UK Financial Authority, FCA, for director and compliance oversight roles and a member of the Honourable Society of the Middle Temple Bar Association.
- Peter is London-based and oversees all legal and compliance related matters of Fintech42 and Finyoz.
Investment history
Investment round July 2023: 10% at a €5M valuation
Investment round July 2024: 10% at a €10M valuation
OWNERSHIP STRUCTURE
79.63%
FINTECH42
Parent company
Vienna/Austria
Vienna/Austria
— 100% —
FINYOZ
Subsidiary
Munich/Germany
Munich/Germany
ISO 27001 certification by September 2026
FINYOZThe story carries itself
Coverage topics
Our awards and recognitions
HIPE AWARD 2024
Global Awards 2025/26
Investment Management Company of the Year
Leitbetrieb Germany
Leitbetrieb Austria
FINYOZA fragmented, sluggish market
- ◆87,37% of the invoice financing market is serviced by banks or their own distribution channels*
- ◆Our competitors focus on direct customer acquisition, system integration into banks' financing flows is not a priority
- ◆Our "open" platform approach ensures that we can tap into liquidity from a range of investors
- ◆Our platform approach ensures that we are not the counter party to the investment risk
Bottom line
To release the multiplier effect we target financing invoice flows where they occur seeking direct system integration through cooperations/integrations with banks, neobanks and other platforms.
*Source: https://www.fortunebusinessinsights.com/factoring-services-market-111547
FINYOZWhy Finyoz fills a gap in available financing options
A comparison with factoring and Finyoz
FINYOZThree verticals side by side
Traditional Banks   | Neobanks  | Logistics  | |
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| Our offering | Separate tenant solution | Invoice financing as a Finyoz or embedded solution | Integration of a financing option for freight rates via logistics platforms |
| USP | High ROCE via insurance · access to a new target group · higher profitability of existing customers through digitization | Neobanks are EMIs and do not offer invoice financing themselves — FYZ is highly digitized and fits their business model perfectly | Freight-rate invoices between €500 and €3,500 require a fully digital process to be commercially profitable |
| Liquidity source | Bank | Finyoz platform Liquidity | Finyoz platform Liquidity |
| Customer | Bank | Bank | Logistics platform |
| Revenue model | Revenue share for FYZ on the arrangement fee + interest income | Revenue share for the neobank on the arrangement fee · FYZ retains the full interest spread | Revenue share for the logistics platform on the arrangement fee · FYZ retains the full interest spread |
| FYZ margin on financed volume | 1% | 2 – 3% | 3 – 4% |
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FINYOZRevenue trajectory & growth forecast
Financial forecast and roll-out roadmap for the next expansion stage.
| Year | Revenue |
|---|---|
| Since launch | €303,000 |
| 2026 estimated | €350,000 |
| 2027 Bawag Group alone | €3,800,000 |
| Metric | 2027 | 2028 | 2029 |
|---|---|---|---|
| Financed invoices (volume) | €580m | €1,500m | €2,500m |
| Revenue | €5.8m | €15m | €25m |
| COGS | €2m | €3m | €4m |
| OPEX | €1m | €2m | €3m |
| EBITDA | €3m | €10m | €18m |
| Year | Partner banks | Number of corporate Clients | Finance volume | Finyoz forecast revenue | Market share |
|---|---|---|---|---|---|
| 2026 | BAWAG Group easybank Austria | 40,000 | €380m | €3.8m | 1% Austria |
| 2027 | + Knab (NL) + Südwest Bank (DE) + easybank Germany | 270,000 70,000 20,000 | €1.0bn €250m | €10.0m €0.7m | 0.6% NL 0.75% DE |
| 2028 | + Permanent PTSB (IRL) (incl. Ulster Bank corporate portfolio) | 300,000 (of 1.3m) | €1.0bn | €10.0m | 0.3% UK |
FINYOZFunding round of €2,0m
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