German AI credit fintech platform Tapline raises an additional €20M to revolutionize financing


Our portfolio company, German fintech startup Tapline, specializing in financing SaaS and subscription-based companies, has raised €20 million in a pre-series A round. This investment will enable the company to expand its operations, enhance its platform, and drive the growth of SaaS businesses across Europe. Joining the initial investors, DEPO Ventures and V-Sharp Venture Studio, are Karim Beshara, GP of A15 Venture Capital and Managing Partner of Accelero Capital, Antler, and a bespoke debt facility from WinYield.

German AI credit fintech platform Tapline raises an additional €20M to revolutionize financing

Tapline, a fintech leader transforming financing solutions for SaaS and subscription-based businesses, has raised €20 million in a pre-Series A round, comprising both equity and debt. This funding milestone enables Tapline to scale its operations, expand its innovative platform, and support the growth of SaaS companies across Europe.

Tapline provides non-dilutive financing to B2B SaaS and subscription companies by pre-financing future receivables. Using AI-driven credit technology, the company offers flexible funding solutions that help businesses scale efficiently. Companies with as little as €15K MRR can access funding up to €2M, making Tapline a valuable partner for early- and later-stage businesses alike.

With more than 25 years of combined experience in credit investment, venture capital, and technology, the Tapline team has been instrumental in driving the company’s innovation and success.

The equity portion of the funding round was led by Karim Beshara, GP of A15 Venture Capital and Managing Partner of Accelero Capital, with participation from Antler, Europe’s most active early-stage VC, and several strategic business angels. Tapline also secured a tailored debt facility from WinYield to support its portfolio of non-dilutive capital for SaaS and subscription businesses. This debt facility provides critical advantages, including lower operational costs, WinYield’s complementary credit engine, credit transfer capabilities, and reduced equity capital requirements as the facility grows.

Expanding Across Europe

Tapline currently serves clients in Germany, Estonia, the Czech Republic, and Poland, with plans to expand into additional markets soon. With strong demand for its solutions, a robust credit model, and a multi-currency platform, Tapline is empowering SaaS businesses across Europe and solidifying its role as a trusted growth partner.

Supporting Capital-Light Operations

Tapline has adopted a capital-light business model, ensuring efficiency and scalability while providing competitive pricing and flexibility. Along with non-dilutive financing, its platform leverages advanced AI-powered analytics, offering clients actionable insights into financial health, cash flow forecasting, and growth strategies.

Partnership with WinYield

“We are thrilled to support Tapline’s next phase of growth with a bespoke debt facility that lowers operational costs, enhances credit assessment capabilities, and enables credit risk transfer. This setup allows Tapline to remain capital-light and focus on technology development. Tapline is the first in its sector to adopt this model,” said Fabricio Mercier, Director at WinYield.

A Vision for the Future

“With this new funding, we aim to address liquidity challenges faced by SaaS and subscription businesses in today’s economic climate. Our scalable approach, coupled with advanced analytics and larger ticket sizes, empowers our clients to achieve sustainable growth,” said Dean Hastie, Co-founder and CEO of Tapline.

Tapline remains committed to bridging the gap between financial sustainability and growth for SaaS and subscription-based businesses across Europe through continuous innovation and expansion.