VR Ventures

Carbonx is a climate and finance startup that assists businesses in achieving their net-zero goals by reducing the risk associated with obtaining long-term carbon credits and igniting more demand for the emissions reduction industry.

KohortPay is a gamified social checkout tool that boosts influencer value, doubling conversion and reducing customer acquisition expenses. KohortPay streamlines collaboration, payments, and savings for both retailers and their customers by applying referral rewards to a purchase, even days after it's completed.

Banxware is a fintech startup based in Berlin that focuses on providing embedded lending solutions for platform-based businesses, fintechs, and banks. Founded in 2020 by Miriam Wohlfarth, Jens Röhrborn, and Fabian Heiß, the company employs over 50 people. Banxware's platform allows digital platforms, such as marketplaces and payment providers, to offer white-label financial products, including merchant cash advances and loans, to their users. The technology integrates essential financial infrastructure seamlessly, enabling small and medium-sized enterprises, e-commerce sellers, and restaurant owners to access necessary liquidity. With features like customer onboarding checks, credit scoring, risk management, and loan origination, Banxware promotes growth and enhances customer convenience by empowering platforms to launch tailored lending solutions across Europe.

Orus provides simple and transparent insurance coverage. The company is on a mission to offer simple, affordable, and tailored insurance coverage to European SMBs to give them the peace of mind to focus on what matters.

ContractHero is a leading digital contract management solution for business customers. The smart and easy-to-use software provides an overview of all current contracts, quickly identifies unnecessary costs and reduces risks from missed contract deadlines. As a result, companies have full control over their contracts and avoid missed deadlines and unnecessary costs.

Kertos is a software company that offers a comprehensive compliance platform in Europe, focusing on automating and managing data protection processes in highly regulated environments. The platform is designed to streamline internal company operations related to data subject rights, consent management, and records of processing activities. By emphasizing product integration and automation, Kertos enables businesses to operate more efficiently, allowing them to scale and adapt to modern technological landscapes while reducing their workload. This approach enhances consumer engagement and facilitates sensitive interactions between companies and their customers.

Finanzguru is an AI-powered financial assistant that helps users manage their accounts and contracts efficiently. By analyzing income and expenses in real time, it calculates disposable income and considers upcoming bookings from contractual partners, offering users a comprehensive overview of their financial situation. The application serves as a personal assistant, simplifying the management of finances and contracts, while providing personalized recommendations to enhance savings. Finanzguru aims to empower users with complete control over their finances, enabling them to optimize their financial health with minimal effort.

Atlas Metrics, founded in 2021, focuses on enhancing transparency regarding the impact of companies on people and the environment. The company develops a sustainability management platform that facilitates the collection, management, and reporting of environmental, social, and governance (ESG) data. Utilizing an innovative logic model, Atlas Metrics transforms raw data into disclosures aligned with leading governance standards, integrating seamlessly with company systems to streamline data extraction. This technology supports companies in creating unified data collection and automated workflows, ultimately aiding them in measuring and sharing their sustainability efforts. Atlas Metrics aims to empower a diverse community of stakeholders, including companies, investors, regulators, consumers, and non-profits, in their pursuit of a more sustainable future.

Banxware is a fintech startup based in Berlin that focuses on providing embedded lending solutions for platform-based businesses, fintechs, and banks. Founded in 2020 by Miriam Wohlfarth, Jens Röhrborn, and Fabian Heiß, the company employs over 50 people. Banxware's platform allows digital platforms, such as marketplaces and payment providers, to offer white-label financial products, including merchant cash advances and loans, to their users. The technology integrates essential financial infrastructure seamlessly, enabling small and medium-sized enterprises, e-commerce sellers, and restaurant owners to access necessary liquidity. With features like customer onboarding checks, credit scoring, risk management, and loan origination, Banxware promotes growth and enhances customer convenience by empowering platforms to launch tailored lending solutions across Europe.

Finanzguru is an AI-powered financial assistant that helps users manage their accounts and contracts efficiently. By analyzing income and expenses in real time, it calculates disposable income and considers upcoming bookings from contractual partners, offering users a comprehensive overview of their financial situation. The application serves as a personal assistant, simplifying the management of finances and contracts, while providing personalized recommendations to enhance savings. Finanzguru aims to empower users with complete control over their finances, enabling them to optimize their financial health with minimal effort.

ContractHero is a leading digital contract management solution for business customers. The smart and easy-to-use software provides an overview of all current contracts, quickly identifies unnecessary costs and reduces risks from missed contract deadlines. As a result, companies have full control over their contracts and avoid missed deadlines and unnecessary costs.

CURE is a vertical neobank that offers integrated banking services to doctors and medical practices. CURE runs an open-banking based business finance management platform for health professionals.

Flexcavo GmbH, established in 2020 and located in Rosenheim, Germany, specializes in the rental of construction machinery through both online and offline platforms. The company aims to enhance the long-term profitability of construction firms by creating an integrated ecosystem that combines software with asset operations. This ecosystem serves as a central operating system for modern construction companies, allowing contractors to improve productivity and optimize the utilization of their construction fleets.

Backbone Art SA operates a platform that connects professional photographers and videographers with businesses and consumers for various visual content needs, including real estate, events, and food products. The platform offers a range of services such as booking, content hosting, post-production, invoicing, and payment processing. It serves a diverse clientele, including real estate companies, international event planners, and global marketplaces. Based in Geneva, Switzerland, with an additional office in Berlin, Germany, Backbone facilitates the instant ordering and management of real estate visuals, enabling seamless collaboration among stakeholders.

Penta is a digital business bank platform designed to help startups and SMEs save time and money on banking. It automates bank accounts and invoices, offers online cashless banking services, and helps to open an online banking account in minutes, enabling consumers to manage their cashflows easily. Penta's mission is to disrupt business banking in Europe and worldwide. It was founded in 2016 and is headquartered in Berlin, Germany.

Penta is a digital business bank platform designed to help startups and SMEs save time and money on banking. It automates bank accounts and invoices, offers online cashless banking services, and helps to open an online banking account in minutes, enabling consumers to manage their cashflows easily. Penta's mission is to disrupt business banking in Europe and worldwide. It was founded in 2016 and is headquartered in Berlin, Germany.

Banxware is a fintech startup based in Berlin that focuses on providing embedded lending solutions for platform-based businesses, fintechs, and banks. Founded in 2020 by Miriam Wohlfarth, Jens Röhrborn, and Fabian Heiß, the company employs over 50 people. Banxware's platform allows digital platforms, such as marketplaces and payment providers, to offer white-label financial products, including merchant cash advances and loans, to their users. The technology integrates essential financial infrastructure seamlessly, enabling small and medium-sized enterprises, e-commerce sellers, and restaurant owners to access necessary liquidity. With features like customer onboarding checks, credit scoring, risk management, and loan origination, Banxware promotes growth and enhances customer convenience by empowering platforms to launch tailored lending solutions across Europe.

RightNow is a prominent legal technology startup based in Germany that focuses on consumer factoring. The company specializes in acquiring consumer claims arising from everyday situations and offers rapid reimbursement, often within 24 hours. Utilizing a proprietary algorithm-based approach, RightNow efficiently assesses individual claims and employs highly automated legal processes to enforce these claims in court. This innovative platform simplifies the process for consumers and businesses alike, allowing them to file claims against large corporations with ease and speed.

Penta is a digital business bank platform designed to help startups and SMEs save time and money on banking. It automates bank accounts and invoices, offers online cashless banking services, and helps to open an online banking account in minutes, enabling consumers to manage their cashflows easily. Penta's mission is to disrupt business banking in Europe and worldwide. It was founded in 2016 and is headquartered in Berlin, Germany.

nuwo is a leading provider of workplace management services, specializing in the financing, equipping, and management of hybrid workspaces. The company offers a comprehensive range of services, including furniture rental and sales, order management, and digital administration. Additionally, nuwo provides guidance on labor laws, installation, maintenance, and recurring risk assessments, ensuring that clients receive legally compliant equipment for both office and home environments. The company also supports customers with work training courses and health and fitness guidance, catering to diverse office service needs.