Fabian Heiß, chief operating officer (COO) and co-founder of German lending infrastructure provider Banxware, has announced his departure from the company at the end of this month.
Headquartered in Berlin, Banxware specialises in embedded lending solutions for small and medium-sized enterprises (SMEs). Its platform is integrated with over 40 digital marketplaces and has attracted backing from investors such as Fabrick, Redstone, and Fin Capital. In June 2025, the company secured a €10 million investment from Italian banking group UniCredit.
Heiß, who co-founded Banxware in 2020 alongside co-CEOs Jens Roehrborn and Miriam Wohlfarth, initially served as the firm’s managing director, where he says to have built and led the company’s product, design, and marketing functions, developed its in-house software engineering teams, and contributed to fundraising efforts.
Since stepping into the COO role in July 2024, he has overseen underwriting, customer service, and collections teams, while also heading the integration of AI agents into Banxware’s operations.
Commenting on his decision to leave, Heiß told FinTech Futures: “After five-plus years in the trenches, I felt it was the right moment to step back and follow my curiosity in different directions.”
He added, “I feel it’s the right time – not too early to weaken Banxware and also not too late in my professional life. There is nothing behind the curtain: no dramas, no disputes, no bad performance – just the genuine and joint decision to move forward.”
Heiß highlighted Banxware’s accomplishments during his tenure, including scaling the company to become “Germany’s leading embedded lending infrastructure for SMEs”, achieving 100% year-over-year growth in loan origination, and building a “team and product that operates at scale”. However, he noted, “that’s a lot of momentum to be proud of. But momentum isn’t the same as fulfillment.”
On his next professional steps, Heiß stated, “I’m genuinely excited about exploring two frontiers: agentic AI and tokenisation of real-world assets. These aren’t random interests – they’re logical extensions of what I learned building Banxware.”
“The question isn’t whether these technologies will reshape finance and business operations; it’s how they’ll be applied and who will build the critical infrastructure that makes them work in practice”, he added.
Heiß described himself as currently being in “active exploration mode” and pondering whether he’d be “founding again, joining an early-stage team, or building alongside visionary operators”.
“The goal is to work on problems that matter and operate with people who think deeply about how technology actually changes the world,” he concluded.
Source: https://www.fintechfutures.com/
