Discover the new art of invoicing, payment and liquidity planning.


Global business relations are common practice. However, when it comes to paperwork and payment, there is still plenty of room for improvement.

With finbc, international invoicing and payments become easier than ever. Send invoices to your customers around the world right out of the ERP system, enabling them to pay with just one click. No matter whether regular or crypto currency.

An AI powered liquidity management tool forecasts potential gaps and our on-demand factoring provides you with fast and easy cash.

All finbc members can also become an investor by allocating liquidity to other members. Our algorithms ensure the best match for both – investor and seller. Finbc’s member rating system and external credit agencies provide decision support.

More than just factoring

Your business is expanding, the order backlog is full, yet there is a lack of liquidity? You do invest loads into managing outstanding receivables? And yet, your debtors pay late?

finbc makes your life easier

We support you in managing your liquidity. End to end. Starting from incoming purchase orders, sending invoices to debtors up to checking cash accounts for payments. Our professional dunning services support you to claim your money. And if you need fast liquidity you can use our factoring service on demand with just one click.

You need fast liquidity?

Sell your invoices and get funds instantly by using our escrow payment service on the blockchain. Select your invoices you want to sell. You can select single invoices or whole batches that match a liquidity need. The selected invoices are cast on the blockchain and payment and invoice assets are exchanged via a smart contract on our escrow account. finbc checks status on bank cash accounts or escrow for incoming payments and initiates repayments.

How does it work?

Connect – Manage – Exchange – Settle

4 easy steps to your liquidity

1. Upload
your invoices from your ERP System

2. Analyse
your liquidity and risk exposure with your debtors

3. Exchange
your invoices with your peers

4. Get paid
in any currency


FBC Tokens

The finbc Coins (FBC) are tokenized securities which enable investors to fund the new way of international b2b payments and financing services. Token holders

– can benefit by participating in the distribution of profits

– are entitled to offer your own services on our platform

– obtain exclusive services

Contrary to utility tokens, an emission of a security token is subject to strict supervision which we voluntarily undergo. By issuing a dedicated prospect following the German authority (BaFin) we are implementing the highest standards and pursue utmost transparency to investors and users.

finbc network

– 40 million FBC (= ERC20 Tokens)
– Funding goal: 25 million €
– Tokens can be bought with Euro, Dollar, Bitcoin and Ethereum
– KYC process will be mandatory
– Unsold tokens will be burned after STO
– Minimum purchase amount: 1000 Tokens

Phase 1: Private Offering
The private offering phase will grant early stage investors a higher bonus on the tokens. The level depends on the time and the amount of the investment.

Phase 2: Public Offering
The public offering phase will contain three contingents of differently bonified tokens depending on purchasing time. Respective announcements will be made on the webpage and dedicated communication channels.

Lockup period
for bonified tokens: 10% per month


The Roadmap

With help from our teams, advisory board, partners, and investors these are the milestones we are looking forward to achieving.


We have a strong team with a huge market know how,  a wide mix of experience and an extensive network.

Stefan Grimm

  • 18+ years experience in Finance and Consulting
  • Previously partner at IT technology consulting it-economics GmbH, focus Block-chain, Payments, RPA
  • Served at Accenture, SEB Bank
  • Built automotive bank, various IT Development projects

Tobias Pitz

  • 12+ years experience in Finance and Operations
  • Previously senior manager at it-economics GmbH, focus Project Management, Business development
  • served at Accenture, Steria Mummert
  • Built automotive bank, various IT Development projects

Andreas Scheifele

  • 12+ years experience in marketing and corporate strategy
  • Previously Director for faktoora, a fin-tech factoring corp. serving freelancers, micro caps
  • Experience in company foundation in diverse industries (factoring, consulting, nuclear)
  • Served at JET-Services, NUKEM, ROSATOM

Torsten Stein

  • 18+ years experience in IT and Consulting
  • Currently CEO of faizod. (doing Blockchain development for blockchain projects)
  • Longstanding Blockchain Expert and Keynote speaker
  • Extensive experience as lead technical architect and developer

Marco Jacobasch
Senior Developer
11+ years experience in software development
Jutta Suhr-Böhm
Business Analyst
25+ years experience in Banking, Project and Test Management, Payment Expert (SEPA, Cards)
Benjamin Müller
Software Developer & QA Engineer
6+ years experience in IT, quality assurance and test automation, including blockchain software development and token sale experience
Motivation Engineer
2+ years experience in motivation engineering and occupational therapy
Philipp Kanaan
Software Developer & Engineer
8+ years experience in software engineering and project management, including blockchain software development and token sale experience

Advisory Board

Georg Strich
Board Advisor
Principal at Investors Marketing AG and former CMOof TARGO Commercial Finance
Prof. Dr. Nils Urbach
Board Advisor
Professor at University of Bayreuth and co-founder of the Fraunhofer Blockchain Lab
Dr.Michael Runds-hagen
Board Advisor
VP at Cognizant Technology Solutions, leading the whole DACH-region’s consulting business.
Henri de Jong
Board Advisor
Quantoz board member and responsible for business development
Prof.Dr. Philipp Sandner
Board Advisor
Head of Frankfurt School Blockchain Center at the Frankfurt School of Finance & Management
Dr. Andreas Wagner
Board Advisor
Well connected with local companies and institutions, as well as author of 12 books

Meet Us Here

Get In Touch

Any question? Reach out to us and we’ll get back to you shortly.

Our Partners & Network

With our partners we have access to more than € 8bn transaction value.

VVRB logo
CRIF logo
Components Stack - Open API Platform