Float
A fintech offering growth capital, credit lines and AI-based financial tools to European startups and scaleups.
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Podcast Episode
🎙️ Deep Dive
Neko Health, Monumental, Float — $700 million for prevention, $32 million for construction robots and €4.5 million to fund scaleups — Daily News July 15, 2026
Listen to the episodeAbout Float
Founded in 2019 in Stockholm by Cedric Notz and Jannis Koehn, Float provides revenue-based financing, credit lines and working capital to European startups and technology companies without equity dilution. Having deployed over €100 million to more than 130 businesses, the company is evolving into a platform integrating capital, bank accounts, financial data and AI-native automation. In July 2026 it raised a €4.5 million Series A led by CHAPTERS Group AG to double its team, expand in the UK, develop new AI tools and explore acquisitions.
The Story
Founded in 2019 in Stockholm by Cedric Notz and Jannis Koehn to offer European startups a non-dilutive alternative to venture capital for growth financing.
How Float works
Business Model
B2B financial platform for European technology companies combining credit and operating software.
Revenue Model
Interest and fees on financing; software revenue in development.
Products & Services
Key Products
- Revenue-based financing
- Credit lines
- Working capital
- AI-native financial platform
Core Use Cases
- Finanziamento della crescita senza diluizione
- Gestione del capitale circolante
- Automazione di pagamenti e spese
- Analisi finanziaria in tempo reale
Market & Clients
Key Customers
European B2B SaaS startups, scaleups and technology companies with recurring revenue.
Geographic Presence
How Float competes
Competitive Advantages
- Over €100M deployed to 130+ companies
- Integration of credit and operating tools
- Presence in Nordic and UK markets
How Float grows
Growth Strategy
Double the team, strengthen the UK, develop AI-based tools and explore acquisitions.
Distribution Model
Direct digital B2B sales.
Moat (Defensibility)
Proprietary financial data, underwriting capability and bank/accounting integrations.
Regulatory Context
Credit provision and financial services depend on licences and structures in each country.
Key Risks
- Credit risk
- Cost of funds
- Multi-country financial regulation
- Balance between software growth and credit discipline
Strategic Insights
- I dati bancari integrati possono migliorare il modello di underwriting e l’automazione finanziaria.
- L’espansione dal credito al software aumenta la frequenza della relazione con il cliente.
Funding & Investors
Total Funding
Funding Rounds
- 2026 - Series A: €4.5M
Lead: CHAPTERS Group AG
Key Investors
Founding Team
Founders
Key Metrics
Lessons from Float
- Una soluzione finanziaria può evolvere in una piattaforma operativa.
- Il capitale non diluitivo è utile solo quando i flussi di cassa possono sostenerne il rimborso.
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