StartupResearcher · Jul 2026
StartupResearcher summarizes Finto’s seed financing and the founders’ decision to base the company in Munich to serve European enterprise finance teams.
Company research
Public company, workplace, funding, and market signals
Updated Jul 29, 2026
Overview
Finto is a Munich-based, YC-backed enterprise AI finance startup that automates the invoice-to-pay workflow for finance teams, from invoice capture and validation to approvals, account coding, and ERP posting.
Primary product
AI accounting / AI finance platform for automating invoice-to-pay and ERP posting
Founded
2025
Headquarters
Munich, Germany
Team size
1-10
Work style
Onsite
Industry
Software Development
Sub-industry
Accounting & Finance Software
Offices
Sandstrasse 33, 80335 Munich, Germany
Weinsteige 7, 97980 Bad Mergentheim, Germany
Business model
B2B SaaS
enterprise software
AI workflow automation
Funding
Stage
seed
Total raised
$3.4M
Latest round
Seed · Jul 2026
Latest amount
$3.4M
Jul 2026
People & investors
Work & culture
Small founding-team culture with customer obsession, radical candor, mastery, and an A-team mindset. The company emphasizes ownership, bias for action, truth over comfort, and shipping quickly with strong customer feedback loops.
Work style
Onsite
Compensation
Public roles advertise roughly €30K–€130K EUR plus equity for Tech Lead, €50K–€80K EUR plus equity for (Senior) Solution Engineer, and €60K–€130K EUR for Product Engineer. Hiring pages emphasize meaningful equity and early-stage upside.
Benefits
25 vacation days
2 fixed company recharge days
meaningful equity
twice-yearly team offsites
hacker weeks in Europe or San Francisco
career-defining early-stage growth
access to the YC / San Francisco network
Product & market
Pricing
Not publicly disclosed; demo/contact-sales model
Differentiators
- —AI agents rather than OCR or rigid workflows
- —End-to-end invoice-to-pay automation
- —ERP integrations with SAP, Microsoft Dynamics, and DATEV
- —Auditability and full control
- —Claims 90% no-touch processing and up to 80% cost reduction per invoice
- —Claims sub-2-day receipt-to-journal-entry turnaround
- —GDPR-compliant and says it does not train LLMs on customer data
- —European / Munich-based market and ERP/regulatory focus
Technology
JavaScript
TypeScript
React
Next.js
Node.js
Python
Go
LLMs
SAP integration
Microsoft Dynamics integration
DATEV integration
Customers
Arminia Bielefeld
Eat Happy Group
Competitors
SAP
Microsoft Dynamics
DATEV
Scale & contact
Estimated revenue
Approximately $330K ARR (estimated)
Estimated monthly visits
4.2K
Traffic estimate as of Jun 2026
Latest news
FinSMEs · Jul 2026
FinSMEs covers the $3.4M seed round and notes the company is using the capital to scale automated financial workflows across Europe’s industrial mid-market.
Pulse2 · Jul 2026
Pulse2 adds that finance-leader angels participated in the round and highlights Finto’s AI accounting automation and enterprise finance focus.
Finto · Jul 2026
Official seed-round announcement: Finto says it raised $3.4M from Y Combinator, Gradient, and Lightspeed, and that most invoices at first customers now run without human touch.
Tech.eu · Jul 2026
Tech.eu reports Finto was founded in 2025 in Munich, raised a $3.4M seed round, and builds autonomous AI agents for accounting with SAP, Microsoft Dynamics, and DATEV integrations.
Jobs and careers at Finto
7 jobs at Finto
Entrepreneur in Residence
On-site
Product & Tech
Finto HQ, Munich
2mo ago
On-site
Full-time
Founders Associate
On-site
Go-To-Market
Finto HQ, Munich
4mo ago
On-site
Full-time
Founders Associate Intern
On-site
Go-To-Market
Finto HQ, Munich
6mo ago
On-site
Full-time
Product Engineer Intern
On-site
Product & Tech
Finto HQ, Munich
8mo ago
On-site
Full-time
Product Engineer
On-site
Product & Tech
Finto HQ, Munich
8mo ago
On-site
Full-time
Solution Engineer
On-site
Product & Tech
Finto HQ, Munich
1y ago
On-site
Full-time