SMB Embedded Finance
Build your SMB Financial Platform : business creation, payments and
e-invoicing
We help you create, integrate and industrialize financial services with high value for VSES/SMEs: account opening, capital deposits, payments, virtual IBANS, electronic invoicing, electronic invoicing, cards, automatic reconciliation... All on a fluid platform that is quick to deploy and complies with regulatory requirements 2026-2027.
Your main challenges
The loss: the SMB banking relationship in favor of neobanks and Comptatech
Pure players capture business creation, payments, and daily use — relegating traditional players to the role of payment infrastructure.
.svg)
The risk of disintermediation in flows with the arrival of PDPs and electronic invoicing
The 2026—2027 reform requires a certified platform: management SaaS are massively positioning themselves, threatening your part in the flow of emission, reception and payment of invoices.
Early Capture of Entrepreneurs (Day 0: Creation and Deposit of Capital)
Current banking paths no longer compete with the “48 hours online” solutions of neobanks, which transform the deposit of capital into a massive acquisition channel.
Our approach
Structurer votre stratégie Embedded Finance SMB (BFM + PDP + Création d’entreprise)
Définir les bons services à activer (paiement, facturation, dépôts, cartes, réconciliation, e-facturation) et leurs impacts : acquisition, part de marché, revenus additionnels, réduction des coûts.
Construire des briques technologiques modulaires qui s’intègrent à votre existant
Nous concevons des API “Stripe-level”, des connecteurs (Sage, QuickBooks…), et des parcours front/back complets, tout en garantissant conformité (DSP3, ISO 27001, Factur-X).
Accélérer votre time-to-market grâce à notre expertise BaaS
De l’intégration légère (API wrapper) à l’intégration complète dans le SI, nous livrons en 10 semaines à 7 mois selon la stratégie choisie.
Build or integrate your Approved Platform/PDP to capture billing flows
Design, architecture, build, ISO 27001 certification, DGFIP compliance: we are one of the few players to have built a complete PA/PDP platform from scratch.
The Key Figures
+100 fintech products created
8 weeks
5 months
100% compliance
Our references
Cegid BIM! : lancer une plateforme SaaS unifiée en 7 semaines pour accélérer la croissance des TPE
Kolecto: 8 weeks to launch a compliant and intuitive invoicing module, key to capturing the VSE/SME market before the e-invoicing reform
Kolecto, a startup from La Fabrique du Crédit Agricole, needed to very quickly offer a Factur-X compliant electronic invoicing solution to respond to the regulatory emergency and become a PDP pilot platform. Theodo Fintech supported her to design and put into production a complete, easy-to-use and scalable module — in just 8 weeks.
Worklife: launch 3 strategic offers in 4 months to accelerate monetization and prepare for scale-up
Transformation of an MVP into a structuring product, multi-provider integration and back-office automation to support Worklife's growth.
Qonto: Launch an invoicing module in 6 weeks that generates immediate growth
Swan: create a capital deposit API in 4 months that accelerates customer acquisition
.svg)
.svg)
