Hapto

The embedded finance agent built into the tools SMEs already use, giving them access to the right financial services when they need them.

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Plugged into the tools SMEs already use

ERP and business management software
E-invoicing platforms
Cash management tools
Business banking apps
Fintech

Connected to best-in-class financial providers

Short-term financing
Invoice factoring
Insurance
Treasury management

Financial services, made available to businesses exactly when they need them.

Hapto connects Financial Services Providers (banks, fintechs, insurers and more) with the everyday tools businesses already run on (ERP platforms, e-invoicing tools, cash management software and business banking apps). Instead of searching for the right financial service, businesses are guided towards relevant, contextual offers directly inside their existing workflows.

I want to

protect against risk
invest my cash
protect my cash flow

Choose the right offer from our partner network.
Complete your business profile in just a few clicks.
Get your eligibility result within 24 hours.
Get a fast decision, sign online, and access your funds.

Our mission:

Bringing the right financial service to every business, at the right moment.

Financial Services Distributors

Offer financial services through a single integration

Discover

→ Strengthen your offering with a comprehensive, ready-to-go catalogue of financial services
→ Drive customer loyalty through personalised, contextual offers
→ Unlock new revenue streams
→ Stay fully compliant within a secure, regulated environment (GDPR, DORA, NIS2, AI Act)

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Financial Services Providers

Offer your services where businesses already are

Learn more

→ Reach 250,000+ SMEs
→ Receive pre-qualified opportunities matching your criteria
→ Cut acquisition costs through embedded distribution
→ Operate within a secure, fully compliant environment (GDPR, DORA, NIS2, AI Act)

Learn more

SMEs

Access financial services directly from the tools you already use

See it in action

→ See the financial services you’re eligible for, in one click
→ Receive competitive offers based on your real financial situation
→ Choose from a curated catalogue of trusted partners

See it in action

With Hapto

A comprehensive catalogue of financial services, designed to grow with SMEs’ needs

Short-term financing Working capital loans Invoice factoring Trade credit insurance Professional liability insurance Treasury management

Hapto presents every eligible service to SMEs: full transparency, no bias, no hidden ranking. Businesses see exactly what is available and choose their financial partner freely.

A financial ecosystem built on trust

Coordinated partners. Seamless journeys. Tailored products. Informed decisions.

Hapto brings together trusted partners with complementary offerings to create simpler, more coordinated financial journeys for SMEs. Every service is designed around real business needs.

Security and compliance. No shortcuts, no exceptions

→ Your data, handled responsibly: Data is never stored beyond what is strictly necessary. It is used solely to enable access to the financial services you select.

→ Built to meet regulatory standards: Designed to align with major regulatory frameworks (GDPR, DORA, NIS2, AI Act). High security standards, end-to-end.

→ Bank-grade infrastructure: Hapto is built on bank-grade security principles, with security by design from day one.

"Embedded finance needs an orchestration layer. We're building the conditions that give businesses real access to the financial services they need. That's Hapto's mission."

Philippe Marques, CEO and Co-Founder, Hapto

About us

Hapto was born from a simple belief: tomorrow's financial ecosystem must actively support the growth of SMEs across Europe. We are a fintech on a mission to transform how businesses access financial services. Hapto is 100% incubated by Sopra Steria, one of Europe's leading tech groups and a specialist in financial services.