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Moss

Fintech · Berlin, Germany · Founded 2019

Moss provides a technology-driven, holistic spend management platform designed to help small and medium-sized businesses (SMEs) in Europe streamline their financial processes. The company was founded in Berlin in 2019 by Ante Spittler, Anton Rummel, Ferdinand Meyer, Stephan Haslebacher, and Harald Wendel. The founders' vision was sparked by previous entrepreneurial experiences where chaotic financial operations nearly crippled their former business, creating a determination to build a solution to automate and simplify these workflows. The company's core offering is a modular platform that centralizes company spending, including corporate cards, invoice management, and employee reimbursements. Clients can issue unlimited physical and virtual corporate cards with built-in controls and spending limits, track expenses in real-time, and automate receipt collection. The platform's accounts payable module digitizes the invoice process from capture and approval to payment, utilizing AI to extract data and reduce manual entry. It also simplifies employee expense claims for out-of-pocket costs, mileage, and per diems through an automated workflow. Moss's business model is based on a flexible subscription service where clients can choose a base package and add advanced modules as they grow, such as procurement, advanced controlling, and AI-powered accounting. Moss launched in mid-2020, initially offering corporate credit cards for startups in Germany before expanding to serve the broader SME market. A significant milestone was the Series B funding round in January 2022, which raised €75 million, bringing the company's valuation to over €500 million. The platform integrates with over 40 common accounting/ERP systems like DATEV, Xero, and NetSuite, as well as HR systems, to create a connected financial tech stack. Serving over 7,000 businesses and processing over €7 billion in annual spend, Moss has expanded its operations with offices in Berlin, Amsterdam, London, Warsaw, and Tallinn. Keywords: spend management, finance automation, corporate cards, invoice management, expense reimbursement, accounts payable automation, fintech, SME finance, financial software, ERP integration, receipt capture, budget control, real-time tracking, AI accounting, procurement, business payments, European fintech, Ante Spittler, Berlin startup