About Myos

Myos offers merchants a radically new way of financing working capital quickly and easily: focused on commercial products, AI and data-driven, without annuities or personal guarantees. The idea was born out of the personal working capital needs of befriended online merchants - and the resulting frustration with previous financing options.
A look back

Developed by merchants for merchants

In the beginning there was a befriended retailer who had difficulties to raise working capital for the growth of his online shop - despite good figures and visibility on Amazon.

Most banks or fintechs evaluate according to classical risk metrics instead of focusing on the products and their sales potential. What was missing was a solution that would meet the requirements of fast-moving online business and break new ground in risk assessment.

Shortly afterwards, at the beginning of 2018, Myos was founded: The world's first product-based financing for merchants.





> 60 mio. €

Trading volume financed

Our management

Our management team has over 40 years of experience in finance, tech and company building. With Myos as the world's first global product-based working capital provider, we are now breaking new ground together. We are using our disruptive, AI-based risk-scoring model as the cornerstone for this.

myos avatar nikolaus hilgenfeldt

Nikolaus Hilgenfeldt

CEO & founder
myos avatar benjamin schickert

Benjamin Schickert

CFO & founder
myos avatar frane bandov

Frane Bandov

myos avatar tim von hörsten

Tim von Hörsten


Rethinking trade finance together

We are a team of 30 colleagues who work with great commitment and passion every day to become even faster and better for you. We are a motley team with many different backgrounds and levels of experience. From working students to the "founding grandfather", everything is represented. And this is exactly what makes a young company like Myos, because this is the only way we can react agilely to changes and uncertainty in the market and use our expert knowledge and ideas to lead Myos and our customers to success!


Previously ...

March 18: Myos is launched

July 18: Go-Live with the Deutsche Handelsbank > first Loan in Germany

October 18: First Loan in Austria

December 18: Launch of the Myos Merchant Portal


February 19: Go-Live Myos 2.0 with the Raisin Bank and a more flexible credit model

Juni 19: Full digital KYC process

October 19: First Myos Meetup with Christian Otto Kelm

December 19: Financial statements 2019 with over 450% growth compared to the previous year

April 20: more flexible method of payment e.g. directly to the supplier

August 20: New support portal clarifying questions surrounding Myos

September 20: Winner of the FinTech Germany award in the category Early Stage

September 20: Digital signing of contracts is possible

October 20: New website


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