Company: Prestatech
Co-Founders: Christian Nothacker (CEO) and Luca Terragni (CRO)
Website: https://www.prestatech.com/
About Prestatech
Prestatech is a credit intelligence platform that uses bank account data and document automation to help banks and lenders make smarter, faster, and less risky lending decisions.
We were part of the first generation of digital SMB lenders in Europe, selling our previous startup, Prestacap, to DEPObank and then reacquiring the technology and pivoting to become an intelligence layer as Prestatech.
We entered the market as founders from the other side of the fence—Prestatech was built by a team that had originated loans, managed portfolios, dealt with defaults and learned first-hand which data signals actually matter when capital is at risk. We lived the very problems that we set out to solve.
Our platform has three core capabilities: automated ingestion and data extraction with automated fraud checks of financial documents such as bank statements and tax returns; enrichment of raw transaction data with behavioral signals and categorization; and real-time cash-flow credit scoring and analytics—covering more than 50 financial and behavioral KPIs—based on actual income and expenditure patterns rather than historical bureau data.
Our solutions improve both growth and risk control, addressing two top priorities for banks: growing thin files and SMB loans, and strengthening profitability. Specifically, because of our insights and analytical capabilities, we are able to uncover healthy borrowers that may otherwise be rejected—for one Tier 1 bank, this turned out to be 20% of borrowers it had either rated poorly or not scored at all. Because our platform picked up on the more accurate signals, we found that this 20% of borrowers actually had strong cash flow and solid repayment capacity. Ultimately, we unearthed a significant number of lending opportunities that the bank had been sitting on without realizing.
Conversely, our scores have also better mitigated risk. We have flagged borrowers that a bank has rated as performing, finding that the opposite was the reality: they were below 40 (out of 100), meaning the cash flow data was already showing distress. Three months later, the bank reclassified them as non-performing—we caught the defaults long before they showed up in the bank’s delinquency numbers.
We have established great relationships with institutions across Europe and the US, with notable clients such as Intesa Sanpaolo, Banca Aidexa and Facile.it in Italy; Sennder and Vermieterwelt in Germany; and Aqeel Finance in the US.
Designing a highly accurate categorization engine in multiple languages was a core challenge, but definitely rewarding, too.
Our cash flow scores have been used by banks to develop an internal rating that is supervised by the ECB for better ratings, optimized risk-weighted assets and more efficient lending.
To date, we have categorized 40 billion transactions, scored more than four million counterparts, and detected over 40,000 counterfeited or manipulated documents.
One of our highlights is being named in CNBC’s World’s Top FinTech Companies in 2025. We have also been selected for competitive accelerator programs in 2025: German Accelerator, Innovit, as part of cohorts of highly promising European start-ups to enter the US market.
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