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Finto

AI-powered invoice-to-pay lifecycle automation

Entrepreneur in Residence

Full-Time
€60k - €80k/yr
Mid
Munich, Germany
In PersonFive days per week in the office in Munich.
Solution EngineeringImplementation & Technical Account Management

About the job

Requirements
  • Experience building something from scratch and taking responsibility for its outcome.
  • Ability to work through ambiguity without detailed instructions.
  • Ability to understand software architecture, build prototypes, and work with modern artificial intelligence and large language model tools.
  • Familiarity with Node.js, TypeScript, and integration-heavy systems.
  • Experience working at startup speed, such as as a founder, early engineer, forward-deployed engineer, or in a Founder’s Office or Chief of Staff role.
  • Ability to communicate clearly in German and English.
  • Willingness to take on more responsibility while growing in the role.
Responsibilities
  • Own important customer engagements from discovery through delivery, join technical conversations, clarify requirements, and act as the CTO’s delegate where agreed.
  • Turn recurring customer needs into clear input for the product roadmap.
  • Turn open questions into specifications and prototypes; evaluate whether to build, buy, or integrate; research technical options and recommend a course of action.
  • Remove friction from engineer onboarding, permissions, tooling, and internal infrastructure.
  • Build secure, self-service workflows that help engineers work effectively.
  • Test new artificial intelligence tools and workflows across Finto, measure whether they improve speed or quality, train the team on useful applications, and introduce appropriate guardrails.
Desired Qualifications
  • Experience with ERP integrations, fintech, developer tooling, or customer-facing technical work is helpful but not required.

About the company

Finto builds AI agents that automate the invoice-to-pay lifecycle for mid-market and enterprise finance teams. The product integrates with SAP, Microsoft Dynamics, Oracle NetSuite and DATEV to automate document classification, invoice data extraction, three-way matching, account coding and approval workflows. It runs on GDPR-hosted European infrastructure and emphasizes high data extraction accuracy. The company’s model of operation is to deploy AI-powered automation that interacts with existing ERP and accounting systems to handle end-to-end invoice processing without manual intervention. Finto differentiates itself by its deep ERP integrations, European data footprint, and focus on enterprise-scale automation, using YC-backed seed funding and a European go-to-market strategy. Its goal is to scale its European presence and deployment, helping large finance teams streamline approvals, matching, and payment execution across the invoice-to-pay cycle.

Company Size

11-50

Company Stage

Seed

Total Funding

$3.5M

Headquarters

Munich, Germany

Founded

2025

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Simplify's Take

What believers are saying

  • July 2026 seed from Lightspeed, Gradient, and YC supports European expansion.
  • Munich-based enterprise buyers reduce sales friction for SAP-heavy mid-market accounts in 2026.
  • Active customers and continued hiring indicate product-market pull beyond demo interest.

What critics are saying

  • SAP, NetSuite, and DATEV can bundle adjacent automation before Finto scales in 2027.
  • A single extraction or posting error triggers finance distrust, blocking deployment at enterprise customers.
  • $3.4M seed funds a thin runway; YC-backed rivals can outspend Finto on GTM.

What makes Finto unique

  • Finto targets invoice-to-pay, not just invoice capture, across SAP, Dynamics, and DATEV.
  • YC 2025 and Munich give it Silicon Valley credibility plus European enterprise proximity.
  • Arminia Bielefeld and Eat Happy Group validate early adoption in German finance teams.

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Benefits

  • Paid Vacation

Growth & Insights and Company News

Headcount

6 month growth

-8%

1 year growth

-8%

2 year growth

-8%
Tech.eu
Jul 8th, 2026
Finto raises $4.3M for AI accounting agents, picks Munich over Silicon Valley

German startup Finto has raised $3.4 million in seed funding from Y Combinator, Gradient, and Lightspeed after completing YC's San Francisco programme. The company, which builds AI agents for accounting tasks, has chosen to base itself in Munich rather than Silicon Valley. Finto's software autonomously handles invoice verification, account coding, and purchase-order matching, integrating with SAP, Microsoft Dynamics, and DATEV. The startup counts German football club Arminia Bielefeld and Cologne-based Eat Happy Group among its customers. Co-founder and chief executive officer Jonas Morgner said Munich offers access to talent through Technical University of Munich, proximity to European customers, and closeness to enterprise software companies like SAP. Before founding Finto in 2025, the executive team held leadership roles at Tacto and TradeLink, which raised over $75 million from Sequoia, Index Ventures, and Insight Partners.