In a previous article, we already listed the three most popular Fintech apps for individuals at the start of this year. But what about Fintech apps for businesses in 2025?
While these financial apps continue to gain traction, there are several that stand out among businesses, with numerous AI-powered automation features.
So, whether you're a small business owner or a financial manager, these four apps are essential for simplifying financial management, optimizing your business expenses, and facilitating access to financing.
Qonto: a neobank designed for modern businesses
Qonto, the French neobank for SMEs, has quickly become a benchmark in business bank accounts. Why such success? Simply because Qonto specifically meets the needs of French entrepreneurs by offering a fully online bank account, opened in minutes, as well as configurable physical and virtual Mastercard cards.
Its greatest asset lies in its ease of integration with your accounting tools, its intuitive management of professional expenses, and its integrated financing and invoicing solutions.
Qonto has also integrated AI into its Regate by Qonto platform to automate bank reconciliation and accounting entries. AI automatically matches each transaction to the correct accounting codes and extracts information from invoices and receipts to pre-populate accounting entries, reducing manual tasks and errors.
Qonto also continues to innovate with features such as B2B split payments, confirming its leading position in financial management for French SMEs.
Spendesk: finally simplify your business expenses
Spendesk has won over French businesses by completely reinventing business expense management. This innovative platform eliminates the traditional complexity of expense reports and team purchases with personalized payment cards, automatic receipt capture, and simplified expense validation.
Spendesk thus offers companies absolute control over budgets thanks to its real-time dashboards.
By creating its own payment institution with Visa, Spendesk now offers a complete cycle, from purchase request to supplier payment, which attracts more and more companies seeking efficiency and transparency.
This B2B expense management solution also integrates AI to automate receipt capture and expense report entry. AI automatically extracts amounts and VAT from receipts, generating corresponding expense reports and offering automatic accounting allocations, which speeds up book closing and reduces administrative tasks.
Swile: the champion of digitalized employee benefits
Swile, a specialist in French employee benefits, is transforming the employee experience with a single card that combines meal vouchers, gifts, expense reports, and more. Following the acquisition of Bimpli, Swile now serves more than 80,000 corporate clients and reaches nearly 5.5 million users.
In 2024, Swile is confirming its leading position in the French digital benefits market with a 34% market share. Its profitability achieved by the end of 2023, combined with 25% revenue growth in the first half of 2024, makes it a solid and sustainable player.
With more than €300 million raised and the support of major investors like SoftBank, Swile has established itself as a pillar of HR digital transformation, and continues to innovate with new services like Swile Travel for business travel management.
Swile also uses AI to automate expense report management via its corporate card. Employees can photograph their receipts, and AI extracts relevant information to automatically generate expense reports, simplifying the process for users and HR teams.
Alan: Reinventing Health Insurance for Businesses
Alan, French digital health insurer, has set itself the mission of simplifying health insurance for French businesses and their employees. By 2024, the startup covers 700,000 policyholders from over 32,000 corporate clients. Its all-in-one solution integrates mutual insurance, life insurance, mental well-being, and even telemedicine.
With 48% annual revenue growth and nearly €505 million in ARR (annual recurring revenue), Alan is moving closer to profitability while continuing its expansion in Europe and Canada. In 2023, it raised €173 million, bringing its valuation to €4 billion.
Its adoption by major public clients such as the French Prime Minister's office strengthens its credibility, while the integration of AI into its processes boosts its productivity and the quality of the user experience.
In 2024, Alan integrates AI with the launch of "Mo," an AI-powered virtual medical assistant. Mo instantly answers policyholders' medical questions, with validation by a doctor in less than 15 minutes, improving access to medical advice and user satisfaction.
Conclusion
In 2025, Qonto, Spendesk, Swile, and Alan will clearly dominate the B2B fintech scene in France. These four players perfectly illustrate the rise of digital solutions specifically designed for businesses, addressing concrete challenges in financial management, HR, and social security.
Their meteoric growth, adoption of AI, and impact on the daily lives of businesses make them fintechs to watch closely in the coming months.
To find out how to integrate these solutions into your financial process and then how to truly analyze their impact and performance, ask Blendy, English-speaking French CPA.
With Blendy, English-speaking French CPA take advantage of digital accounting to accelerate your financial process and develop your business.
Pennylane, Dext, QuickBooks and Stripe certified, we support digital, IT, e-Commerce, SaaS companies in France and internationally.