Pomegra
Brussels startup Chift has closed a €10.5 million Series A led by BlackFin Capital Partners, funding a push into more European markets and AI-driven integrations.
Key Takeaways
- Chift raised €10.5M in Series A funding on September 14, 2026, led by BlackFin Capital Partners.
- Revenue has grown more than tenfold since its €2.3M seed round in 2024; valuation is undisclosed.
- More than 150 software vendors use Chift to reach over 50,000 SMEs.
Lead
Chift, a Brussels-based provider of financial connectivity infrastructure, announced on September 14, 2026 that it raised a €10.5 million Series A. BlackFin Capital Partners led the round. Existing backers Entourage, Shapers, Seeder Fund and Wallonie Entreprendre also participated. The company did not disclose a valuation.
Total funding now stands at €12.8 million, counting the €2.3 million seed round closed in 2024. Chift plans to spend the new capital on expansion into additional major European markets and on AI features, including integrations that configure themselves with less manual setup.
What Does Chift Actually Do?
Chift sells a single unified API that lets software vendors connect their products to more than 120 financial systems. Those systems cover accounting, invoicing, point-of-sale, e-commerce, payments and property management tools. A vendor builds one integration to Chift instead of writing and maintaining dozens of separate connectors to each tool its customers use.
The company was founded in 2022 by Gauthier Henroz, who serves as CEO, and brothers Henry Hertoghe and Matthieu Hertoghe. It employs 35 people. Its customers include Revolut, Qonto, Pennylane and Mollie, and more than 150 software companies use the platform to serve over 50,000 SMEs across more than ten European countries.
Why Are Investors Backing Financial Connectivity Now?
Investors are backing it because European SME finance is fragmented by country, and regulatory and technology shifts are increasing demand for integrations. Henroz framed the thesis in terms of two forces: AI and e-invoicing are rebuilding the financial software market, and interoperability has become the central problem for European SMB finance.
BlackFin's investment director, Pauline Brunel, made a similar point from the investor side. Financial data connectivity is hard to build, particularly in Europe, she said, and that difficulty is what makes Chift's position valuable. Mandatory e-invoicing rules in several European countries mean more software vendors need reliable access to their customers' accounting data, and few want to build that plumbing themselves.
How Does the Round Compare With the Seed?
The Series A is roughly 4.5 times the size of the €2.3 million seed, and it arrives after revenue grew more than tenfold. The company has not published absolute revenue, so the multiple is hard to read. Growth from a small base is easier to achieve than growth from a large one.
The funding sits in the mid-range for a European infrastructure Series A. Continuity in the cap table matters here: all four existing investors returned, and Wallonie Entreprendre, a regional public investor, remains on board alongside a specialist fintech fund taking the lead.
Who Is Chift Up Against?
Chift competes with Codat, based in London, and Merge.dev, both of which also offer unified APIs for financial and business software. Its pitch is depth in European systems, including local accounting packages and regional payment and point-of-sale tools, rather than global breadth. That focus is defensible only if coverage stays ahead of what vendors can build themselves. It also has to hold against larger rivals that could add European connectors.
The company says its platform reaches financial systems across 27 countries, though its customer base is concentrated in a smaller group of markets. The expansion plan is designed to narrow that gap.
What Comes Next for Chift?
Chift's next test is converting a technical position into durable revenue as it enters more countries. Each new market requires local connectors, local compliance knowledge and vendor relationships. The AI plan is equally concrete: connecting AI products that need financial data, and building integrations that set up with less human effort.
If self-configuring integrations work, they would cut onboarding costs for both Chift and its customers. If they do not, the company still has a functioning connector business with recognizable clients. The main risks are competition from better-funded unified API providers and the possibility that large customers eventually build the most important integrations in-house.
Outlook
Chift enters its next phase with €10.5 million, a lead investor specializing in financial services, and a customer list that includes several of Europe's best-known fintechs. Valuation and absolute revenue remain undisclosed, which limits outside assessment of the round. The next 12 to 18 months will show whether the European focus and AI-driven setup can hold against global competitors.
