The Belgian fintech Husk tackles a gray area of finance startup, namely credit management in the hypercroissance phase. While the majority of young shoots hardly access flexible payment solutions for lack of banking history, Husk offers a platform that combines corporate cards with integrated credit, real -time visualization of financial flows, and dynamic scoring model. All thought about companies that grow faster than they structure their finance function.
Rather than relying on past balance sheets, Husk technology continuously analyzes banking flows, expenditure behavior and business signals. This alternative scoring, developed with the support of the Flemish agency Vlaio, makes it possible to grant lines of credit from the first weeks of activity. The cards are connected to the company’s bank accounts and the ceilings automatically adjusted according to the data collected.
A platform designed as infrastructure
The platform combines emission of physical and virtual cards, real -time monitoring functions, alerts on expenditure anomalies and accounting integration. An artificial layer of intelligence makes it possible to interpret the flows, answer the financial questions of the teams and project the health of the company. Unlike numerous prepaid card solutions, Husk incorporates a deferred credit mechanism, so payments are made immediately, but refundable at 30 days.
This positioning opens up a space still little occupied on the European market. While actors like Spendesk, Pleo, Payhawk or Qonto focus on spending management or conventional banking services for SMEs, Husk addresses a specific segment, post-sex startups, fast, but still too young to access traditional credit. Its real -time scoring offers an agile financing capacity, controlled by flows rather than balance sheets.
A strategic bet on an intelligent debt
In a post-zirp environment where the debt becomes a complex arbitration, Husk is part of a fundamental movement by providing non-dilutive alternatives with equity funding. The credit embedded in the cards becomes a short -term cash management tool, both discreet, controlled and integrated into daily operations. The economic model, hybrid, is based on both the interchange commissions generated by the use of cards, and on a SaaS subscription giving access to advanced analysis tools. The basic offer remains free.
Technical architecture is based on structuring partnerships, notably with Stripe, which provides card emission licenses in Europe, the United Kingdom and the United States, while Mastercard supports the development of the card program. This regulatory base allows Husk to envisage rapid development in Europe, without recreating a local infrastructure in each country.
A competitive but fragmented market
The European landscape of corporate cards is dense, but still fragmented. B2B neobancs like Qonto or Finom focus on banking management. Spend Management platforms like Spendesk, Pleo or Payhawk are targeting mature SMEs with control and reporting tools. Husk stands out on several structuring points:
- A real -time data scoringwithout the need for banking history
- A integrated credit at cards, delayed 30 days
- A customizable platform To develop a tailor-made card program
- A Early-Stage positioningwhere the other actors move to Mid-Market
This positioning allows Husk to capture a still poorly addressed population and under-priced in Europe, with more than 300,000 potential startups.
Husk’s fundraising, in the amount of one million euros in pre-seed, brought together a panel of players specializing in supporting young companies with high technological intensity. The tour was carried out with the support of the international acceleration program Techstarsknown for its expertise in structured Early-Stage. It was supplemented by the funds Birdhouse Ventures And Newschool.vctwo Belgian structures active on the native early and digital segments, as well as by several business angels.
