Pleo and lemon.markets launch treasury solution for German companies

Pleo, one of Europe's leading platforms for expense management, is expanding its offering to include a treasury product: the Pleo Investment Account. This is made possible by the collaboration with the Berlin-based FinTech lemon.markets, which provides the underlying brokerage and custody infrastructure. This allows business customers to invest surplus liquidity directly in low-risk money market funds via the Pleo platform.

2 trillion euros of unused liquidity at SMEs

In Europe alone, small and medium-sized enterprises (SMEs) hold deposits of over 2 trillion euros. However, a large proportion of this capital is sitting unused in accounts that earn little or no interest. This is precisely where Pleo's new treasury solution comes in. Customers can invest money in money market funds with just a few clicks and benefit from a better use of capital without additional effort.

Seamless integration into the Pleo app

The Pleo Investment Account is fully integrated into the existing Pleo app. The account is opened via a digital onboarding process, after which users can allocate amounts that are automatically invested in funds. The capital remains flexible: it is available the very next day with the liquidity of a business account.

lemon.markets provides the infrastructure

The solution is based on lemon.markets' API-first infrastructure, which covers the entire securities trading value chain, from onboarding and execution to custody, reporting and tax compliance. For Pleo, this means maximum control over the client experience with minimal integration effort.

With the 'Pleo Investment Account', we enable our clients to deploy their excess capital profitably - without adding complexity and without disrupting their existing processes.

Amit Kahana, VP Credit and Treasury at Pleo

Max Linden, founder and CEO of lemon.markets, also emphasizes the approach:"Together with Pleo, we have created a seamless customer experience that makes it easy for companies to invest excess liquidity and generate returns."

Embedded treasury solutions

Pleo is the next FinTech partner after Holvi to rely on lemon.markets. The move underlines the growing demand for embedded treasury and investment solutions for SMEs. lemon.markets is positioning itself as an enabler for integrated, scalable and regulatory compliant B2B financial technology solutions.

With this partnership, Pleo and lemon.markets are creating a simple way for German companies to use liquidity more efficiently, thereby tapping into a previously largely untapped potential worth billions.