topi
Overview
Topi is a Berlin-based fintech company founded in 2021 by Charlotte Pallua and Estelle Merle. The company specializes in API-based point-of-sale financing solutions, primarily catering to the IT hardware subscription needs of businesses. It allows retailers and manufacturers to offer flexible "Hardware as a Service" (HaaS) models to business clients. As of recent updates, Topi has raised approximately $104 million from investors such as Creandum and Index Ventures.
Recent Developments
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August 28, 2025: Topi was acquired by PEAC Solutions, a multinational finance platform, to enhance PEAC's online financial offerings and expand its footprint in the "Hardware as a Service" segment. Topi will continue its operations from Berlin, maintaining its existing customer base across Germany, Austria, the Netherlands, and Belgium.
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2025: The acquisition reflects a strategic move by PEAC Solutions to capitalize on the growing trend of subscription-based models over conventional capital expenditures.
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July 2025: Topi continues expanding its partnerships and has launched collaborations with various European retailers to integrate its subscription-based solutions, enhancing the hardware procurement experience for business customers.
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2024: Topi secured a debt financing round of $54.1 million led by Macquarie Bank, marking significant growth and setting the stage for further expansion ventures.
Company Information
| Attribute | Information |
|---|---|
| Founding Date | 2021 |
| Headquarters | Berlin, Germany |
| Founders | Charlotte Pallua, Estelle Merle |
| Revenue | |
| Profits | |
| Key Investors | Creandum, Index Ventures |
| Industry | FinTech, IT Hardware |
| Number of Employees | 35 (as of 2025) |
Early History
Topi's journey began in 2021 in Berlin, aimed at addressing business-to-business financing inefficiencies, particularly in the SME sector. Founded by Charlotte Pallua and Estelle Merle, Topi quickly recognized the shift towards subscription-based service models in IT hardware. The company launched its API-driven platform, enabling seamless integration with retailers' existing point-of-sale systems, thereby facilitating modern, flexible purchasing options for business customers.
Company Profile and Achievements
- Business Model: Topi operates on a B2B subscription model, offering retailers technological solutions to transform hardware acquisition into a service. Its platform supports e-commerce, telesales, and in-store environments.
- Achievements:
- Successfully secured multiple funding rounds, raising over $104 million.
- Developed strategic partnerships with IT retailers across Europe.
- Positioned as an innovative leader in the HaaS model, helping businesses transition from traditional buying to leasing and subscription services.
- Became a notable player in the fintech industry by offering integrated financing solutions that enhance cash flow and flexibility for businesses.
- Acquired by PEAC Solutions in August 2025, enhancing its market reach and operational capabilities.
Current Operations and Market Position
Topi currently operates in Germany, Austria, the Netherlands, and Belgium, focusing on integrating advanced finance solutions into business operations. The company's API-driven tools enable seamless hardware subscription services at retailers and manufacturers' points of sale, bolstering market adaptability in the B2B sector. With PEAC Solutions' backing, Topi aims to broaden its footprint, capitalizing on growing trends favoring subscription over ownership in technology procurement.
Conclusion
Topi stands as a leading innovator in the fintech and IT hardware subscription markets, bridging traditional buying with modern-day subscription services. The company's acquisition by PEAC Solutions marks a pivotal step in harnessing global market strengths, paving the way for strategic growth beyond its current operational territories. As businesses increasingly lean toward financial flexibility, Topi's offerings will likely play a crucial role in reshaping IT hardware procurement landscape.