European
spend management platform Pleo has joined forces with Berlin-based fintech
lemon.markets to roll out an investment account feature for German business
customers, allowing companies to put surplus cash into low-risk money market
funds.

Pleo Teams With
lemon.markets for Business Investment Tool

The new
“Pleo Investment Account” lets businesses invest idle cash directly
through Pleo’s existing interface, earning returns on funds that would
otherwise sit in low-yield accounts. Companies can access their money the next
business day, maintaining the flexibility of a regular cash account while
generating higher returns.

The
partnership taps into what the companies describe as a €2 trillion opportunity
across Europe, where 26 million small and medium businesses hold deposits that
generate minimal returns. Most of these funds remain parked in traditional
accounts despite potentially better investment options.

“With
‘Pleo Investment Account’, we’re enabling our customers to put their idle cash
to work, earning yield without interrupting their existing workflows,”
said Amit Kahana, VP of Credit and Treasury at Pleo.

How It Works

The
investment process works through lemon.markets’ API infrastructure, which
handles everything from customer onboarding to trade execution and regulatory
compliance. Business customers set up accounts through a digital process within
the Pleo app, then allocate cash that gets automatically invested in money
market funds.

Max Linden,
founder and CEO of lemon.markets, described the launch as an example of
embedding investment capabilities directly into business tools companies
already use daily. “We are proud to partner with leading Fintechs like
Pleo as we scale,” he said.

Growing Demand for
Embedded Finance

This marks
lemon.markets’ second major partnership in the business treasury space,
following a similar collaboration with banking provider Holvi. The deals
highlight growing interest among fintech companies in offering embedded
investment products that help businesses optimize cash management.

Pleo, which
raised $150 million in Series C funding in 2021 at a $1.7 billion valuation,
serves over 40,000 businesses across 16 European markets with expense
management and financial workflow tools. The Danish company has been expanding
beyond its core spend management platform into broader financial services.

lemon.markets
operates as a brokerage-as-a-service provider, offering banks and fintechs
access to capital markets through a single API. The company has previously
partnered with major financial institutions, including BNP Paribas and Deutsche
Bank, and recently expanded into employee stock compensation programs through a
collaboration with Optio Incentives that serves DAX-listed companies.

Founded in
2020, lemon.markets has raised over €28 million from investors including
CommerzVentures and Creandum. The company became part of the dwpbank Group in
August 2025, gaining access to a platform that manages over €2.2 trillion in
assets under custody.

This article was written by Damian Chmiel at www.financemagnates.com.

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