PEAC Solutions Acquires German Fintech Startup Topi

Founded in 2021, Berlin-based topi provides a fully digital subscription and rental platform that enables retailers and manufacturers to offer IT hardware, such as laptops and smartphones, on flexible terms to business customers. Its API-first solution integrates directly at the point of sale across e-commerce, telesales, and physical retail.

Through this acquisition, PEAC Solutions plans to fast-track its digital transformation and strengthen its position in the Hardware-as-a-Service (HaaS) space, a growing area as more businesses shift toward subscription-based models over upfront purchases.

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"The continued transformation of our industry towards ‘as a service’ based subscription models is undeniable,” said William Stephenson, Global CEO of PEAC Solutions. “We are confident that this strategic acquisition of topi will be a massive differentiator for PEAC Solutions. It will allow us to deliver an innovative solution to our partners and customers, and it will play an integral role in the ambitious growth strategy that we have for the technology sector and other target markets.”

PEAC Solutions did not disclose the financial details of the deal but confirmed that topi will remain based in Berlin and continue serving its existing customers across Germany, Austria, the Netherlands and Belgium. Moving forward topi will operate as a subsidiary under the PEAC Solutions umbrella.

“We are excited to join the PEAC Solutions family,” said Charlotte Pallua, CEO and co-founder of topi. “By combining Topi’s innovative and easy-to-use tools with PEAC Solution’s financial strength, specialised market knowledge and network, I am confident that we will deliver even more value to OEMs, resellers and business customers.”

The acquisition reflects the rising demand for Hardware-as-a-Service (HaaS) models, which enable businesses to lease IT equipment with bundled support, offering flexibility, cost efficiency and regular tech upgrades.

For PEAC Solutions, which operates across North America, Europe, and the UK, this move strengthens its offering for equipment manufacturers, resellers, and distributors. The company has been actively expanding its digital finance tools and sees tech-driven markets as key to its growth strategy.

By integrating Topi’s platform, PEAC aims to offer embedded finance directly at the point of sale, a fast-growing trend as fintech merges with traditional finance. PEAC also plans to work closely with OEMs and channel partners to roll out these capabilities globally.

Topi will continue to operate independently for now, but the partnership opens doors to PEAC’s global resources and funding paving the way for expansion beyond its current markets in the DACH and Benelux regions.

Founded by Charlotte Pallua and Estelle Merle, topi is part of a new generation of European fintechs tackling inefficiencies in B2B financing, with a focus on serving SMEs and mid-sized businesses.

About Topi

Topi offers businesses of all sizes a simple way to rent IT hardware and accessories on a monthly basis, rather than purchasing them outright. Their digital platform provides easy access to essential equipment from trusted retailers, making renting convenient, flexible and budget-friendly for freelancers, start-ups, SMEs and larger organisations alike.