APOERA VENTURES
Building and funding Ventures for the day after tomorrow
01 - Our Approach
How we create enduring Ventures
1
Experiment
We invest time and money into experimenting around new Models withPartners
2
Build
We build and fund our own ventures from zero to one - turning ideas into companies
3
Fund
We invest our own capital and bring in an investment network to our Ventures
02 - Current Portfolio
Our current Venture Portfolio of Startups & Experiments
WealthTech & SaaS
Fincite
A leading Wealth Management Platform used globally by Investment Advisors
and Wealth Managers.
Exit / Founder / Co-CEO until Feb 2026
WealthTech & SaaS
Harvest Groupe
Backed by TA Associates and Montagu to build a Pan-European Software Champion by merging local champions.
Active / Shareholder
Marketplace
TraFinScout / FIB
Providing Export financing to international manufacturers and setting up the Frankfurt International Bank.
Active / Shareholder
Marketplace
Ianua
Serving Family Offices with curated offers around Alternative Investments incl. Special deals, PE & VC
Active / Shareholder
Asset Manager
Leanval
Institutional Asset Manager providing Research and own Funds for Equities paired with technology.
Active / Shareholder
Financing
Captiq
Supplying German Kammerberufe (doctors, dentists) with access to credit via institutional investors
Active / Shareholder
Horizontal SaaS & AI
Companyon
A Financial Planning & Analysis Platform serving German Managing Directors as a virtual CFO.
Active / Co-founder & Shareholder
Asset Manager
Evergreen
Asset Manager for Retail customers providing a holistic offer for Retirement with digital experience and funds.
Active / Shareholder
Financial Infrastructure
GOIO Data
Consolidate Investment Account globally into one single unified view on the Wealth for Family Offices.
Active / Shareholder
Marketplace
Metalshub
Connecting buyers and sellers of metals on a market place and providing corresponding Software.
Active / Shareholder
Asset Manager
InVenture
Providing access to Venture Capital for affluent customer paired with a digital reporting platform..
Active / Shareholder
Marketplace
Firstwire
Financial Marketplace for communal and corporates to find the right fixed income financing product.
Exit / Shareholder
03 - About me
Ralf Heim
—
15+ years building and scaling software companies with 2 successful exits. Today: Growing a Portfolio of 12 Venture Startup as Investor and Company Builder.
My focus is on Intersection of Enterprise-grade Technology and regulated Markets. My Investment Hypothesis is around the huge leap Artificial Intelligence will bring to horizontal and vertical enterprise software and adjacent service models.
Based in Frankfurt. Born on Easter Island.
Building for the day after tomorrow.
Awards & Recognitions
German FinTech Entrepreneur of the Year 2025 (Bitkom & P&B)
FinTech Germany Award 2024 for Fincite
Golden Stevie Award 2016 for Best Startup and Management
Top 50 fastest growing Startups in 2018/2019 (Gründerszene)
FinTech Belgium Award 2022 for Fincite
4.6+ Score of all ventures
on Glassdoor & Kununu
04 - Content
Press & Content with perspectives
Blog - Featured Contributor
Money & Machines at payment & banking
Essays and thoughts on the future of Software, AI and Technology in the Financial Service Industry. What is the Status Quo of FinTech, WealthTech and what are the emerging topics?
Press/ Coverage on Ralf Heim Transition from operational role transition
Press/ Coverage on my transition out of my operational role at fincite
Press/ Article about winning the German FinTech Entrepreneur of the Year in 2025
Podcast/ Interview with André Bajorat and Ralf Heim on the future of Wealth Management
Press/ Article about fincite on the exit to TA & Montagu and the Merger with Harvest Group in Finanz-Szene
Press/ Fincite wins the FinTech Germany Award 2024 in the Category Startup of the Year
Interview/ Mit der FAZ mit Ralf Heim zum FinTech Standort Frankfurt
Interview/ with Ralf Heim on the future London at the Global WealthTech Summit
Podcast/ Ask me anything - Podcast mit Payment & Banking and Ralf Heim
Pitch/ Live Demo Session by Fincite at Finovate London
Interview/ with Ralf Heim in London at the Finovate Conference
Interview/ with Richard Doherty from FinTech Scaling on Growing into new Markets
Interview/ on the Development in Stock and Private Markets after Covid at Traders Weekend
Interview/ with the CEO Podcast on Growing and Scaling Companies
Interview/ with Frankfurt Main Finance zum FinTech Standort Frankfurt
Interview/ with Craig Iskowitz on the difference of WealthTech in US vs. Europe
Interview/ with Caspar Schlenk from Finance Forward about Ralf Personal Investing Style
Interview/ Portrait as "faces of FinTech" in Payment and Banking
Interview/ with Horvath & Partners on the Role of Technology in Bancassurance
Interview/ at StartUp Grind in Frankfurt on the challenges of founding and executing a FinTech
Interview/ In the Wall Street Lab with Andreas von Hirschhausen and Ralf Heim