Meet Alban Aliome, CEO & Founder of Fincargo

Tell us more about Fincargo

Fincargo is an AI-powered invoice-to-cash platform for the transportation industry, combining compliant e-invoicing and e-waybill with integrated factoring to accelerate payments, improve liquidity, and reduce cash cycles across Europe.

Please give some more details of your startup story: what was the “aha” moment that led to the idea for your startup?

After leading large digital transformation programs in the supply chain industry, I later worked in payment solutions. The “aha” moment came from realizing that logistics companies could drastically reduce DSO by combining fiscally compliant invoice digitalization with seamless invoice purchasing on a single, multi-tenant platform.

So, what’s next for you, what’s a bold goal you’re chasing right now?

After just one year, we have grown to 15 collaborators and operate as a formal, globally capable e-invoicing access point. Our bold goal is to build Europe’s first true invoice-to-cash platform for transport and logistics and to become the category leader as mandates accelerate.

Which decision had the most unexpected positive impact on your startup?

Building a small, highly senior, and cross-functional team instead of scaling headcount quickly had an outsized impact. It allowed us to move faster, make better decisions, and ship a production-grade platform early.

How did you build your team, and what helps you maintain your startup culture?

We built the team by prioritizing strong hard skills and a true finisher mindset. Most members came through the founders’ trusted networks, complemented by a few fortunate encounters along the way. What sustains our culture is ownership, execution discipline, and mutual trust.

If you could do it all over again, what would you do differently? What are your biggest learnings?

Our biggest learning is that the way matters as much as the destination. Moving fast, staying agile, and learning continuously proved more valuable than trying to optimize everything upfront. Looking back, we would not change the path. We would follow it with the same intensity.

Building a startup requires resilience, how do you stay focused during tough times?

During tough times, we stay focused by anchoring decisions in execution and customer impact. Breaking challenges into concrete actions, celebrating small wins, and staying close to users keeps momentum and perspective.

One piece of advice for someone who is just starting out with their startup?

Focus relentlessly on solving a real problem, not on building a perfect product. Move fast, listen to users early, and execute consistently. Momentum comes from learning and delivering, not from waiting for certainty.

What’s your outlook on the future of the Swiss startup scene, and how can it compete internationally?

Switzerland combines world-class skills, a strong quality mindset, and a unique position at the heart of Europe. Its ability to understand diverse markets and cultures gives startups a real edge. Even outside the EU, Swiss startups are well positioned to compete globally.

What value do you see in being part of the Swiss Startup Association?

The Swiss Startup Association provides a strong collective voice, trusted peer exchange, and access to experience across stages and sectors. Personally, it offers perspective and learning. Professionally, it strengthens credibility, connections, and Switzerland’s ability to compete internationally.

Is there anything else you would like to share with us?

Building in Switzerland offers a rare mix of rigor, trust, and openness. Sharing experiences, successes as well as failures, makes the ecosystem stronger. Collaboration across startups, corporates, and institutions is how we scale impact beyond borders.

Follow Alban on LinkedIn!