finmid
finmid provides a unified API that lets B2B software platforms embed lending products directly into their offerings, enabling their small and medium business customers to access financing. The platform offers cash advances up to €1M and business loans up to €5M, with underwriting, capital provision, and regulatory compliance handled centrally across 30+ European markets. Customers can accept pre-approved offers in a three-click flow that takes under five minutes.
- Financial Technology
- Software Only
- Enterprise Software
Funding
Raised to date
€75MRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Est. $81.8Macross 3 rounds
MMT€17M · Series A Extension
Announced Oct 2026
Disclosed cumulative: $81.8M
Founders
Product
Problem
Small and medium-sized businesses—particularly those operating within software ecosystems like marketplaces and vertical SaaS platforms—often struggle to access working capital from traditional banks due to lengthy approval processes, low approval rates, and high fees. This limits their ability to grow, invest in equipment, or manage cash flow fluctuations, while the platforms serving them have no easy way to offer financing without taking on significant regulatory and credit risk.
Solution
Finmid offers a unified API that lets B2B software platforms embed lending products directly into their products, enabling them to provide financing to their customers using existing platform relationships and real-time data. The company provides two main products: cash advances up to €1M with revenue-based flexible payments for smaller businesses, and business loans up to €5M with fixed or flexible repayments for larger enterprises. Finmid handles all capital provision, credit risk assessment, and regulatory compliance across 30+ European markets, so platforms can launch a fully brandable financing solution without becoming a bank or juggling multiple providers. The platform uses data-driven underwriting to maximize customer eligibility and delivers offers through a three-click flow that takes less than five minutes, with no separate loan application required.
Target Audience
Finmid primarily targets B2B software platforms—including marketplaces, vertical SaaS companies, and delivery platforms—that want to offer embedded financing to their small and medium business customers, such as restaurants, landlords, e-commerce sellers, and recycling facilities.
Features
- Single API integration for embedding lending products into existing platforms, with pilot setup in one day and hosted subdomain deployment
- Cash advance product: pre-approved advances up to €1M, terms up to 12 months, with flexible payments based on revenue
- Business loan product: pre-approved loans up to €5M, terms up to 5 years, with fixed or flexible repayment options
- Platform-driven underwriting engine that leverages platform data to maximize eligibility and unlock financing for a wider customer base
- Dynamic risk-based pricing that gives every customer a personalized offer
- Fully brandable, white-label user experience with a 3-click offer acceptance flow completing in under five minutes
- Regulatory compliance handled centrally, enabling operations across 30+ European markets without local licensing per jurisdiction