finmid

We provide embedded lending infrastructure that lets software platforms offer financing products to their business customers. Our service covers over 30 European markets, including the EU, UK, and Switzerland. With a single integration, platforms can launch and scale lending without dealing with multiple providers or complex regulations.

We offer three main lending products:

• Cash Advance: Pre-approved advances up to €1M with terms up to 12 months and flexible, revenue-based payments.
• Term Loan: Pre-approved loans up to €5M with terms up to 12 months and flexible, revenue-based payments.
• Business Loan: Pre-approved loans up to €5M with terms up to 5 years, with options for fixed or flexible repayments. These solutions work for various businesses, like restaurants, landlords, and e-commerce sellers.

Our underwriting process is platform-driven. We use portfolio-based assessment and real-time sales data instead of traditional credit scores. This approach results in up to 90% eligibility and dynamic pricing based on risk. The user experience is designed for high conversion: customers don’t need to apply, can accept financing in 3 clicks (under 5 minutes), and receive payouts within 24 hours. Integration options include a 1-day pilot with subdomain hosting, a 5-day embed using an iframe, or a 10-day API integration for custom experiences.

Platforms using us have seen significant benefits: a 31% revenue increase from customers placing larger orders after financing, a 45% sales increase for financed customers within six months, and an 88% improvement in retention as customers return for more funds.

We see ourselves as builders, focused on solving complex problems. Our goal is to make capital more accessible in the future by building infrastructure that supports global business growth. We do this by listening and collaborating to help platforms grow.

We are a team of 11-50 employees. Our work environment is flexible and distributed-first. We consider ourselves ‘builders at heart,’ who are ‘nerdy, relentless, and obsessed with solving hard problems.’ We emphasize collaboration across all functions, including Sales, Design, Customer Success, and with our founders.

We offer 30 vacation days per year and maintain a flexible, distributed-first work culture. While we have a physical office in Berlin for those who prefer working in-person, our employees also get to join regular team off-sites across the EU and have access to WeWork offices worldwide.