← Embedded Finance Index 2026

Finmid

Also a provider — view Finmid’s profile →

“Can a single API become the embedded-lending backbone for every European B2B platform, from micro-business cash advances to enterprise term loans?”

Founded2021
HQBerlin, Germany
Total raised~$60M
Latest roundSeries A, 2024
Valuation€100M post-money (2024)
IndustryInfrastructure / Lending
The story

Founded 2021 in Berlin as a B2B embedded lending infrastructure provider, finmid emerged from stealth in 2024 with €35M+ in funding. Initially focused on revenue-based cash advances for SMBs through marketplaces like Wolt, the company expanded in late 2025 with Term Loans (up to €5M, 12 months) and Business Loans (up to €5M, 5 years) to address full-lifecycle financing — moving from micro-business cash advances to enterprise-grade term lending across 30+ European markets through a single API.

Last 12 months
2025-12
Product timeline
2021
Founded in Berlin to build embedded lending infrastructure for European B2B platforms and marketplaces.· pivot
2024
Emerged from stealth with €35M backed by Blossom Capital, Earlybird, and N26 founder Max Tayenthal.· banking
2024
Series A round at €100M post-money valuation; partnership with marketplaces like Wolt highlighted.· lending
2025
Launched Term Loans and Business Loans, completing the finmid Capital product line alongside the existing Cash Advance product across 30+ European markets.· lending
In the press
embeddedfinancereview.com ↗
Coverage sourced from Embedded Finance Review — a content partner for this report. All articles are © their original authors; click any card to open the source.
◇ article2026-06-23
Why Qred bought Liberis, and how finmid cracked Italy for myPOS
Qred buys into embedded lending with Liberis, and myPOS launches finmid lending for 90,000 merchants in Italy. Plus Adyen, Embat and Whistle.
finmidliberis
Source · Embedded Finance Review ↗
◇ article2026-06-19
myPOS embeds finmid lending for 90,000 merchants in Italy
myPOS and finmid launch embedded lending for 90,000 merchants in Italy, one of Europe's hardest markets for business lending.
finmid
Source · Embedded Finance Review ↗
◇ article2026-04-04
efood Launches Embedded Lending for Greek Restaurants with finmid
efood launches efood Capital with finmid, giving 21,000 Greek restaurant partners access to up to €30,000 in under 48 hours based on platform transaction data.
finmid
Source · Embedded Finance Review ↗
◇ article2025-12-08
Austrian POS provider ready2order launches embedded lending with finmid
Austrian POS provider ready2order launches embedded lending with finmid. Where does it sit between fintech and vertical SaaS?
finmid
Source · Embedded Finance Review ↗
◇ article2025-09-08
Bolt Food Launches Embedded Lending for Restaurants via finmid Partnership
Bolt Food partners with finmid to launch restaurant lending in Latvia, offering up to €30,000 with revenue-based repayment. European expansion planned for the embedded finance solution.
finmid
Source · Embedded Finance Review ↗
◇ article2025-01-27
Finmid extends lending coverage to twenty countries
Finmid expands embedded lending to 20 European countries across Eastern and Southern Europe. Why local lending regulations complicate expansion.
finmid
Source · Embedded Finance Review ↗
The stack
3 layers disclosed in Finmid’s embedded-finance stack
Money movement
SEPA
Card issuing
in the full report
Lending
in the full report
Accounting gap: minor
4 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.