“Can a single API become the embedded-lending backbone for every European B2B platform, from micro-business cash advances to enterprise term loans?”
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.
Finmid moves money over SEPA.
Finmid's cards are issued through Marqeta.
The Embedded Finance Index 2026 maps 3 layers in Finmid's stack: Money movement (SEPA); Card issuing (Marqeta); Lending (Cash Advance (up to €1M, 12 months, revenue-based), Term Loan (up to €5M, 12 months, revenue-based) and Business Loan (up to €5M, up to 5 years, fixed or flexible)).
Finmid is founded in 2021 and headquartered in Berlin, Germany.
Finmid has raised ~€52M in total (latest round: Series A extension, 2026; valuation: €100M post-money (2024)).
Get a read on where your own stack stands against Finmid and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.