← Embedded Finance Index 2026

Tilta

“Can a white-label BNPL/purchase-finance layer become the default working-capital rail for B2B marketplaces in Europe?”

Founded2022
HQBerlin, Germany
Total raised$4.32M
Latest roundSeed
IndustryInfrastructure / Lending

The story

Tilta Fintech was founded in 2022 in Berlin as a white-label embedded purchase finance infrastructure for B2B eCommerce marketplaces, offering BNPL, pay-by-invoice, and 30/60/90-day terms at checkout. The company launched its greenfield lending platform on Mambu in 2023 using a revenue-share model that lets marketplaces earn on every financed transaction. Not to be confused with Tilta Technology Co. Ltd., the Shenzhen-based cinematography equipment manufacturer that owns tilta.com and eu.tilta.com — this analysis covers the fintech at tilta.ai only.

Last 12 months

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Product timeline

2022

Tilta Fintech founded in Berlin to build white-label embedded purchase finance infrastructure for B2B marketplaces.· pivot

2023

Launched its lending solution on Mambu's cloud banking platform, going live in a greenfield environment in 6-8 weeks.· lending

The stack

2 layers disclosed in Tilta’s embedded-finance stack

Money movement

Wire

Lending

in the full report

Accounting gap: minor

6 more providers across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Tilta — frequently asked

Which payment rails does Tilta use?

Tilta moves money over Wire.

Who provides Tilta's lending?

Tilta's lending and capital products are provided by Mambu.

What is Tilta's embedded finance stack?

The Embedded Finance Index 2026 maps 2 layers in Tilta's stack: Money movement (Wire); Lending (Mambu, White-label embedded purchase finance for B2B marketplaces, Buy Now Pay Later (BNPL), Pay by Invoice and 2 others).

Where is Tilta headquartered?

Tilta is founded in 2022 and headquartered in Berlin, Germany.

How much funding has Tilta raised?

Tilta has raised $4.32M in total (latest round: Seed).

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