“Can a Nordic beauty-booking marketplace become the full operational and financial OS for salon SMEs — embedding payments, lending, and accounting into a single vertical SaaS platform?”
Founded in 2015 as a last-minute beauty booking marketplace in Helsinki, Timma evolved into a full vertical SaaS platform (Timma Pro) serving hair, beauty and wellness professionals across the Nordics and Baltics. The company deepened its embedded finance layer by integrating Adyen for payments (Timma Pay) and subsequently Adyen Capital for SME lending, transforming from a booking aggregator into the financial and operational OS for Nordic salons. In 2024 Timma was acquired by EG, the Nordic vertical software group, signaling a consolidation play in beauty-vertical SaaS.
Timma processes payments through Adyen for Platforms and Adyen.
Timma uses Adyen for KYC and identity verification.
Timma's lending and capital products are provided by Adyen.
Timma integrates with Fiken and Tripletex.
The Embedded Finance Index 2026 maps 4 layers in Timma's stack: Payments / PSP (Adyen for Platforms and Adyen); Lending (Adyen and Adyen Capital (working capital advances for Nordic salons)); KYC (Adyen); Accounting (Fiken and Tripletex).
Timma is founded in 2015 and headquartered in Helsinki, Finland.
Get a read on where your own stack stands against Timma 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.