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finmid

Provider
Lending

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 16 companies across 1 category.

finmid.com ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗
CategoriesLending
Rank#9 of 254 in Lending
Buyers16 companies
HeadquartersBerlin, Germany
Founded2021
Raised~€52M

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Founders & story · from finmid’s own dossier

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.

Latest round: Series A extension, 2026
Recent developments
  • 2025-12Launched Term Loans and Business Loans products, completing the finmid Capital lineup. source ↗
  • 2024-04-01Raised €35 million; partnered with Wolt for merchant cash advances. source ↗
  • 2025-01-01Added 8 new countries (Austria, Cyprus, Czechia, Greece, Italy, Latvia, Lithuania, Slovenia), expanding embedded lending coverage to 20 nations. source ↗
  • 2025-05-26Partnered with food-delivery platform Glovo to embed lending. source ↗
Full dossier: finmid’s own stack, layer by layer →
In the press
embeddedfinancereview.com ↗
Coverage of finmid sourced from Embedded Finance Review — a content partner for this report. All articles are © their original authors; click any card to open the source.
◇ article2026-10-08
Skroutz and Bolt embed lending with finmid as it raises €17m
Skroutz and Bolt launch lending with finmid as it raises €17m: marketplace capital, fleet vehicle finance and 30 European markets.
Source · Embedded Finance Review ↗
◇ 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.
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.
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.
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?
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.
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.
Source · Embedded Finance Review ↗
Who uses finmid
16 companies disclose finmid in their stack
FREENOWMETYCLEWoltBoltYour.RentalsDelivery HeroGlovoSkroutzMyposFruProSoplayaready2order+4 more
Buyer mix · 16 of 16 classified
Marketplace / Food delivery · 5Marketplace / Two-sided · 5Vertical SaaS / Restaurants · 2Fintech / SMB banking · 1Marketplace / Gig economy · 1Marketplace / Mobility · 1Vertical SaaS / Real Estate · 1
EU · 14UK · 2
What the disclosures say
FREENOW
“finmid publicly lists FREENOW as a customer on its website (https://www.finmid.com/customers). finmid is a Berlin-based embedded lending infrastructure provider that enables platforms to offer pre-approved financing to their driver/merchant partners across 30 European markets.”
View source · finmid.com ↗
METYCLE
“finmid publicly lists METYCLE as a customer at https://finmid.com/. finmid is an embedded lending orchestration provider specialising in B2B working capital for marketplaces and platforms, confirming METYCLE offers embedded working capital through finmid.”
View source · finmid.com ↗
Wolt
“Wolt Capital product pages on merchant.wolt.com (Finland, Czech Republic) explicitly state: 'Access funding based on your sales achievement on Wolt through a partnership between Wolt and finmid – a leading business financing provider.' finmid publicly lists Wolt as a customer at finmid.com.”
Bolt
“finmid press release explicitly names Bolt Food and finmid as partners launching Bolt Food Finance in Latvia in August 2025, with revenue-tied repayment and pre-approval for active partners. https://finmid.com/blog/bolt-and-finmid-partner-to-launch-bolt-food-finance”
View source · finmid.com ↗
Your.Rentals
“finmid publicly lists Your.Rentals as a customer on finmid.com (TIER 1 known_customer_listing).”
Delivery Hero
“Delivery Hero Impact micro-site: 'Through an expanded partnership with financial infrastructure provider finmid, eligible restaurant partners across several European markets can now access fast, flexible financing...' Embedded Finance Review: efood Capital (Delivery Hero's Greek brand) launched with finmid offering up…”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent finmid? Claim this profile above to unlock your own full list.
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What finmid runs on · from its own dossier
The third-party providers finmid itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose finmid.
Card Issuing
Marqeta
Full dossier with evidence for each layer →
Alternatives to finmid

Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Affirm65 buyers →Klarna55 buyers →YouLend45 buyers →Mambu36 buyers →Stripe Capital33 buyers →Wisetack27 buyers →Liberis21 buyers →Afterpay16 buyers →
Share this rank

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Ranked #9 of 254 in Lending — Embedded Finance Index 2026
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<a href="https://www.embeddedfinanceindex.com/vendors/finmid?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/finmid.svg"
       alt="Ranked #9 of 254 in Lending — Embedded Finance Index 2026">
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finmid — frequently asked

Which companies use finmid?

16 companies are linked to finmid in the Embedded Finance Index 2026, through their own public disclosures or finmid's published customer list, including FREENOW, METYCLE, Wolt, Bolt, Your.Rentals, Delivery Hero, Glovo, Skroutz, Mypos, FruPro and 2 others.

What does finmid do?

finmid is an embedded-finance provider in Lending. It ranks #9 of 254 Lending providers by linked companies.

What are the alternatives to finmid?

The most-named Lending alternatives to finmid are Affirm (65 buyers), Klarna (55 buyers), YouLend (45 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).

Where is finmid headquartered?

finmid is founded in 2021 and headquartered in Berlin, Germany.

How much funding has finmid raised?

finmid has raised ~€52M in total.

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