Snapshot
Continue to About ↓- What it does
- finmid is embedded lending infrastructure that lets software platforms offer pre-approved financing — cash advances, term loans, business loans and vehicle financing — to their own business customers.
More detail
- Underwriting uses the platform's live performance data, and the platform does not itself act as lender, with coverage across EU27, UK, Switzerland and Iceland.
- Best for
- Marketplaces, vertical SaaS and mobility platforms with business customers across Europe that want to add financing as a revenue and retention lever without becoming a lender or managing regulatory complexity.
- Pricing
- Platform-side pricing, revenue share and interest spread for Capital products are not publicly disclosed and are discussed via a demo.
More detail
- Vehicle Financing states there is no platform fee.
- Borrower-side terms use a fixed fee or fixed monthly instalment with pricing disclosed before signing; exact fee p
- Main limitation
- Consumers or individual borrowers, platforms serving non-European markets, platforms without usable transaction or performance data, and platforms that want to hold credit risk themselves.
- Record
- Living and monitored
- Reviewed
- Evidence
- Public web research
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- Structured profile ↗
About
- finmid is embedded lending infrastructure that lets software platforms offer pre-approved financing — cash advances, term loans, business loans and vehicle financing — to their own business customers.
- Underwriting uses the platform's live performance data, and the platform does not itself act as lender, with coverage across EU27, UK, Switzerland and Iceland.
What it helps with
- Platform business customers lack growth capital, limiting order size and long-term retention.
- Launching lending directly requires regulatory complexity and juggling multiple providers.
- Mature or large businesses needing more than €1M and longer than 12-month terms are underserved by standard cash advance
- Thin or outdated credit scores exclude many otherwise creditworthy business customers.
- Commercial-use drivers and fleets are often declined by banks and OEM captives.
Capabilities
A practical view of what is available and where limitations apply.
| Offering | Available | Detail |
|---|---|---|
| Cash Advance | Yes | Pre-approved advances up to €1M with terms up to 12 months and revenue-based flexible repayments. |
| Term Loan | Yes | Pre-approved loans up to €5M with terms up to 12 months. |
| Business Loan | Yes | Pre-approved loans up to €5M with terms up to 5 years and fixed or flexible repayments. |
| Vehicle Financing | Yes | Loan-to-own financing for individual owners, fleet owners and captive fleets, stated to have no platform fee and no platform credit exposure in the standard model. |
| Portfolio-level underwriting | Yes | Scores customers at portfolio level using live platform performance data; finmid claims around 90% eligibility. |
| Pre-approved offers via webhook | Yes | Real-time offer generation via API with finmid stating over 95% payout certainty. |
| Integration options | Yes | Pilot via hosted subdomain in about 1 day, iframe embed in about 5 days, or full API build in about 10 days. |
| Pricing disclosure | Limited | Borrower-facing fixed fee or instalment is disclosed before signing, but platform pricing and fee percentages are not publicly disclosed. |
| Credit risk held by platform | No | In the standard model the platform takes no credit exposure; risk sits with finmid or funding facilities. |
| Non-European lending coverage | No | Stated lending coverage is EU27, UK, Switzerland and Iceland; other regions are not stated as supported. |
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Evidence
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- Verification
- Scribble researched these facts from the linked public sources.
- The owner has not manually confirmed every field.
- Last reviewed
- Primary source
- finmid.com
Technical profile details
Record ID
67ac9511-85d9-4d8e-bf21-3568d1fd99acCanonical URLhttps://profiles.scribble.network/listing/finmid-com-67ac9511