Create Your Own Role! at Finmid (Berlin, Germany)

Finmid· Berlin, Germany·5d ago

Role details

Work type

Remote

Employment

Full-Time

Job description

Interested in applying but your preferred role is not available? Tell us what position we might need and why you are the right person for it!

Culture: Described as a builder culture with a focus on impact. The company values ownership and is building the "infrastructure behind the future of capital access."
Work Policy: In-office or remote options available, with a primary physical office in Berlin. The typical time on-site is listed as "None" for some roles, suggesting flexibility.
Team & Growth: A team of ~51 people with a flat structure. Key hires come from top fintech companies like N26, Klarna, and Zalando. The company has a strong emphasis on engineering and product talent.
Perks: Not explicitly detailed, but the company offers competitive compensation (rated 3.8/5 on Built In) and career growth (rated 3.9/5). The environment is fast-paced and focused on solving complex problems in fintech.
Notable: The company has a 3.9/5 employer rating (based on 20 reviews) and is actively hiring for roles like "Entrepreneur in Residence (GTM)" and "Commercial Counsel," indicating a focus on strategic growth.

One-liner: Finmid provides embedded lending infrastructure that enables software platforms and marketplaces to offer tailored financing products to their business customers.
Entity Type: Private (Series A)
Headquarters: Berlin, Germany
Founded: 2021
Founders: Alexander Talkanitsa, Max Schertel

Primary industry/industries: Financial Services, Fintech, Lending Infrastructure
Target customers: B2B — specifically B2B software platforms, marketplaces, and vertical SaaS companies serving small and medium-sized businesses (SMBs) in e-commerce, hospitality, rentals, and wholesale.
Mission or purpose statement: To enable platforms to turn financial services into a growth lever and a competitive advantage, powering the next decade of global growth for businesses everywhere.

Embedded Lending Platform (API & iframe): A single infrastructure that allows platforms to offer financing products to their business customers across 30+ European markets. Underwrites at the portfolio level using real-time sales data rather than traditional credit scores, achieving ~90% eligibility.
Cash Advance: Pre-approved advances up to €1M with terms up to 12 months and flexible, revenue-based repayments. Ideal for small businesses needing speed and flexibility.
Term Loan: Pre-approved loans up to €5M with terms up to 12 months and flexible repayments. Designed for larger, more mature customers.
Business Loan: Pre-approved loans up to €5M with terms up to 5 years, offering fixed or flexible repayment schedules. Suited for enterprise businesses with large capital needs.
Full Dunning & Collection Service: Finmid manages the entire collections process, allowing clients to focus on core operations.
24-hour Payouts: Funds are delivered to customers’ accounts in less than 24 hours.

Valuation/Market Cap: Not publicly disclosed.
Key Metric: Total funding of $38.9M (~€35M) across 4 rounds.
Notable Investors/Partners: Blossom Capital (lead in Series A and Seed), Earlybird Venture Capital (lead in Pre-Seed), Max Tayenthal (Angel). Partners include Glovo, Thokmandee, and Your.Rentals.
Growth Signals:
- Reports a 306% ROI for clients.
- Financed customers place 31% bigger orders and grow sales by 45% in six months.
- Customer retention improvement of 88% (return for more funds).
- Active in 11 countries with a presence across Europe, including the UK, Spain, France, and Lithuania.
- 73 NPS score and over 88K offers made.

Portfolio-based underwriting: Assesses risk at the portfolio level using real-time platform data (e.g., sales history) rather than individual credit scores, unlocking financing for up to 90% of a platform’s customer base.
Speed of deployment: Can launch a fully branded lending solution in as little as 5 days using an iframe, or 10 days via API.
Regulatory simplicity: Handles all regulatory complexity across 30+ European markets, allowing platforms to offer lending without becoming a regulated entity themselves.
Dynamic, risk-based pricing: Prices loans based on individual risk, ensuring every customer gets a tailored offer, maximizing conversion.

Scaling across Europe: Expanding lending capabilities across 30+ markets with a single infrastructure.
Deepening platform integrations: Focusing on vertical SaaS and marketplace partners in high-growth sectors (e.g., food delivery, short-term rentals, e-commerce).
Product expansion: Offering a range of lending products (Cash Advance, Term Loan, Business Loan) to serve different customer sizes and needs.
Building the team: Actively hiring for roles in engineering, operations, and go-to-market to support growth, while maintaining a lean, high-impact team.

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