aid: finmid
name: Finmid
description: >-
  finmid is a Berlin-based embedded lending and B2B payments infrastructure
  provider that lets software platforms and marketplaces offer financing —
  cash advances, term loans, and business loans — to their customers across
  30+ European markets without becoming a lender or handling the regulatory
  complexity themselves. finmid exposes two REST APIs: the B2B Payments API
  (buyer/seller onboarding, payment requests, payouts, and repayment) and the
  Capital API (pre-approved offer generation, an embeddable acceptance widget,
  business onboarding/KYB, fundings, and payments). Both APIs are JSON over
  HTTPS, authenticated with an environment-scoped X-API-Key header, with a
  separate sandbox environment, HMAC-signed webhooks for asynchronous events,
  and HTTP Message Signatures (RFC 9421, Ed25519) for platform-provided
  capital payout execution.
url: https://raw.githubusercontent.com/api-evangelist/finmid/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- earlybird
x-tier: profiled
x-tier-reason: enrichment-pipeline
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://finmid.com/icon-192x192.png
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Embedded Finance
- Embedded Lending
- B2B Payments
- Fintech
- Lending
- Capital
- Financing
- Payments
- Marketplaces
apis:
- name: finmid B2B Payments API
  description: >-
    Embed B2B payment and financing into a platform: onboard buyers and
    sellers, create payment requests financed by a finmid loan, create payouts,
    upload documents, and track repayment. JSON over HTTPS, X-API-Key auth,
    with a sandbox environment and simulation endpoints.
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - B2B Payments
  - Embedded Lending
  - Payments
  properties:
  - type: Documentation
    url: https://docs.finmid.com/docs/b2b-payments-core-concepts
  - type: Webhooks
    url: https://docs.finmid.com/docs/webhooks
- name: finmid Capital API
  description: >-
    Offer pre-approved, customizable financing to businesses on a platform:
    real-time offer generation, an embeddable acceptance widget (iframe),
    business onboarding and KYB, fundings, and business payments. JSON over
    HTTPS, X-API-Key auth, HMAC-signed webhooks, and RFC 9421 HTTP Message
    Signatures for platform-provided capital payouts.
  humanURL: https://docs.finmid.com/docs/capital-core-concepts
  baseURL: https://api.finmid.com
  tags:
  - Capital
  - Embedded Lending
  - Financing
  properties:
  - type: Documentation
    url: https://docs.finmid.com/docs/capital-core-concepts
  - type: Webhooks
    url: https://docs.finmid.com/docs/capital-webhooks
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/finmid-domain-security.yml
- type: Website
  url: https://www.finmid.com
- type: DeveloperPortal
  url: https://docs.finmid.com
- type: Documentation
  url: https://docs.finmid.com
- type: APIReference
  url: https://docs.finmid.com/reference/api-introduction
- type: GettingStarted
  url: https://docs.finmid.com/docs/finmid-products
- type: Blog
  url: https://finmid.com/blog/
- type: GitHubOrganization
  url: https://github.com/finmid
- type: SignUp
  url: https://platform.finmid.com
- type: Login
  url: https://platform.finmid.com
- type: Support
  url: mailto:support@finmid.com
- type: TermsOfService
  url: https://finmid.com/legal/
- type: PrivacyPolicy
  url: https://finmid.com/privacy/
- type: StatusPage
  url: https://finmid.statuspage.io
- type: Lifecycle
  url: lifecycle/finmid-lifecycle.yml
- type: LLMsTxt
  url: llms/finmid-llms.txt
- type: Authentication
  url: authentication/finmid-authentication.yml
- type: Sandbox
  url: sandbox/finmid-sandbox.yml
- type: ErrorCatalog
  url: errors/finmid-error-codes.yml
- type: Webhooks
  url: asyncapi/finmid-webhooks.yml
- type: Conventions
  url: conventions/finmid-conventions.yml
- type: Components
  url: components/finmid-components.yml
- type: Conformance
  url: conformance/finmid-conformance.yml
- type: MCPServer
  url: mcp/finmid-mcp.yml
- type: DataModel
  url: data-model/finmid-data-model.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence