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myPOS and finmid partner to unlock funding for merchants in Italy. More than thousands of merchants across Italy can now access the fast, flexible capital they need to scale after myPOS and finmid, the embedded finance infrastructure provider, partnered to help close the region's €3 billion SME financing gap. Through the partnership, eligible myPOS merchants can now get personalised, pre-approved financing offers without leaving the platform. All offers are based on business performance data and, once accepted, the funds are available within 48 hours. Merchants can use the capital for anything they need to grow, from equipment to stock, managing cash flow gaps, or expansion and repayments are tied to revenue, allowing merchants to repay more in busier months or less when business is slow. The full lending infrastructure, including all underwriting, compliance, servicing and capital is provided by finmid, which is already trusted by platform giants Wolt, Glovo, Bolt Food and Freenow. Addressing Italy's €3 billion SME financing gap. Italy has one of the most complex regulatory environments in Europe for business lending, and one of the largest SME financing gaps to match. Until now, its 4.9 million small businesses have had little choice but to rely on slow, inaccessible banks because the fintech barrier to entry has been so high. finmid has not only built its infrastructure to absorb exactly this kind of complexity, but it's already helped 150,000+ underserved business access working capital to help close funding gaps in its other 30+ European markets. Merchants who access its financing typically see an uplift of up to 45% in sales, an NPS of 80+ with 80% return for additional financing. Alessandro Bocca, country manager Italy at myPOS, said: "Italian merchants have been let down by traditional finance for too long. Their appetite to grow is huge but what's been missing is access to capital that moves at the speed of their business: fast, clear, and flexible. Embedding financing directly into myPOS with finmid changes that in a meaningful way for thousands of businesses." Max Schertel, co-founder and chief executive officer of finmid, said: "Italy has one of the largest SME financing gaps in Europe and one of the most complex regulatory environments, which is precisely what makes it both a huge underserved market, and opportunity. "Our partnership with myPOS sends a strong signal to platforms across Italy and Southern Europe: embedded lending is now a real option, not a distant ambition, and working capital no longer needs to be a barrier to growth."

finmid, efood partner to expand embedded lending. By vriti gothi. April 06, 2026 Embedded finance provider finmid has partnered with food delivery platform efood to roll out efood Capital, a financing programme aimed at expanding access to working capital for small businesses operating on the platform. The initiative targets more than 21,000 restaurants and retailers across 100 cities in Greece, offering eligible merchants financing of up to €30,000. The funds can be used for expansion, equipment upgrades, renovations, marketing, and day-to-day operational needs. Applications are processed through a fully digital workflow powered by finmid, with approvals and disbursements completed within 48 hours. Credit assessments are based primarily on merchants' transaction data generated on the efood platform, with repayments structured as a percentage of future sales over a period of up to 12 months. The model applies a fixed fee, providing cost visibility for borrowers. The programme has already been piloted over the past six months, during which 221 businesses accessed more than €2 million in financing. The partnership reflects a broader shift in European FinTech towards embedded lending models, where platforms integrate financial services directly into their ecosystems. By leveraging real-time operational data, such models aim to address longstanding gaps in SME financing, particularly for businesses that may face friction in accessing traditional bank credit. Max Schertel, co-founder of finmid said, "efood Capital is a strong example of what embedded finance can do for small and independent businesses. Restaurant and retail owners on the efood platform can now access meaningful capital in under 48 hours, based on the data they are already generating on the platform. This is exactly the kind of programme finmid was built to power, and Greece is a market where we're seeing increased appetite for this model." Founded in 2021, finmid provides infrastructure that enables platforms to distribute financing using embedded data flows. The company reports having extended financing offers to more than 150,000 businesses across Europe, as competition intensifies among FinTechs to capture the SME lending opportunity through platform-based distribution models. Titan unveils AI models tailored for banking compliance. April 06, 2026