finmid and Teya partnership brings fast, flexible financing to local businesses in Croatia and Hungary

Summary

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  Through the partnership, Teya merchants in Croatia and Hungary can access personalised, pre-approved financing inside the Teya platform, with funds paid out in a median of three minutes

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  The partnership opens new avenues for SME lending in Central and Eastern Europe (CEE), where the debt financing gap is among the highest in the EU, in addition to an early-stage pilot in Portugal

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  finmid joins Teya’s pan-European marketplace as its full-stack lending infrastructure partner, providing underwriting, compliance, servicing and capital

22 October 2026: Local businesses across Croatia and Hungary can now get fast, flexible financing after finmid, the embedded lending infrastructure provider, partnered with Teya, the financial services provider supporting local businesses across Europe.

Through the partnership, eligible Teya merchants get personalised, pre-approved financing offers without leaving the platform. All offers are based on real-time performance data from within Teya and, once accepted, funds are paid out in a median of three minutes.

Merchants can use the capital for anything they need to grow, from equipment to marketing, and repayments follow their monthly revenue, so they flex with the business.

The early stages of the partnership have already seen more than 500 Teya merchants financed, with a Net Promoter Score (NPS) of 86.

As part of the partnership, finmid becomes part of Teya’s pan-European marketplace as a full-stack financing partner, providing everything platforms and their merchants need, from underwriting to compliance, servicing and capital.

Closing the funding gap in Central and Eastern Europe

SMEs in the CEE region continue to face obstacles to financing, like limited credit histories, insufficient collateral and outdated bank processes. Through this partnership, finmid and Teya are creating new opportunities for underserved SMEs in both countries to access the capital they need to grow.

Teya already serves 80,000+ local businesses in nine European markets with payments, business accounts and expense management technology. The partnership extends that mission into financing, while further cementing finmid’s presence across CEE, in addition to a newly launched pilot programme in Portugal.

Teya joins a growing list of platforms using finmid as their embedded lending partner across 30+ markets, including Bolt, Wolt and Delivery Hero. Across finmid programmes, merchants typically see up to 45% uplift in sales, an NPS above 80, and 80% go on to renew their financing. Platform partners using finmid then see a 70% reduction in churn.