Vehicle financing serves three segments, at different levels of maturity.
From individual drivers financing their first car to captive fleets
scaling hundreds of vehicles, finmid underwrites every segment on the
platform data a bank never sees.
Individual
Owners
Owners
Independent drivers operating a single vehicleNew to ride-hailing or replacing their current carEmbedded application, OEM pricing and underwritingUnderwritten on live platform data, not historic financial statements
Independent drivers, financed like a fleet.
Fleet
Owners
Owners
Portfolios of 2–50 vehicles operated by a pool of driversPlatform-specific vehicle deals or bring-your-own-quoteReplace existing vehicles or expand your fleetExclusive OEM discounts and platform-funded deposits
Fleet growth without tying up working capital.
Captive
Fleets
Fleets
Scaled operators (directly or indirectly) backed by platformsLarge scale fleets and orders (e.g. 100+ vehicles per order)Contracted, platform-directed originationTailored terms, with optional first-loss equity from platforms for better rates.
Structured financing for scaled operators.
More vehicles on the road wherever your platform operates Be the financial partner that supports your customers’ growth at every key moment.
"Through Bolt Vehicle Solutions, finmid approved me quickly and without the back and forth I expected. Choosing the vehicle was straightforward, delivery came quickly, and knowing it will be mine at the end makes the whole thing worthwhile."
Ayhan D. Fleet owner
"The financing offer came pre-approved, so I knew what I could afford before I ever walked into a dealership. The car was already fitted out for ride-hailing when I collected it and it was earning the same week."
Mario S. Fleet owner
Vehicle financing doesn't get easier than this
All the fleet growth, none of the balance-sheet risk or operational burden.
What sets finmid Vehicle Financing apart
Your brandFleets apply in-platform under your brand, no redirect, no separate onboarding.
Powered by finmidWe run the process end-to-end across KYB, underwriting, dealer coordination, and collections.
Data-driven approvalsUnderwriting runs on live platform data, no document submission required.
Keys in daysPre-approved limits mean fleets collect from a contracted dealer in days, not months.
Your catalogueDecide which OEMs and models are advertised - with pre-negotiated deals and tailored market-by-market
Tailored incentivesPut a deposit or performance bonus behind an offer to support your priority fleets
Full ownershipVehicle transfers to the fleet after the final instalment. No balloon, no buyout, no residual risk.
Automated collectionInstallments are collected directly from monthly settlements; no invoicing, no chasing of payments.
Flexible terms12 to 60 months loans, with usage based repayment to pay off the car faster the more a fleet drives on your platform.
Unlock new growth for your platform Give your drivers and fleets the vehicles to grow, and they'll earn more and stay longer on your platform.
up to 40k
Annual GMV per vehicle Additional annual GMV a platform earns per financed vehicle.
Frequently asked questions
finmid Vehicle Financing is built for ride-hailing and mobility platforms that want to offer embedded vehicle financing to their fleets and drivers, without becoming a lender themselves. finmid handles underwriting, financing, and servicing end-to-end.
Traditional lenders decline drivers on commercial use and income-documentation gaps, and OEM captives often reject high-mileage profiles or price them out. finmid underwrites using platform trip, mileage, and remittance data that banks and OEM captives don't have access to. Unlike subscription leases, finmid's loan-to-own model ends in full vehicle ownership.
finmid Vehicle Financing is built to run across all of Europe. Wherever your fleets and drivers are on the road, we bring the same integration, financing infrastructure, and OEM network to every market you operate in.
finmid Vehicle Financing can go live with a new platform partner in weeks, not months. Once live, approved fleets and drivers go from accepted offer to vehicle handover in days.
Platforms grow their active vehicle supply and driver retention, and can structure performance-based incentives (like co-funded deposits or bonuses) for fleets that meet agreed driving targets, all without carrying the financing themselves, nor the regulatory burden that comes with it.
finmid underwrites every fleet and can arrange funding from our own capital facilities. The platform takes no credit exposure in the standard model. Where a platform chooses to put its own deposit or bonus behind an offer, exposure is defined explicitly in the commercial agreement.
We use platform activity (trips, mileage and earnings) to assess eligibility, shared under a data-sharing agreement signed before launch. Data is used for underwriting and servicing only, and fleets consent as part of their financing application.
finmid. We handle onboarding, documentation, payment queries and the full servicing relationship. Vehicle defects and warranty claims go to the selling dealer, as with any purchase.
There is no platform fee to offer finmid Vehicle Financing. Fleets pay a fixed monthly instalment over an agreed term, with pricing disclosed in full before signing. Platforms that want to reduce what fleets pay can fund a deposit or performance bonus.
Yes. The vehicle catalogue is configurable per market with your chosen OEMs, models, configurations and prices. We can onboard a dealer you already work with, or you can use our existing network.
