Summary
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Through the partnership, eligible merchants can now access fast, flexible and personalised financing from inside the myPOS platform
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By bringing data-driven, revenue-based financing directly to Italy's 4.9m small businesses, the launch directly addresses the country's €3bn SME financing gap
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myPOS is trusted by 350,000 merchants across 35 countries, while finmid has delivered capital offers to 150,000+ merchants across Europe since 2021
June 2026: More than 90,000 merchants across Italy can now access the fast, flexible capital they need to scale after finmid, the embedded finance infrastructure provider, partnered with payment services provider, myPOS 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 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. While platforms using finmid see a 70% reduction in churn.
“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 90,000 businesses.”
Alessandro Bocca, Country Manager Italy, myPOS
“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.”
Max Schertel, Co-founder & CEO, finmid
As a pan-European payment service provider, myPOS is trusted by more than 350,000 merchants across 35 countries. It offers integrated payment solutions across in-person, online, and mobile channels including card machines, online payments, and business accounts.
Curious to see how embedded lending could work for your platform? Book a demo.
The myPOS platform gives micro businesses and SMEs everything they need to accept payments and manage various aspects of their business, including selling remotely, accelerating cash flow and enabling e-commerce. Business owners receive a free multicurrency merchant account and dedicated IBAN per currency, a business debit card, digitized business management capabilities, and a powerful platform to help them sell anywhere.
For its continued innovation in payments, myPOS has won many awards, including Best Business Payments System at PayTech Awards 2024, POS Innovation at FinTech Breakthrough 2024 and 2025, Best B2B Tech at Business Awards UK 2025, Best Financial Services at Global Fintech Awards 2025 and Most Dynamic Fintech Company at Banker Awards 2025. For more information, please visit www.mypos.com.
finmid is the embedded lending infrastructure powering platform growth. With its API, finmid enables platforms to launch tailored financing products for their business customers at scale. Across industries, borders, and business models, finmid drives revenue, improves retention, and fuels core business growth. finmid is trusted by Europe’s most ambitious platforms, including Wolt, Delivery Hero, Just Eat Takeaway, Glovo, and FREENOW. Learn more at finmid.com.
