Product
Introducing Capital Max
Today, we’re introducing Capital Max, a significant upgrade to our existing Capital product. Capital Max allows platforms to offer their merchants increased cash advance limits by connecting additional data sources, such as bank account and accounting data. This improvement helps merchants access on average 50% higher payouts and drives growth of the platform.
Increase GMV and build loyalty with Capital Max
In today's intensely competitive market, platforms from industries such as quick commerce (e.g. Wolt) hospitality (e.g. Booking) and beauty (e.g. Treatwell) face unique challenges. High revenue often comes with pressure on margins, and high churn rates pose constant threats to sustainability. To stand out, these platforms must differentiate by offering additional services. The growth of platforms is inherently tied to the growth of their merchants, making merchant experience, growth, and financial options crucial.
The finmid Capital product has been key in meeting the immediate funding needs of thousands of merchants. finmid has provided millions in capital through pre-approved offers based on merchants' sales, achieving an NPS of over 80.
Capital Max now provides even greater flexibility. Merchants can connect their bank accounts or upload financial documents to access higher limits by allowing finmid to assess their entire financial health. This comprehensive view enables platforms to offer higher cash advance limits up to €2 million tailored to the merchants' true financial capabilities.
way to you
finmid offers the best of both worlds to its platform partners
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Capital provides merchants with pre-approved tailored limits based on existing sales data for ultimate ease while
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Capital Max enables merchants to increase their limits by connecting additional data sources
For current platform partners, there’s no extra work required to start using Capital Max. We'll be adding more data sources in the coming months as we aim to provide every merchant with the best financing options.
Key benefits for platforms
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Attract and retain premium merchantsPlatforms can now serve larger merchants by evaluating their complete financial picture. This capability attracts high-quality merchants and fosters long-term retention by demonstrating the platform’s commitment to supporting merchant growth.
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Boost conversion ratesWith Capital Max, platforms boost conversion rates and increase merchant satisfaction by giving merchants an easy route to as much Capital as they need.
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Streamlined operationsCapital Max requires no additional effort from platforms. It plugs in seamlessly to the Capital base product.
About finmid
finmid is the financing 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, driving revenue, improving retention, and fueling the growth of their core business. Founded in Berlin in 2021, finmid is trusted by Europe’s most ambitious platforms and backed by world-class investors. Learn more at finmid.com.
