Finom has expanded its credit offering in Germany after it rolled it out in the Netherlands earlier this year.
The solution is already available to existing customers who have an account on the platform for at least three months, enabling Finom to scale the offering responsibly while supporting businesses it already works with.
AI-driven solutions for German SMEs
Germany's SME sector makes up 99.5% of all businesses in the country, employing over 60% of the workforce. However, many such businesses face difficulties accessing fast and flexible credit options for working capital and short-term financing needs. This is why Finom aims to support enterprises in Germany by offering credit lines ranging from EUR 2,000 to EUR 50,000 with six-month repayment schedules, flexible repayment options with the possibility for early repayment, and a simplified application process fully integrated in the Finom platform.
With the solution compliant with German financial regulators and GDPR rules, financing was provided by an independent investment fund managed by Montold Asset Management, a registered AIFM. Finom Growth GmbH introduces eligible clients to the fund under its §34c GewO authorisation, while Finom serves as the technology, analytics, and customer-acquisition partner through its platform, with credit decisions and risk assessments performed by the AIFM.
Finom’s AI-driven technology aims to support use-case workflow through data processing and analytics, leveraging transaction history, behavioural patterns, and digital footprint analysis using machine learning techniques. To be eligible for a credit line, a business has to be an active Finom customer for at least three months, including making payments, transactions, debits, transfers, and withdrawals.
The launch follows the strong performance of the solution in the Netherlands, where credit offerings were launched in March 2025. The initiative there proved that Finom’s services and data-driven approach can serve European SMEs effectively. As Germany has a dynamic and complex business environment with strict regulations, it is a key market for expansion for the company.
The move comes as Finom recently raised EUR 92.3 million in growth investment from General Catalyst's Customer Value Fund, and EUR 115 million in a Series C funding round led by AVP. The funds were used for customer acquisition and accelerating growth in key markets, enabling Finom to scale while maintaining strong unit economics.
