Finmid

finmid is a Berlin-based embedded lending and B2B payments infrastructure provider that lets software platforms and marketplaces offer financing — cash advances, term loans, and business loans — to their customers across 30+ European markets without becoming a lender or handling the regulatory complexity themselves. finmid exposes two REST APIs: the B2B Payments API (buyer/seller onboarding, payment requests, payouts, and repayment) and the Capital API (pre-approved offer generation, an embeddable acceptance widget, business onboarding/KYB, fundings, and payments). Both APIs are JSON over HTTPS, authenticated with an environment-scoped X-API-Key header, with a separate sandbox environment, HMAC-signed webhooks for asynchronous events, and HTTP Message Signatures (RFC 9421, Ed25519) for platform-provided capital payout execution.

Kin Score

This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.

How we profile Finmid

Each block below is one kind of artifact we hold for Finmid. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.

APIs 2

Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.

Individual APIs this provider publishes, each with its own machine-readable definition.

finmid B2B Payments API

Embed B2B payment and financing into a platform: onboard buyers and sellers, create payment requests financed by a finmid loan, create payouts, upload documents, and track repay...

finmid Capital API

Offer pre-approved, customizable financing to businesses on a platform: real-time offer generation, an embeddable acceptance widget (iframe), business onboarding and KYB, fundin...

MCP Servers 1

Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.

Model Context Protocol servers that expose these APIs to AI agents.

finmid-mcp.yml

MCP SERVER

Event Specifications 1

Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Finmid Webhooks

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Finmid Authentication

apiKey/httpMessageSignatures · 2 schemes

SECURITY

Finmid Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Every other property we hold for Finmid — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.

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