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.
Finmid publishes 20 API contracts indexed on the APIs.io network, including Beta Endpoints API, Business API, Buyer API, and 17 more. Tagged areas include Company, Embedded Finance, Embedded Lending, B2B Payments, and Fintech.
The Finmid catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.
Finmid’s developer surface includes documentation, API reference, getting-started guide, engineering blog, signup flow, support, authentication, and 24 more developer resources.
Kin Score
Markets this provider is in provisional
The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.
| Market | Position | Depth | Registered MCP server | Declares compatibility |
|---|---|---|---|---|
| Consumer Lending Licensing (UK, US, Canada credit licence registers) | undeclared | - | - | - |
Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.
Standards implemented 1
Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.
APIs 20
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...
Finmid Beta Endpoints API
The Beta Endpoints API from Finmid — 1 operation(s) for beta endpoints.
Finmid Business API
The Business API from Finmid — 6 operation(s) for business.
Finmid Buyer API
The Buyer API from Finmid — 4 operation(s) for buyer.
Finmid Capital Max API
Endpoints for managing Capital Max applications.
Finmid CSP Financial Document API
The CSP Financial Document API from Finmid — 4 operation(s) for csp financial document.
Finmid Document API
The Document API from Finmid — 2 operation(s) for document.
Finmid Funding API
The Funding API from Finmid — 2 operation(s) for funding.
Finmid Funding Application API
Endpoints for managing Funding Applications.
Finmid Incoming Webhook API
The Incoming Webhook API from Finmid — 2 operation(s) for incoming webhook.
Finmid Offer API
The Offer API from Finmid — 4 operation(s) for offer.
Finmid Offer Group API
The Offer Group API from Finmid — 3 operation(s) for offer group.
Finmid Onboarding API
The Onboarding API from Finmid — 1 operation(s) for onboarding.
Finmid Payment API
The Payment API from Finmid — 4 operation(s) for payment.
Finmid Payment Request API
The Payment Request API from Finmid — 6 operation(s) for payment request.
Finmid Sales statements API
The Sales statements API from Finmid — 1 operation(s) for sales statements.
Finmid Seller API
The Seller API from Finmid — 4 operation(s) for seller.
Finmid Simulation API
The Simulation API from Finmid — 17 operation(s) for simulation.
Finmid Tasks API
The Tasks API from Finmid — 2 operation(s) for tasks.
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Event Specifications 1
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Finmid Webhooks
ASYNCAPISpectral Rules 1
Spectral governance rulesets for linting and validating these APIs.
Finmid API Rules
SPECTRALSecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Get Started 5
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 3
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 10
Pagination, idempotency, versioning, errors, and events
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Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 2
Properties that don't map to a standard resource type
Source (apis.yml)
Finmid API — frequently asked questions
Does Finmid have an API?
Yes. APIs.io lists 20 APIs from Finmid, including finmid B2B Payments API, finmid Capital API and Finmid Beta Endpoints API, and 17 more.
Is there an OpenAPI specification for the Finmid API?
Yes. APIs.io indexes 18 OpenAPI specifications for Finmid, each linked for download from this page.
How do I authenticate with the Finmid API?
Finmid uses bearer-token authentication (apiKey/httpMessageSignatures · 2 schemes). The details are profiled on APIs.io as Finmid Authentication.
Is the Finmid API ready for AI agents?
Finmid has a Kin Score of 48.7 out of 100 (developing) and an Agent Readiness score of 37.7 (agent-ready), scored by API Evangelist on 2026-11-06.
Work with this as data
Every provider here is available over the APIs.io API and to AI agents over MCP.