Finmid website screenshot

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.

🌐 Visit website📡 Profile data on GitHub
44.2/100 developing ▲ 9.3 Agent 38/100 agent ready Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-10-17 · rubric v0.24.0
2 published contracts
CompanyEmbedded FinanceEmbedded LendingB2B PaymentsFintechLendingCapitalFinancingPaymentsMarketplace

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-10-17 · rubric v0.24.0
Composite quality — 44.2/100 · developing
Contract Quality 10.7 / 19
Developer Ergonomics 7.3 / 15
Access Clarity 3.2 / 15
Operational Transparency 2.2 / 10
Contract Governance 2.0 / 9
Discoverability 5.5 / 8
Regulatory Posture 3.9 / 15
Create-or-Update Ergonomics 2.8 / 10
Agent readiness — 38/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
Documented Reversibility 6 / 6
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 7 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Delegated User Identity 0 / 6
Protected Resource Metadata 0 / 5
Registration Without a Human 0 / 6
Agentic Commerce Well-Known Document 0 / 5
Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.
The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/finmid: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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.

Scroll for all 20

Event Specifications 1

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

Finmid Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Finmid API Rules

14 rules · 10 errors 3 warnings 1 info

SPECTRAL

Security Posture 2

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

Finmid Authentication

apiKey/httpMessageSignatures · 2 schemes

SECURITY

Finmid Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Finmid Agentic Access

65 operations · 43 acting

65 operations · 43 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Login
Login
 Sandbox
Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 LLMsTxt
LLMsTxt
 X-MCPServerCandidate
X-MCPServerCandidate

Design & Contract 10

Pagination, idempotency, versioning, errors, and events

Spectral
Spectral
 Vocabulary
Vocabulary
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 ErrorCatalog
ErrorCatalog
 Webhooks
Webhooks
 Conventions
Conventions
 Components
Components
 Conformance
Conformance
 DataModel
DataModel

Scroll for all 10

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication

Operate 2

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Other 2

Properties that don't map to a standard resource type

Hosts
Hosts
 Vendors
Vendors

Source (apis.yml)

apis.yml Raw ↑ 
aid: finmid
name: Finmid
description: '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.'
url: https://raw.githubusercontent.com/api-evangelist/finmid/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- earlybird
x-tier: profiled
x-tier-reason: enrichment-pipeline
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
image: https://finmid.com/icon-192x192.png
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-03
tags:
- Company
- Embedded Finance
- Embedded Lending
- B2B Payments
- Fintech
- Lending
- Capital
- Financing
- Payments
- Marketplace
tags_raw:
- Company
- Embedded Finance
- Embedded Lending
- B2B Payments
- Fintech
- Lending
- Capital
- Financing
- Payments
- Marketplaces
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: AgenticAccess
  url: agentic-access/finmid-agentic-access.yml
- type: Spectral
  url: rules/finmid-rules.yml
- type: Vocabulary
  url: vocabulary/finmid-vocabulary.yml
- type: ErrorCatalog
  url: errors/finmid-problem-types.yml
- type: Hosts
  url: hosts/finmid-hosts.yml
- type: Vendors
  url: vendors/finmid-vendors.yml
- type: DomainSecurity
  url: security/finmid-domain-security.yml
- type: Website
  url: https://www.finmid.com
- type: DeveloperPortal
  url: https://docs.finmid.com
- type: Documentation
  url: https://docs.finmid.com
- type: APIReference
  url: https://docs.finmid.com/reference/api-introduction
- type: GettingStarted
  url: https://docs.finmid.com/docs/finmid-products
- type: Blog
  url: https://finmid.com/blog/
- type: GitHubOrganization
  url: https://github.com/finmid
- type: SignUp
  url: https://platform.finmid.com
- type: Login
  url: https://platform.finmid.com
- type: Support
  url: mailto:support@finmid.com
- type: TermsOfService
  url: https://finmid.com/legal/
- type: PrivacyPolicy
  url: https://finmid.com/privacy/
- type: StatusPage
  url: https://finmid.statuspage.io
- type: Lifecycle
  url: lifecycle/finmid-lifecycle.yml
- type: LLMsTxt
  url: llms/finmid-llms.txt
- type: Authentication
  url: authentication/finmid-authentication.yml
- type: Sandbox
  url: sandbox/finmid-sandbox.yml
- type: ErrorCatalog
  url: errors/finmid-error-codes.yml
- type: Webhooks
  url: asyncapi/finmid-webhooks.yml
- type: Conventions
  url: conventions/finmid-conventions.yml
- type: Components
  url: components/finmid-components.yml
- type: Conformance
  url: conformance/finmid-conformance.yml
- type: X-MCPServerCandidate
  url: mcp/finmid-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: DataModel
  url: data-model/finmid-data-model.yml
apis:
- name: finmid B2B Payments API
  description: '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 repayment. JSON over HTTPS, X-API-Key auth, with a sandbox
    environment and simulation endpoints.'
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - B2B Payments
  - Embedded Lending
  - Payments
  properties:
  - type: Documentation
    url: https://docs.finmid.com/docs/b2b-payments-core-concepts
  - type: Webhooks
    url: https://docs.finmid.com/docs/webhooks
  aid: finmid:finmid-b2b-payments-api-2
- name: finmid Capital API
  description: 'Offer pre-approved, customizable financing to businesses on a platform: real-time offer generation, an embeddable
    acceptance widget (iframe), business onboarding and KYB, fundings, and business payments. JSON over HTTPS, X-API-Key auth,
    HMAC-signed webhooks, and RFC 9421 HTTP Message Signatures for platform-provided capital payouts.'
  humanURL: https://docs.finmid.com/docs/capital-core-concepts
  baseURL: https://api.finmid.com
  tags:
  - Capital
  - Embedded Lending
  - Financing
  properties:
  - type: Documentation
    url: https://docs.finmid.com/docs/capital-core-concepts
  - type: Webhooks
    url: https://docs.finmid.com/docs/capital-webhooks
  aid: finmid:finmid-capital-api-2
- aid: finmid:finmid-beta-endpoints-api
  name: Finmid Beta Endpoints API
  description: The Beta Endpoints API from Finmid — 1 operation(s) for beta endpoints.
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - Beta Endpoints
  properties:
  - type: OpenAPI
    url: openapi/finmid-beta-endpoints-api-openapi.yml
- aid: finmid:finmid-business-api
  name: Finmid Business API
  description: The Business API from Finmid — 6 operation(s) for business.
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - Business
  properties:
  - type: OpenAPI
    url: openapi/finmid-business-api-openapi.yml
- aid: finmid:finmid-buyer-api
  name: Finmid Buyer API
  description: The Buyer API from Finmid — 4 operation(s) for buyer.
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - Buyer
  properties:
  - type: OpenAPI
    url: openapi/finmid-buyer-api-openapi.yml
- aid: finmid:finmid-capital-max-api
  name: Finmid Capital Max API
  description: Endpoints for managing Capital Max applications.
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - Capital Max
  properties:
  - type: OpenAPI
    url: openapi/finmid-capital-max-api-openapi.yml
- aid: finmid:finmid-csp-financial-document-api
  name: Finmid CSP Financial Document API
  description: The CSP Financial Document API from Finmid — 4 operation(s) for csp financial document.
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - CSP Financial Document
  properties:
  - type: OpenAPI
    url: openapi/finmid-csp-financial-document-api-openapi.yml
- aid: finmid:finmid-document-api
  name: Finmid Document API
  description: The Document API from Finmid — 2 operation(s) for document.
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - Documents
  tags_raw:
  - Document
  properties:
  - type: OpenAPI
    url: openapi/finmid-document-api-openapi.yml
- aid: finmid:finmid-funding-api
  name: Finmid Funding API
  description: The Funding API from Finmid — 2 operation(s) for funding.
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - Funding
  properties:
  - type: OpenAPI
    url: openapi/finmid-funding-api-openapi.yml
- aid: finmid:finmid-funding-application-api
  name: Finmid Funding Application API
  description: Endpoints for managing Funding Applications.
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - Funding Application
  properties:
  - type: OpenAPI
    url: openapi/finmid-funding-application-api-openapi.yml
- aid: finmid:finmid-incoming-webhook-api
  name: Finmid Incoming Webhook API
  description: The Incoming Webhook API from Finmid — 2 operation(s) for incoming webhook.
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - Incoming Webhook
  properties:
  - type: OpenAPI
    url: openapi/finmid-incoming-webhook-api-openapi.yml
- aid: finmid:finmid-offer-api
  name: Finmid Offer API
  description: The Offer API from Finmid — 4 operation(s) for offer.
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - Offer
  properties:
  - type: OpenAPI
    url: openapi/finmid-offer-api-openapi.yml
- aid: finmid:finmid-offer-group-api
  name: Finmid Offer Group API
  description: The Offer Group API from Finmid — 3 operation(s) for offer group.
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - Offer Group
  properties:
  - type: OpenAPI
    url: openapi/finmid-offer-group-api-openapi.yml
- aid: finmid:finmid-onboarding-api
  name: Finmid Onboarding API
  description: The Onboarding API from Finmid — 1 operation(s) for onboarding.
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - Onboarding
  properties:
  - type: OpenAPI
    url: openapi/finmid-onboarding-api-openapi.yml
- aid: finmid:finmid-payment-api
  name: Finmid Payment API
  description: The Payment API from Finmid — 4 operation(s) for payment.
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - Payments
  tags_raw:
  - Payment
  properties:
  - type: OpenAPI
    url: openapi/finmid-payment-api-openapi.yml
- aid: finmid:finmid-payment-request-api
  name: Finmid Payment Request API
  description: The Payment Request API from Finmid — 6 operation(s) for payment request.
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - Payment Request
  properties:
  - type: OpenAPI
    url: openapi/finmid-payment-request-api-openapi.yml
- aid: finmid:finmid-sales-statements-api
  name: Finmid Sales statements API
  description: The Sales statements API from Finmid — 1 operation(s) for sales statements.
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - Sales statements
  properties:
  - type: OpenAPI
    url: openapi/finmid-sales-statements-api-openapi.yml
- aid: finmid:finmid-seller-api
  name: Finmid Seller API
  description: The Seller API from Finmid — 4 operation(s) for seller.
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - Seller
  properties:
  - type: OpenAPI
    url: openapi/finmid-seller-api-openapi.yml
- aid: finmid:finmid-simulation-api
  name: Finmid Simulation API
  description: The Simulation API from Finmid — 17 operation(s) for simulation.
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - Simulation
  properties:
  - type: OpenAPI
    url: openapi/finmid-simulation-api-openapi.yml
- aid: finmid:finmid-tasks-api
  name: Finmid Tasks API
  description: The Tasks API from Finmid — 2 operation(s) for tasks.
  humanURL: https://docs.finmid.com/reference/api-introduction
  baseURL: https://api.finmid.com
  tags:
  - Task
  tags_raw:
  - Tasks
  properties:
  - type: OpenAPI
    url: openapi/finmid-tasks-api-openapi.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence
x-readme-harvest:
  date: '2026-10-14'
  ops: 65
  tool: harvest-readme-openapi.py
  portal: https://docs.finmid.com

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