SME Finance

Mokka

Mokka is a Romanian fintech platform built for the modern seller. Rather than forcing merchants into the rigid infrastructure of traditional payment processors, Mokka gives them a unified dashboard to manage payments, invoicing, and business basics from one place. The platform handles card payments, digital wallets, and local payment methods—all wired into a clean, merchant-friendly interface that feels less like enterprise software and more like something designed for actual humans. For Romanian SMEs and freelancers tired of juggling multiple logins and opaque fee structures, Mokka offers transparency and control that legacy banking and payment gateways simply don't provide. It's part merchant acquirer, part business backbone—a practical response to how payment infrastructure in Central & Eastern Europe still lags behind Western standards. Mokka sits at the intersection of embedded finance and merchant enablement, serving businesses that want payment functionality without the complexity.

Indy

Indy is a French fintech built for freelancers and self-employed workers who are tired of juggling accounting software, invoicing tools, and bank dashboards across a dozen different apps. The platform consolidates business banking, invoicing, expense tracking, and tax compliance into a single workspace designed specifically for French independent professionals and micro-entrepreneurs. Unlike traditional accounting software that feels built for accountants, Indy puts the solopreneur first—automating routine tasks like categorizing expenses and calculating quarterly tax estimates while keeping the interface clean and approachable. The company has become a go-to solution across France for freelancers managing both the creative and administrative sides of their business, from photographers to consultants to digital agencies. It's one of Europe's clearest examples of how fintech can solve a specific, underserved market by building exactly what that market actually needs rather than trying to be everything to everyone. In a landscape crowded with generic SME finance platforms, Indy's laser focus on French self-employed workers—and their particular regulatory requirements and pain points—has established it as a cultural fixture in the French freelance community.

Billie

Billie is a B2B payments platform built for small businesses and freelancers who are tired of chasing invoices. Instead of waiting 30, 60, or 90 days to get paid, users can access their outstanding invoices instantly through Billie's platform, converting them into immediate working capital without the traditional loan machinery. The service works like this: businesses upload their invoices, Billie validates them, and funds arrive within hours. It's not a loan in the conventional sense—there's no credit scoring, no months of approval waiting, just a straightforward advance against money that's already owed. The economics are transparent: a small fee on the advance, nothing else. Billie positions itself against the backdrop of Europe's slow payment culture, where SMEs are routinely starved of cash flow by larger clients who take their time settling bills. While traditional banks offer supply chain financing to enterprises, Billie democratizes this for the mid-market and smaller players who have real invoices but zero patience for bureaucracy. In the broader fintech landscape, Billie sits at the intersection of lending, payments, and working capital—essentially making invoice financing frictionless for businesses that actually need it.

SeedLegals

Legal documents are one of the largest hidden costs of running a startup. Founders spend tens of thousands of pounds with law firms producing the term sheets, shareholder agreements, employee option schemes, and funding round paperwork that every growing company needs but few founders understand well enough to procure efficiently. SeedLegals was founded in London in 2016 to bring that legal infrastructure online. Its platform automates the creation of startup legal documents — fundraising agreements, employee equity, board resolutions, EMI option schemes — through a guided interface that produces lawyer-quality documents in hours rather than weeks, at a fraction of the cost. The product is grounded in genuine legal expertise — SeedLegals works with law firms and corporate lawyers to ensure the documents it produces meet the standards of the funds and investors that ultimately need to sign them. SeedLegals has become deeply embedded in the UK startup ecosystem, processing a significant share of EIS and SEIS funding rounds and supporting thousands of UK companies through their early-stage equity events. In the European startup infrastructure landscape, where regulatory and legal complexity varies significantly between markets, SeedLegals' UK depth represents the most mature example of legal automation for early-stage companies — a model that is gradually expanding to other European jurisdictions.

Capdesk

Equity management for private companies has historically been a mess of spreadsheets, lawyer markup, and reconciliation errors that compound silently until a fundraising round forces everyone to discover that the cap table reality differs from the cap table on file. Capdesk was founded in Copenhagen and grew up in London from 2015, building equity management software for private companies — a single source of truth for share allocations, option grants, vesting schedules, and shareholder communications. The product targets the gap between an Excel spreadsheet and a full-blown share registry: too small for the latter, too important to entrust to the former. Capdesk has built a strong client base across UK and European startups and scaleups, becoming one of the more trusted equity management platforms in Europe. The company was acquired by US-based Carta in 2023, consolidating the European equity management market under the umbrella of one of its largest global players. The acquisition reflects a broader pattern in private market infrastructure — the platforms that manage equity, fundraising, and investor relations are consolidating around a small number of comprehensive solutions. For European companies that built on Capdesk, the Carta acquisition brings them into a global platform with broader functionality at the cost of the local independence that some clients valued.

Finbee

Peer-to-peer business lending — connecting retail investors with creditworthy small businesses needing growth or working capital — represents a category within marketplace lending where the underwriting complexity is greater than consumer P2P but the credit characteristics are different. Finbee was founded in Vilnius in 2015 to build a Lithuanian platform offering both consumer and business P2P lending products, with an underwriting infrastructure designed to evaluate the specific risk characteristics of Lithuanian SMEs alongside individual borrowers. The platform has built a substantial domestic position in the Lithuanian marketplace lending segment, attracting both local and Pan-European investors looking for exposure to Lithuanian credit. Finbee's product range and operational depth reflect a decade of operating in a market that has been one of Europe's more active testbeds for P2P lending innovation — with multiple platforms, supportive regulation, and a retail investor base willing to engage with marketplace lending products. In the Baltic alternative lending landscape, Finbee represents the category of platform that has built durability through diversified product offerings and disciplined underwriting rather than aggressive growth — a positioning that has aged better than some of the more growth-focused models that dominated the early P2P era.

Paysera

Paysera is a Lithuanian fintech company that has quietly built one of Europe's most comprehensive payment and banking platforms, serving millions of users across the continent. Rather than chasing hype, Paysera focuses on practical utility—combining payment processing, digital accounts, currency exchange, and invoicing tools into a single interface that works across borders and languages. The platform powers everything from freelancers managing invoices to SMEs handling payroll, while also offering consumer-facing services like multi-currency wallets and competitive exchange rates. What sets Paysera apart is its unglamorous pragmatism: it solves real friction in how Europeans move, spend, and manage money across different countries, without the startup theatrics. It's the kind of company that doesn't dominate headlines but has become indispensable infrastructure for a significant portion of the continent's digital economy. In the crowded European fintech landscape, where newer players chase consumer attention and legacy banks chase compliance, Paysera operates in the profitable middle—trusted by businesses and individuals who value reliability and cross-border simplicity over brand prestige.

Roger

Roger is a Polish fintech that strips away the friction from business payments. The platform lets SMEs and larger companies manage invoices, payroll, and cross-border transfers from a single dashboard, built on the conviction that corporate banking needn't be byzantine. Rather than forcing businesses through legacy bank portals, Roger delivers everything via mobile app and web interface—think Wise for corporate operations, but integrated with accounting systems and designed for the realities of mid-market firms. The company has built its reputation on speed and transparency, particularly around FX costs that traditional banks obscure. Roger handles both domestic and international payments with a focus on reducing the overhead that eats into margins. Positioned squarely in the European corridor where businesses actually move money, Roger competes by making the whole experience feel native and built for 2024, not inherited from 2004. Within the broader fintech landscape, Roger represents the quiet revolution of infrastructure modernization—not blockchain theatrics or retail disruption, but the unglamorous work of rebuilding how companies pay each other.

New10

New10 is a Amsterdam-based fintech platform that has carved out a distinct niche in SME lending by combining AI-driven credit assessment with a marketplace model. Rather than traditional bank underwriting, the company uses machine learning to evaluate small business creditworthiness, then connects approved borrowers with a network of institutional lenders—a model that sidesteps the gatekeeping that keeps many SMEs shut out of conventional finance. The platform processes loan requests from companies across Europe, particularly in the Netherlands, offering faster turnaround and more transparent terms than legacy banking. What sets New10 apart is its infrastructure-first approach: it's built less as a consumer app and more as a B2B2C system that other platforms and financial institutions can integrate into their own offerings. The company has positioned itself as the connective tissue between borrowers desperate for working capital and investors hungry for diversified credit exposure. In a landscape where SME lending remains fragmented and inefficient, New10 functions as both platform and accelerant, democratizing access while simultaneously proving that algorithmic credit assessment can work at scale across European markets.

Moss

Moss sits at the intersection of accounting software and corporate card management, solving a problem most finance teams didn't know they had: the friction between spend and reconciliation. Rather than treating company spending as a backend problem, Moss puts it front and center, automating expense tracking the moment a transaction happens. This is not a card provider—it's a card manager that connects directly to your accounting software, turning chaotic card statements into clean, categorized data that actually matches your books. The platform catches the detail work that drains finance teams: duplicate expenses, misclassified transactions, policy violations. It spots them automatically. For mid-market companies drowning in spreadsheets and receipt chasing, Moss transforms corporate spending from a compliance headache into a streamlined data pipeline. Unlike legacy expense management tools that sit on the periphery of finance operations, Moss lives inside the accounting workflow, talking natively to systems like Xero and QuickBooks. The product appeals to companies that have moved beyond manual expense management but haven't quite solved the integration problem—where card data, accounting records, and policy compliance actually talk to each other. Moss represents a quiet but significant shift in how modern finance teams think about corporate spending: not as an administrative burden, but as actionable financial data.