Finbee Verslui Secures €55M SME Lending Facility

Lithuanian fintech lender Finbee Verslui has significantly expanded its capacity to support small and medium-sized enterprises (SMEs) with a new €55 million credit facility from UK-based private capital firm Pollen Street. This substantial capital injection, an increase from a previous €35 million facility, is set to empower Lithuanian businesses navigating a challenging European credit environment characterized by rising interest rates and tighter bank lending conditions.

The enhanced funding arrangement allows Finbee Verslui to more than triple its maximum loan offering for businesses, raising the ceiling from €250,000 to €800,000. This strategic move enables the company to cater to a broader spectrum of SME financing needs, including larger working capital requirements and extended repayment terms, positioning it as a more formidable competitor against traditional banking institutions in the region.

This development arrives at a critical juncture for European SMEs. Data from the European Central Bank's Q2 2026 Survey on the Access to Finance of Enterprises indicated a widening financing gap for smaller businesses, with a net 5% reporting declining access to bank loans. Concurrently, 43% of SMEs experienced higher interest rates on existing bank facilities, underscoring the growing demand for agile and accessible alternative financing solutions.

Finbee Verslui, established in 2017, has built its reputation on a digital-first approach, offering rapid loan assessments and approvals, often within hours. The company has a proven track record, having originated over €180 million in loans to more than 4,000 businesses since its inception. In 2025 alone, the firm facilitated over €40 million in new lending, demonstrating its operational efficiency and market penetration.

The expanded credit line from Pollen Street, a firm managing over €9 billion in assets, signifies a strong vote of confidence in Finbee Verslui's business model, credit performance, and the potential of the Lithuanian SME market. Paul Varty, Investment Director at Pollen Street, highlighted Finbee Verslui's disciplined lending practices and high-quality loan portfolio as key factors in their continued partnership.

This strategic capital infusion is expected to bolster Finbee Verslui's competitive edge by enabling it to serve established SMEs with more significant funding requirements. The company's CEO, Tomas Mačiulaitis, expressed enthusiasm for the increased capacity, emphasizing its role in supporting entrepreneurs' growth ambitions and existing clients' evolving financial needs. The partnership, initially forged in July 2024, now represents a significant step in addressing the financing gap faced by Lithuanian businesses.

The broader implications of this deal extend to the alternative lending sector across Europe. As traditional banks recalibrate their lending strategies, non-bank lenders like Finbee Verslui are increasingly capturing market share by offering speed, digital convenience, and flexible loan structures. The success of this expanded facility will hinge on Finbee Verslui's ability to deploy the additional capital effectively while maintaining robust credit quality.