Teylor
Teylor AG is a Swiss digital SME lending platform combining direct business loans (EUR 50K–EUR 1.5M) with modular SaaS credit technology (Flow, Insights, Match) licensed to banks and insurers, serving European SMEs and financial institutions through automated credit scoring and a 20+ partner financier network.
- Company typePrivate
- Founded2018
- HeadquartersZürich, Switzerland
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Teylor does
Teylor AG is a Swiss-headquartered SME lending and credit technology platform founded in 2018 and based in Zürich, operating a dual-function business that combines direct SME financing with a modular SaaS platform licensed to banks and financial institutions. On the lending side, Teylor offers unsecured business loans (EUR 50,000 to EUR 1.5 million), leasing, factoring, and hire purchase to small and medium enterprises, primarily in Germany and across the DACH region, funded through Teylor Debt Fund I and institutional debt facilities from Barclays, M&G Investments, and Fasanara Capital.
The technology platform comprises three interconnected modules: Teylor.Flow (digital credit origination through a white-label application portal), Teylor.Insights (OCR-based automated financial analysis and the proprietary Teylor Alyze Score for SME creditworthiness assessment), and Teylor.Match (B2B mediation routing SME credit requests to 20+ partner banks and financiers). A Lending-as-a-Service offering launched in October 2023 enables B2B partners to embed SME credit capabilities. Revenue is generated through net interest income from originated loans, recurring SaaS subscription fees for the technology modules, and transaction fees on Match-mediated credit requests.
The company pursues an aggressive M&A strategy, having acquired creditshelf in April 2024 (a German SME financing platform), parts of Grenke AG's factoring business in 2025, and CapeTec over the past 18 months, positioning itself as a leading European independent digital credit provider for SMEs. Prior to the creditshelf acquisition, Teylor had processed EUR 2 billion in financing volume and was recognized as a Top 100 Global Fintech Company by CNBC and Statista in 2025.
Teylor firmographics
Firmographics- Name
- Teylor
- Legal name
- Teylor AG
- Website
- https://teylor.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Teylor AG is a Swiss digital SME lending platform combining direct business loans (EUR 50K–EUR 1.5M) with modular SaaS credit technology (Flow, Insights, Match) licensed to banks and insurers, serving European SMEs and financial institutions through automated credit scoring and a 20+ partner financier network.
- Ownership category
- akta.pro rank
Where Teylor is headquartered
LocationHeadquarters
- HQ city
- Zürich
- HQ country
- Switzerland
- HQ region
- Europe
Offices3 records
Markets served
Teylor business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Net Interest Income / Loan Origination Spread: Teylor originates loans through its platform and own credit fund (Teylor Debt Fund I). Revenue is generated through the interest rate spread between the rate charged to borrowers and the cost of funding from institutional investors. Loans range from EUR 50,000 to EUR 1.5 million for SMEs.
- SaaS Software Licensing (Flow, Insights, Match): Teylor licenses its modular lending technology (Teylor.Flow, Teylor.Insights, Teylor.Match) to banks, financial institutions, brokers, and insurance companies. Offered as browser-based SaaS with no complex core banking system integration required. Revenue is recurring SaaS/subscription fees.
- Transaction / Matching Fees: When Teylor.Match routes credit requests to partner banks and financiers, transaction fees are earned. The platform matches borrowers with over 20 partner banks and financiers, earning fees per successful match.
- Acquisition-Driven Scale (creditshelf): Following the acquisition of creditshelf in April 2024, Teylor expanded its loan volume and customer base. The acquisition contributes additional financing volume and product breadth (additional credit products), strengthening the net interest income stream.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Business Loans: EUR 50,000 to EUR 1.5 million unsecured loans for SMEs |
| Subscription | Monthly | SaaS Modules (Flow, Insights, Match): subscription-based for banks and financial institutions |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Teylor product offering
Product offeringCore offering
Teylor is a digital SME lending platform that originates unsecured business loans ranging from EUR 50,000 to EUR 1.5 million to small and medium enterprises, typically disbursed within 48 hours. In parallel, Teylor licenses modular SaaS technology (Teylor.Flow for digital loan origination, Teylor.Insights for automated credit analysis, and Teylor.Match for B2B lender matching) to banks, insurers, and brokers. The company also operates the Teylor Debt Fund I, providing institutional investors access to a diversified SME credit portfolio.
Product overview
Teylor operates as a dual-function fintech company combining an SME financing marketplace with a modular SaaS lending technology platform. The platform architecture consists of three interconnected modules: Teylor.Flow (digital loan origination), Teylor.Insights (automated creditworthiness analysis), and Teylor.Match (automated lender matching with 20+ partner institutions). These modules can be deployed individually or as an integrated suite, with white-label options available. On the financing side, Teylor directly offers business loans (€50K-1.5M), leasing, factoring, and hire purchase for SMEs, while Teylor Capital's Debt Fund I provides institutional investor access to SME credit portfolios. The company also offers a Lending-as-a-Service solution for B2B partners to embed SME financing capabilities.
Differentiator
Problem solved
Functional benefit
Brands
- Teylor.Flow: Digital credit application module for banks and brokers enabling SMEs to apply for credit digitally
- Teylor.Insights
- Teylor.Match
- Teylor Debt Fund I
Products and services
- Business Loans (Firmenkredite) Unsecured business loans for SMEs ranging from EUR 50,000 to EUR 1.5 million, with digital application, credit decisions in milliseconds, and payout within 48 hours (1-2 business days). Targeted at SMEs with at least EUR 50,000 annual revenue and two years of operational history, with no collateral or personal guarantees required.
- Leasing
Quantifiable outcome
- Loans processed in seconds/minutes with credit decisions in milliseconds using digital technology
- +5 more outcomes
Companies that use Teylor
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles4 records
Teylor technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability5 records
Feature4 records
Teylor partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core and minor.
- Grenke AG (Factoring Business)coreTeylor acquired parts of Grenke AG's factoring business in early 2025 (announced April 2025 per Bloomberg). The acquisition expands Teylor's factoring operations as part of its aggressive M&A strategy. Bloomberg reported on the acquisition in April 2025.
- creditshelf AGcoreTeylor acquired German SME financing platform creditshelf through an asset deal in April 2024, with the transaction closing in May 2024. The acquisition expanded Teylor's product offerings, customer base, and technology, establishing leadership in the European SME credit market. The acquisition was completed through self-administration proceedings ordered by the Frankfurt am Main Local Court.
- CapeTecminorTeylor acquired CapeTec over the past 18 months as part of its expansion strategy, alongside creditshelf and Grenke's factoring business. CapeTec contributes additional technology and market capabilities.
- Deutsche BankcoreDeutsche Bank is listed as one of over 20 partner financiers on Teylor.Match, receiving credit requests matched by Teylor's platform based on their acceptance criteria. They represent a distribution channel for Teylor's matched SME borrowers.
- CommerzbankcoreCommerzbank is one of over 20 partner financiers on Teylor.Match, receiving matched credit requests from the platform. Represents a key distribution partner for routing SME financing demand.
- VolksbankcoreVolksbank is one of over 20 partner financiers integrated with Teylor.Match, receiving credit requests matched by Teylor's platform based on product fit and credit criteria.
- iwocacoreiwoca, a European SME lender, is listed as one of over 20 partner financiers on Teylor.Match, receiving matched SME credit requests from Teylor's platform.
- GrenkecoreGrenke is listed as a partner financier on Teylor.Match (distinct from the acquired Grenke factoring business). Grenke receives matched SME leasing and factoring requests from Teylor's platform.
- abcfinanceminorabcfinance is one of the partner financiers on Teylor.Match, receiving matched credit requests for SME financing.
- Steinbeis FoundationminorSteinbeis Foundation is listed as a network partner of Teylor, part of a wide network of finance, fintech, and SME specialists providing comprehensive expertise to Teylor's customers.
- Swiss Fintech AssociationminorTeylor is a member of the Swiss Fintech Association, which connects Swiss fintech companies and promotes the sector.
- BDU (German Association of Management Consultants)minorBDU is listed as a partner network member, providing Teylor with access to a network of management and financial consultants.
- BVMW (German SME Association)minorBVMW (Bundesverband der Mittelständischen Wirtschaft) is listed as a partner, connecting Teylor with the German SME ecosystem.
- Swiss Finance + Technology AssociationminorSwiss Finance Technology Association is listed as a partner, connecting Teylor with Swiss fintech ecosystem participants.
- Union Capital BankminorUnion Capital Bank's CEO, Patrick Zbinden, serves on Teylor's Board of Directors, representing a strategic relationship between Teylor and Union Capital Bank.
- Morrow Bank ASAminorMorrow Bank ASA's CEO, Oyvind Oanes, serves on Teylor's Board of Directors, representing a strategic relationship with the Norwegian digital bank.
Scale indicators6 records
Recent moves6 records
Expansion highlights7 records
Teylor competitors and assessment
Company assessmentDirect peers
- iwoca: London-based SME lending platform providing short-term working capital loans to small businesses across the UK and Europe; the closest pure-play comparable to Teylor's direct lending business model and is itself listed as a Teylor.Match partner.
- Funding Circle: Publicly listed UK SME lending marketplace that originates and funds small-business loans via institutional capital; highly comparable business model to Teylor's Debt Fund I + Teylor.Match construct.
- Liberis: Embedded SME finance platform serving European small businesses via revenue-based financing and embedded partnerships; overlaps with Teylor's Lending-as-a-Service and B2B marketplace approach.
- OakNorth Bank: UK challenger bank specializing in SME lending with proprietary credit data analytics; comparable to Teylor in combining data-driven credit decisioning with bank-grade balance-sheet lending.
- October (Lendosphere): European marketplace lending platform dedicated to SME financing across multiple jurisdictions; shares Teylor's pan-European SME lending ambition and multi-lender distribution model.
- Younited Credit: French-regulated consumer and SME credit marketplace operating across Europe with multiple institutional funding partners; comparable two-sided credit platform model to Teylor.Match.
- Stenn: International trade and SME financing platform providing working capital to exporters and SMEs via institutional funding; comparable to Teylor Capital's Debt Fund I deployment of institutional capital into SME credit.
- Lendio: US-based small-business loan marketplace aggregating multiple lenders; closely comparable to Teylor.Match on the brokerage/aggregation side of the SME lending funnel.
- nCino: Publicly traded cloud banking platform with a dedicated SME commercial-lending module; directly comparable to Teylor.Flow and Teylor.Insights as SaaS credit-origination technology sold to banks.
Emerging players
- Tide: UK SMB-focused digital business bank with embedded lending and a £100M+ Fasanara Capital facility; comparable to Teylor's combination of business banking, embedded SME credit and institutional debt funding.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Teylor social profiles
Digital presenceTeylor compliance and trust
Trust signalCompliance1 record
Teylor financial estimates
Financial estimateRevenue estimate
Valuation estimate
Teylor leadership team
Management profileNumber of profiles
Profiles14 records
Teylor subsidiaries and ownership
Company hierarchySubsidiaries3 records
Teylor funding detail
Funding detailFunding overview
Funding rounds5 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Teylor M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Teylor
What does Teylor do?
Teylor is a digital SME lending platform that originates unsecured business loans ranging from EUR 50,000 to EUR 1.5 million to small and medium enterprises, typically disbursed within 48 hours. In parallel, Teylor licenses modular SaaS technology (Teylor.Flow for digital loan origination, Teylor.Insights for automated credit analysis, and Teylor.Match for B2B lender matching) to banks, insurers, and brokers. The company also operates the Teylor Debt Fund I, providing institutional investors access to a diversified SME credit portfolio.
Is Teylor a public or private company?
Teylor is a private company. It is classified as venture growth investor backed and is currently operating.
When was Teylor founded?
Teylor was founded in 2018. It employs 51 to 100 people.
Where is Teylor based?
Teylor is headquartered in Zürich, Switzerland, in the Europe region.
How does Teylor make money?
Four revenue lines are on record. Net Interest Income / Loan Origination Spread is the primary driver. The others are saaS Software Licensing (Flow, Insights, Match), transaction / Matching Fees and acquisition-Driven Scale (creditshelf).
Who are Teylor's main competitors?
Direct peers on record are iwoca, Funding Circle, Liberis, OakNorth Bank, October (Lendosphere), Younited Credit, Stenn, Lendio and nCino. Tide is listed as an emerging player.
Does Teylor have an API?
Yes. Teylor offers an API-based integration option for its Teylor.Match platform, enabling partners to connect the financing platform into existing systems via API integration. Additionally, Teylor's white-label lending solutions (Teylor.Flow) support API connectivity for embedding digital loan origination into partner environments. The platform provides developer access through partner portal endpoints.