Teybridge Capital Europe

What Teybridge Capital Europe does

Teybridge Capital Europe is the Dublin-headquartered European fintech arm of the Teybridge Group, structured as a joint venture between Specialist Financial Solutions and Skybound Capital. The company provides working capital funding and structured trade finance solutions to small and medium enterprises engaged in international commodity trade and manufacturing, targeting deal sizes between USD 500k and USD 20 million — a segment underserved by traditional banks following post-2008 balance sheet retrenchment. Its core product suite comprises Invoice Purchasing Finance, Structured Trade Finance, Structured Import Finance, and Supply Chain Finance, delivered through its proprietary digital platform BRIDGE, with risk mitigation via hedging instruments, credit insurance, and collateral management.

The business operates a transaction-fee revenue model, generating fees and interest income on structured trade facilities across Ireland, the UK, and the US. It maintains a multi-jurisdictional footprint with offices in Dublin (HQ), London (regional HQ), Cape Town, and Mauritius, and as of October 2025 reports a £500M lending portfolio, with the UK representing over 60% of its client base. In October 2025, Baghdadi Capital made a strategic £50M investment (scalable to £500M) taking a board seat, and the company subsequently acquired London-based fintech Atom CTO in November 2025, rebranding it as Teybridge Tech under founder-turned-CTO Bhairav Patel. In March 2026, Teybridge announced a £600M commitment to deploy financing to British SMEs over three years alongside €5.2M in UK operational investment and 30 new London hires.

Distribution is direct-to-SME through the BRIDGE platform, supplemented by participation in business summits and the UK-Ireland business corridor. The company has no disclosed public pricing tiers, no named customer logos, and no disclosed revenue figures; growth signals are primarily capital-led (£50M Baghdadi investment, $58.6M Q4 2025 raise, $67.2M disclosed in funding-round data) and expansion-led rather than revenue-disclosure-led.

Name

Teybridge Capital Europe

Legal name

Teybridge Capital Europe

Website

https://teybridge.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Teybridge Capital Europe is a Dublin-based fintech providing working capital and structured trade finance to SMEs in commodity trade and manufacturing across Ireland, the UK, and the US via its proprietary BRIDGE platform, targeting deal sizes of USD 500k–USD 20M.

Ownership category

akta.pro rank

Product category

Trade Finance

NAICS

Commercial Banking (52211)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

Keywords

• Trade finance solutions
• Working capital funding
• Supply chain finance
• Invoice purchasing finance
• Structured import export finance

Headquarters

HQ city

Dublin

HQ country

Ireland

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Trade Finance Facilities: Revenue generated from providing structured trade finance facilities to businesses, including invoice purchasing finance, structured import/export finance, and supply chain finance. The company earns fees and interest income from facilitating international trade transactions for SMEs with deal sizes between USD 500k and USD 20 million.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Teybridge Capital Europe provides working capital funding to small and medium enterprises through structured trade finance solutions delivered via its proprietary BRIDGE fintech platform. The company targets deal sizes between USD 500k and USD 20 million — below typical bank thresholds — across invoice purchasing, structured import/export finance, and supply chain finance. Its methodology dispenses with standard balance sheet lending requirements by shifting or mitigating risk through hedging instruments, options, credit insurance, and collateral management.

Product overview

Teybridge Capital Europe operates as a unified fintech platform delivering working capital funding through structured trade finance solutions. The core offering centers on the proprietary BRIDGE digital platform, complemented by four distinct financing products: Invoice Purchasing Finance, Structured Trade Finance, Structured Import Finance, and Supply Chain Finance. These products work together to serve SMEs across Ireland, the UK, and the US, with deal sizes ranging from USD 500k to USD 20 million. Additionally, Teybridge Tech operates as a specialized fintech division focused on platform innovation and digital solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Purchasing Finance Financing solution that enables businesses to unlock cash flow from outstanding invoices, supporting liquidity for SMEs engaged in domestic or international trade.
• Structured Trade Finance Off-balance-sheet financing model that facilitates import and export transactions for businesses ranging from small enterprises to multinational corporations, focusing on deal sizes between USD 500k and USD 20 million.
• Structured Import Finance Structured financing solution designed to help importers secure working capital for purchasing goods from overseas manufacturers, bridging the gap between order placement and goods receipt.
• Supply Chain Finance Financing solution that supports the complete commodity value chain by providing timely working capital solutions to suppliers, distributors, and wholesalers throughout the supply chain.

Quantifiable outcome

• Deployed £600 million in lending to British SMEs over three years commitment
• +1 more outcomes

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Atom CTO (now Teybridge Tech)coreStrategic or Co-development Partner · 1 November 2025Teybridge Capital Europe completed the strategic acquisition of London-based fintech Atom CTO to establish a new division called Teybridge Tech. The integration aims to enhance fintech platform solutions for clients across Europe. Atom CTO's founder Bhairav Patel will lead Teybridge Tech and serve as CTO of Teybridge Capital Europe.
• Skybound CapitalcoreStrategic or Co-development PartnerSkybound Capital partnered with Specialist Financial Solutions to form Teybridge as a joint venture. The partnership combines private capital investment expertise with structured trade finance knowledge to provide bespoke short-term structured trade finance solutions to SMEs and larger enterprises.
• Specialist Financial SolutionscoreStrategic or Co-development PartnerThrough its two principals, Specialist Financial Solutions provides structured financing solutions through innovative off-balance sheet structured financing models. Partnered with Skybound Capital to form the Teybridge joint venture company.
• LC AbelheimminorOthersLC Abelheim is a specialist service provider with expertise in Offshore Companies, Trusts, Foundations and Fund Administration. Licensed and regulated by the Financial Services Commission in Mauritius.

Scale indicators7 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• MarketFinance: UK fintech providing invoice financing, business loans, and working capital to SMEs via a digital platform. Comparable on customer (SME), product mix (invoice purchasing and working capital), and UK-focused digital origination model.
• Stenn: Global fintech specialising in cross-border trade finance for SMEs, with deal sizes in a similar range. Highly comparable in target market (SME international trade), product (invoice/trade financing), and risk-mitigation approach using underlying trade strength.
• iwoca: UK-based fintech providing working capital loans and lines of credit to SMEs. Directly comparable to Teybridge on customer segment (SMEs), product type (short-term working capital), geography (UK), and digital platform-led origination model.
• Capital on Tap: UK-based fintech offering working capital credit lines and small business loans to SMEs. Comparable in target segment (UK SMEs), product (working capital/revolving facilities), and digital-first delivery model.
• Clearco: Provides revenue-based financing and working capital to SMEs. Comparable on customer segment (SMEs needing short-term working capital) and digital platform delivery, though focused more on e-commerce/SaaS revenue advances than trade finance.
• Demica: Supply chain and trade finance platform serving corporates and financial institutions. Comparable in product category (supply chain and structured trade finance) and risk-mitigation-led approach, though more tech-platform oriented than direct originator.

Broad incumbents

• Funding Circle: UK-listed platform providing SME loans across multiple products. Comparable customer segment (SMEs) and digital origination, but operates more broadly across term loans and SMB credit rather than trade finance specifically.
• Tide: UK-based digital business banking platform serving SMEs with accounts, lending, and embedded financial services. Comparable customer base (UK SMEs) and digital platform model, but broader business-banking scope rather than trade-finance specialism.
• OakNorth Bank: UK commercial bank focused on SME and mid-market lending. Comparable in serving SMEs with credit solutions, but operates as a deposit-taking regulated bank with a broader product set than Teybridge's trade finance focus.
• HSBC Trade and Receivables Finance: Global bank's trade finance and receivables finance franchise. Directly overlapping with Teybridge's product category (trade and receivables finance) but at much larger scale, with balance-sheet lending rather than Teybridge's off-balance-sheet methodology.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/teybridge-capital-europe-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Teybridge Capital Europe