Nemuru

nemuru.com ↗ ·Barcelona ·Seed

Nemuru is a Barcelona-based fintech that provides embedded lending and alternative payment infrastructure, letting merchants and service professionals offer 100% online point-of-sale financing (instalment plans/loans of up to ~€30,000) to their customers. Founded in 2016 out of Antai Venture Builder, it launched in the home renovation sector and expanded into vehicles, travel, rentals, education and other services, partnering with banks including Banco Sabadell. It has raised roughly €4-7M across three rounds, with its latest reported round (Series A) in February 2022; investors include InnoCells (Banco Sabadell) and Bankia Fintech Venture.

Founded

2016

Founders

Total funds raised

€3.6M

SectorsFintech, Embedded finance, Lending, Point-of-sale financing, BNPL, Payments Start-up MapFintech › Payments & merchant checkout

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Founders

Enric Gilabert

CPO & Co-founder

Natalia Piccinin

CRO & Co-founder

Pere Monràs Oliu

CEO & Co-founder

Global models 5

Klarna

Sweden · www.klarna.com ↗

Offers point-of-sale instalment financing inside merchant checkouts, earning mainly from merchant fees plus consumer interest on longer plans, the same embedded model as Nemuru at global scale.

$4.5BComparable

Affirm

United States · www.affirm.com ↗

Provides merchants with embedded online point-of-sale loans of up to tens of thousands of dollars, earning merchant discount fees and consumer interest, the closest large-scale match to Nemuru's high-ticket instalment loans.

$1.5BComparable

Tabby

Saudi Arabia · tabby.ai ↗

Offers embedded instalment plans at the point of sale for merchants across the Gulf and earns mainly from merchant fees, a checkout-financing model like Nemuru's.

$1.2BComparable

Scalapay

Italy · www.scalapay.com ↗

A European pay-in-instalments provider that merchants add to their online and in-store checkouts, paid through merchant fees in the same way as Nemuru.

$700MComparable

Sunbit

United States · sunbit.com ↗

Provides point-of-sale financing for service businesses such as car repair, dental and optical, very close to Nemuru's focus on service professionals and high-value services.

$300MComparable