History
Building the financing solution SMEs deserve

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We started by fixing what was missing in SME financing.

What began as a mission to better serve small businesses became a trusted platform used by thousands. With Froda Embedded, we're expanding our reach through partners, making financing more accessible while staying true to our purpose: empowering SMEs to grow on their own terms.

A selection of SMEs we have helped during the years
2015
The platform wasn't the start.
It completes what we started.
Over a decade ago, we saw a gap in the market. SME financing was broken, and as a result, small businesses weren’t getting the experience they deserved, or access they needed. No one really did anything to fix it – but we set out to change that.
32 million small businesses
Small and medium-sized enterprises in the EU. Representing 99% of all businesses.
The backbone of our economy
SMEs employ two out of every three employees and create 85% of all new jobs.
€400bn financing gap
The SME bank financing gap that we set out to fill when starting Froda back in 2015.
We rebuilt financing from the ground up, with a full commitment to serve SMEs. The result is a platform where every part of the experience – from infrastructure and risk models to onboarding and repayment – was crafted in-house, shaped by real-world insights and tailored to the needs of small businesses.

It didn’t take long before small businesses took notice and we became the most trusted SME financing options on the market. Since then, we’ve helped thousands of small businesses access financing – enabling them to invest, grow and turn their ideas into lasting impact.

The scope has expanded.
The mission remains the same.
With Froda Embedded, we’re taking the next step in our pursuit of helping as many SMEs as possible. By opening up our platform – allowing banks, fintechs and other SME providers to integrate our solutions into theirs – we’re able to help more small businesses than we would have been able to do by ourselves.
2019 was the opening of our platform, to what became Froda Embedded
Today
Helping small businesses. Make a big difference.
The platform, the experience and the purpose remain the same. It’s just delivered under a different name. For partners, Froda Embedded provides an opportunity to better serve their customers, and for both them and their customers to gain from it. The partner gets an additional revenue stream, fosters stronger relationships with their customers and improves the overall trajectory of their business.

For their customers, it means better, faster and smoother access to financing – from a provider they already trust. And for us, things haven’t changed. Our mission will always be making financing accessible to the best possible terms – in order to give every small business the tools to grow on their own terms.

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Discover how Embedded can support your business and get a better understanding on why you should offer financing to your customers.
Added revenue stream
Increased engagement
Reduced churn
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