banks and neobanks
Unlock the potential of your SME clients
Offer financing even to clients you don't currently cover with your own lending. Generate a new revenue stream and strengthen retention without additional credit risk.
35%
Average increase in merchant transaction volume thanks to high credit limits.
Trusted by companies worldwide

Why do banks choose Lemonero?

Serve a larger portion of your corporate clients, generate a new revenue stream, and expand your offering without having your own lending product.
Increased transaction volume
Customers with external financing buy more and more often. Our partners see an average increase in transaction volume of +35%.
Business support
Your customers can invest in inventory, marketing, and expansion immediately. No need to wait days or weeks for a bank loan.
New revenue stream
Earn a commission on every loan funded. A new revenue stream for you.
Higher client retention
Clients with access to financing are less likely to leave. Reduce churn and increase LTV by up to 58%.
Zero risk
Lemonero assumes 100% of the default risk. You offer it through your interface, while we handle the financing and collections.
In your brand
The entire solution runs under your brand. Your customers see your logo, your colors, and your branding.

Case studies from our merchants

"Our long-term goal is to make modern financial tools accessible to small and medium-sized businesses. We are piloting this solution with a selected segment of our corporate clients, because we want to bring our clients new and effective solutions that help them secure financing for further growth. Working with a fintech partner allows us to bring speed, know-how, and new financing options."
Monika Beseda
Partnership Manager, Tatra banka
"Lemonero Financing supports the growth of our clients. Otherwise, they would be limited to their own capital, which is often not enough to reach the full potential of their business - and, in turn, to fulfill their dreams. The newly launched GoPay Financing service also protects our clients from losses and potential business failure. All of this will drive the overall growth of e-commerce."
Petr Vaněk
CEO GoPay
"The speed and quality with which Lemonero prepared the solution, along with their immediate responses to our and our customers' ever-changing requirements, were truly excellent. Thanks to their solution, we now offer a product that relieves customers of cash flow worries and overall boosts the performance of the B2B segment."
Lada Šmolková
CFO Hornbach CZ/SK

Lemonero in Numbers

We build on client satisfaction and retention. Our platform has processed thousands of financing applications across European markets.
€400 million +
in approved financing volume
for B2B customers across European markets
Case studies
85 %
customer retention
95%
applications approved thanks to AI
Fast
approval
money in your account within minutes
10-25%
increase in customer revenue

Two products, two financing models, one goal.

Choose the model that best suits your merchants. Both are fully automated and integrated into your platform.
Revenue-Based Repayment
Interest from 0.8% / month
Repayments mirror the merchant's cash flow. We deduct a pre-agreed percentage from each transaction. When the merchant earns more, they pay back more. During slower periods, repayments adjust accordingly.
Flexible repayments based on current revenue
No fixed repayment schedule
Ideal for seasonal businesses
Automatic deduction from transactions
No hidden fees
Fixed monthly installments
Interest from 0.8% / month
A fixed monthly installment so you always know exactly what you'll pay at the end of the month. Predictability for merchants who prefer stability.
Fixed monthly amount
Certainty and clarity
Ideal for stable businesses
3-12 month repayment terms
No hidden fees
Your merchants' growth means your growth, too.
Earn commissions on business loans. When a merchant sells more, they process more transactions. Integrate smart financing into your platform that helps both you and your merchants grow. Risk-free, without complex development, and fully under your own brand.
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Tailored offers
Financing based on real-time data. We respect the cash flow and seasonality of entrepreneurs.
Increase merchant retention.
Merchants prefer having everything in one place. Provide them with financing right where they do business every day.

How It Works?

Frequently Asked Questions

What does Lemonero integration mean for us as a partner?

You get ready-made financing for your merchants under your own brand, without having to build your own credit product. You focus on your core business and client care, while we handle the scoring, payouts, and financing management in the background.

How demanding is the technical integration?

Minimal. The connection is made via our API and typically takes a team just a few weeks, not months. You don't need to build your own scoring, risk engine, or back office – Lemonero handles all of that.

Do we bear any credit risk as a partner?

No. Lemonero assumes 100% of the risk for the funds provided. As a partner, you offer financing to your merchants, but the credit risk remains on our side.

How does the commission model work?

You earn a commission for every brokered and disbursed financing deal – this is based on the volume of financing processed through you. We set specific terms individually based on the type of partnership and expected volume.

What types of financing can we offer merchants?

Lemonero Financing is available as Revenue-Based Financing (repayment as a % of daily sales) or fixed installments (term loan with fixed monthly payments), and now also Business Credit for invoice purchases / trade credit. We select the specific combination based on the profile of your merchants.

What does Lemonero handle on its end?

The complete process: AI scoring and application approval, fund disbursement, repayment management, collections, and the regulatory and compliance aspects of financing. As a partner, you provide the interface for the merchant, while we handle all the backend processes.

Which markets can we collaborate in?

We currently work with partners in the Czech Republic and Slovakia and are actively expanding our coverage to other European countries. If your business operates beyond these markets, we would be happy to discuss expansion opportunities with you.

Schedule a free, no-obligation online demo for your business.