Credit built for the women building Europe's best businesses.
Banks weren't designed around the way modern small businesses actually grow.
Made is building a new kind of business credit for ambitious women founders — combining real-time financial data, intelligent underwriting and a beautiful, radically simple experience.
Flexible credit. Better decisions. Built around your business.
Join the founding 100
Why Made is for women
The system wasn't built for them. So we're building a better one.
Women founders in Europe are building exceptional businesses — but the credit infrastructure around them still lags behind. Made exists because the gap is structural, not personal.
Lower collateral, smaller loans
Women-owned businesses are more often asked for collateral they don't have — and receive smaller credit lines when they do qualify. Assets, not ambition, still decide too much.
Credit decisions without the full picture
Most lenders don't disaggregate data by gender — so the specific cash-flow patterns, repayment behaviour and growth curves of women-led businesses stay invisible.
Flexible work works against them
Part-time entrepreneurship, caregiving responsibilities and non-linear career paths can weaken a traditional credit profile — even when the business itself is strong.
The blind spot
Banks aren't rejecting women. They're measuring the wrong things.
Most lenders — incumbent banks and newer fintechs alike — still score a business on assets, filing history and a personal credit file. Those inputs quietly favour founders with property, uninterrupted careers and older companies. The business itself is barely in the room. Open banking and merchant data now make it possible to read the real thing: what comes in, from whom, how reliably.
What they score
Property and personal guarantees
What Made reads
Daily takings, deposits and settlement data
Collateral measures what a founder inherited or bought. Open banking data measures what the business actually earns.
What they score
Two years of filed accounts
What Made reads
The last 90 days of live cash flow
Filed accounts are up to 18 months stale. A café that doubled covers this spring is invisible until next year's filing.
What they score
A single consumer-style credit score
What Made reads
Revenue stability, customer repeat rate, seasonality
Thin-file and part-time founders get scored on absence of history rather than presence of trade.
What they score
One yes or no, once
What Made reads
A limit that moves with the business
Static decisions force founders to reapply at exactly the moment they can least afford the delay.
Made Intelligence
We're learning what a great coffee shop actually looks like.
Every business that joins teaches our models a little more about its trade and its city — what a healthy August looks like for a café in Lisbon, when a ceramics studio should be buying stock, how a hotel's deposits should be read. As those patterns sharpen, Made won't just decide — it will advise. Here is where our thinking starts.
Coffee shops & bakeries
Spain & PortugalCard-to-cash mix and weekday-morning concentration are the strongest signals of resilience. We look at whether takings hold through August, when tourist-belt sites swing hardest.
What we'd recommend
Size credit to cover 6–8 weeks of green-coffee and flour purchasing, not a full year. Drawing seasonally beats a term loan you carry through the quiet months.
Independent retail & ceramics studios
Netherlands & GermanyInventory turns and Q4 concentration dominate. Studios with wholesale as well as direct sales show far steadier repayment behaviour.
What we'd recommend
Pull stock finance in August–September, before the Christmas build. Keep at least a third of the limit undrawn for restocking on bestsellers.
Hospitality & independent hotels
Italy & FranceBooking-platform settlement timing creates real gaps between occupancy and cash. Deposits taken months ahead read as risk in a traditional model — to us they read as forward revenue.
What we'd recommend
Match repayment to settlement cycles rather than calendar months, and finance refurbishment in the shoulder season when the room block is smallest.
Wellness, studios & services
UK & IrelandRecurring memberships and class-pack renewals make revenue unusually predictable — one of the most underpriced profiles in small-business lending.
What we'd recommend
Use the membership base as the underwriting anchor. Fund a second room or practitioner off retention data, not a personal guarantee.
Guidance shown here reflects early Made research and is illustrative, not financial advice. Recommendations sharpen as founding members connect their data.
You built the business. Your credit should understand it.
Made looks beyond a traditional credit score. With your permission, we can connect to the financial data that already exists around your business — giving us a richer picture of your revenue, cash flow, customers and momentum.
That means credit can become:
More dynamic.
Access can change as your business changes.
More transparent.
See what you're eligible for and why.
More human.
No endless paperwork. No opaque process.
More ambitious.
Credit designed for businesses that are growing, not just businesses that fit an old template.
Made for the businesses
that make a city.
The businesses people actually love. Made is building the financial infrastructure behind them.
Your business deserves more than a yes or no.
Instead of treating credit as a one-time decision, Made is building dynamic access to capital. As your business grows, your available credit can evolve with it.
Use it for:
And see your business finances in one beautifully simple place.
Become a Made business.
The first 100 businesses will help us build the product from the ground up.
Founding members will receive:
- Early access to Made
- Priority underwriting
- Founding-member terms
- A direct line to the Made team
- Early access to new credit products
- A place in the first Made business community
Made is currently in development. Joining the waitlist does not guarantee approval or access to credit. All credit products will be subject to eligibility, underwriting and applicable regulatory requirements.