What we do
MicroEurope invests in, and partner with, financial intermediaries and fintech companies to scale inclusive finance across Europe.
Our investments provide the capital and strategic resources needed to expand access to affordable financing for small and micro enterprises, low-income households and individuals underserved by traditional banking.
Targets:
We invest in microfinance institutions, tech-enabled platforms, and alternative lenders that drive financial inclusion. Our portfolio targets companies that provide credit, savings, payments, and insurance solutions to underserved communities.
Investment Size:
We offer flexible capital solutions from €250,000 to €1 million, tailored to the specific needs of our investees at different stages of growth. We also facilitate follow-on funding to help companies scale effectively.
Strategic Support:
Driving value creation by actively engaging in strategy, governance, and execution support, ensuring investees scale effectively. We provide hands-on support in strategic direction, risk management, and operational excellence, enabling long-term growth.
Market Intelligence & Network Access:
Leveraging our industry knowledge and institutional partnerships to accelerate business growth and scalability.
Impact & ESG Alignment:
Ensuring all investments align with measurable impact goals, particularly in financial inclusion, economic empowerment, and climate resilience.
Why
Building a more equitable and sustainable financial system, an inclusion GAP
Despite the well-developed financial markets, millions of people in Europe remain excluded from essential financial services.
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​We target the systemic funding gaps that prevent inclusive finance from scaling:
• Over 30 million Europeans still lack access to formal financial services.
(European Commission)
• 65% of European SMEs struggle with funding shortages, limiting job creation and economic growth.
(European Central Bank)
• 90% of MFIs face difficulties in securing long-term capital, preventing them from expanding their reach. (European Microfinance Network)
• Around 95 million people (more than 20% of the EU population) are at risk of poverty.
(European Commission)
• €13 billion financing gap for microfinance and social impact lending across Europe.
(EIF & OECD)
• Fintech solutions are growing, but early-stage and scaling fintechs lack patient capital to deploy their innovations at scale.
Why Now
A shift in financial inclusion.
A market ready to scale
The microfinance market is growing rapidly, yet MFIs and other inclusive finance providers struggle to meet demand due to regulatory hurdles, limited funding, and capacity gaps, restricting their ability to meet this need.
We bridge this gap by empowering both established and emerging players to scale—ensuring that more individuals and businesses gain access to the financing they need.
The financial inclusion landscape is evolving fast, and capital must move now to fuel growth. Key factors reinforcing urgency include:
• Regulatory Momentum – European policies such as the EU Social Economy Action Plan and InvestEU are unlocking capital for inclusive finance.
• Unmet Demand for Alternative Lending – Traditional banking fail to serve many micro and small businesses and underserved groups of the population, driving demand for new financing solutions.
• Rising of Digital Finance – Fintechs, digital lending and embedded finance, are transforming access, but need strategic capital to scale.
• Institutional Appetite for Measurable Impact – Investors are increasingly prioritizing financial returns with a clear and measurable social impact, making inclusive finance a growing asset class.