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What We Do

One Investment at a Time.

MicroEurope invests in, and partners 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.

Our Approach

How We Invest

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 Financial System

Despite well-developed financial markets, millions of people in Europe remain excluded from essential financial services. We target the systemic funding gaps that prevent inclusive finance from scaling.
Why Now

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.

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 fails to serve many micro and small businesses and underserved groups of the population, driving demand for new financing solutions.

Rise 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.

Impact

Early Evidence From a Young Portfolio

Preliminary impact data from our current portfolio. Our impact record is being built now.
≈25%
of investees' combined portfolio lent to women-led businesses
66%
of Instant Factoring clients are first-time borrowers, new to banks
989
new jobs created in 2025 by Instant Factoring clients; 5,326 maintained
€2,100
average loan size at KosInvest — our deepest-outreach investee

Let's Talk Impact.

For inquiries, please reach out to our team.

Contact Us