Teylor AG

Overview
Teylor AG is a Zürich-headquartered financial technology company founded in January 2018 by Patrick Stäuble (Founder & CEO). It operates a three-pillar hybrid model — direct SME lending funded by institutional debt, a white-label SaaS lending platform sold to banks, and a Luxembourg-domiciled private debt fund — and is one of the largest independent SME lending platforms in Europe by combined debt and equity capital mobilised.
Why this entity matters
Teylor AG matters for four converging reasons. First, it is the operational centre of the current DACH SME lending consolidation cycle, having executed three consecutive acquisitions between April 2024 and September 2025 (creditshelf AG, grenke AG's factoring division across seven European countries, and CapeTec GmbH) using its institutional debt capacity rather than fresh equity. Second, it is a proven B2B and B2B2B FinTech infrastructure provider with SaaS deployments at Germany's largest state bank and major private-sector lenders. Third, it is one of the pioneers of tokenized SME private debt in Europe, through the December 2023 partnership with Taurus SA. Fourth, it is institutionally validated by tier-1 counterparty relationships spanning Barclays Bank PLC, M&G Investments, Fasanara Capital, KfW, and NatWest.
Company history and product
Teylor AG was incorporated in January 2018 in Zürich (Swiss commercial register CHE-309.114.120). Preqin lists Emanuele Montanelli as co-founder (role not independently verified). Teylor disbursed its first SME loan in early 2019, raised a ~€900K seed in April 2019, a CHF 8M Series A led by WENVEST Capital in June 2020, and a CHF 6.5M Series A2 at a ~CHF 40M post-money valuation in March 2022 led by Ilavska Vuillermoz Capital. Institutional debt followed: a €275M facility from Barclays Bank PLC and M&G Investments in June 2023 (arranged by NatWest), and a €150M facility from Fasanara Capital in October 2025. The three product pillars are: (1) Direct SME lending under teylor.com and country-specific domains, offering loans of €50K–€1M+ plus leasing, factoring, and hire-purchase to established SMEs; (2) Teylor Technologies — the SaaS suite Teylor.Flow (end-to-end digital lending workflow), Teylor.Insights (credit-risk analytics with the proprietary Teylor Alyze Score), and Teylor.Match (digital brokerage connecting SME financing requests to more than 20 financing partners); (3) Teylor Capital — the Teylor Debt Fund I, a Luxembourg-domiciled private-credit vehicle for German Mittelstand debt, extended into tokenized form through Taurus SA.
Market position and sector role
Teylor AG addresses European SME financing across DACH, the UK, Ireland, Poland, Hungary, Italy, and Portugal. Named SaaS bank clients include LBBW (Landesbank Baden-Württemberg), akf bank, VR Smart Finanz (DZ Bank Group), Deutsche Bank, DKB, and OLB; the company publicly claims more than a dozen bank clients in total. Teylor AG was named to the CNBC / Statista World's Top Fintech Companies 2025 list (Alternative Financing category). Its July 2024 API partnership with iwoca segments the DACH SME lending market by ticket size (iwoca €1K–€500K; Teylor €50K–multi-million), converting a direct competitor into a distribution partner. Direct-lending peer set (some now acquired) includes iwoca, auxmoney, October, Bitbond, Spotcap, and Funding Circle; the SaaS peer set includes Mambu, Oper Credits, Finflux, and COMPEON.
Selected relationships
Founder & CEO Patrick Stäuble. Board: Patrick Stäuble (Chair), Patrick Zbinden (CEO Capital Union Bank), Øyvind Oanes (CEO Morrow Bank ASA), and Christophe Aumaitre (Partner, WENVEST Capital). Senior team: Daniel Bartsch and Tim Thabe (both ex-creditshelf, joined via the 2024 asset deal), Veronika Missbichler (COO, ex-Paysafe), Huy Nguyen (CFO & Head of Private Debt), Amadeus von Kummer (CMO / MD Teylor Technologies), Andre Cordesmeyer (CCO), Joshua Mauk (CTO), and Stephan van Heerden (Teylor Technologies, ex-CapeTec / COMPEON). Equity backers include WENVEST Capital, Ilavska Vuillermoz Capital, Weisshorn Asset Management, Steinbeis Mechatronik, and Cedar Mundi Ventures. Institutional debt providers: Barclays Bank PLC, M&G Investments, and Fasanara Capital, with NatWest as arranger. Strategic partners: Taurus SA (tokenized SME debt), iwoca (DACH segmentation), KfW (2020 German COVID emergency loans), Oliver Wyman (2025 whitepaper on European SME lending), and industry bodies BVMW, BDU, and Steinbeis. Related Startuprad.io entities: https://www.startuprad.io/entities/patrick-staeuble , https://www.startuprad.io/entities/creditshelf .
Startuprad.io relevance
Teylor AG is a T1 pillar candidate for Startuprad.io's DACH FinTech and European SME lending clusters and a recurring reference point for coverage of the M&A-over-organic-growth thesis, the arm-the-banks hybrid model, and the emerging tokenized SME private-debt market. A dedicated Teylor AG founder interview is queued for the Startuprad.io main podcast.
Public source context
This profile draws on https://teylor.com and its news and blog subpages, the LinkedIn presences of the company and its CEO, Startupticker.ch, Financial IT, TechFundingNews, PitchBook, Dealroom, Preqin, Latka, RocketReach, Business Plus (Ireland), CNBC / Statista, and the Digital Lending Association 2024 Annual Report, together with CEO interview appearances on FinanceFWD, The Paypers, Business Insider, Finscale, and Startup Insider.

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Europe's SME Credit Gap Is Not a Funding Gap. It's an Underwriting Problem.
Published: 27 August 2026
Last updated: 27 August 2026
Coverage type: Interview
https://www.startuprad.io/post/european-sme-lending-teylor-patrick-staeuble

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