Teylor
Added ·
Funding history
150,000,000 EUR
Added · · Weekly update #101
Investors
Mentioned on the podcast
Patrick founded Teylor in 2018 to digitise the credit life cycle for small businesses, funding German SMEs with private debt investors and licensing its technology to banks.
Teylor's loans sit off its balance sheet in asset-backed structures with senior, mezzanine and junior investors.
Teylor has always raised equity when needed, has been at or near break-even, and has not used venture debt.
Teylor acquired creditshelf, its first M&A deal: Teylor lends roughly €100,000 to €1.5 million, creditshelf roughly €1–5 million.
With creditshelf, Teylor believes it is the largest alternative SME lender in the DACH region by size.
Teylor planned one more acquisition that year and several more the following year.
All creditshelf staff who joined received equity in Teylor through its employee share plan.
Teylor grew from 10–20 people a year earlier to 60–70.
In an integration, people and culture matter more than systems; Teylor will put them first in every future deal.
AI will cut underwriting costs first (one analyst handling 20 clients instead of 10) and later let Teylor price and serve new customer segments.
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