Teya and finmid Report an NPS of 86. Are Funders Asking Their Customers?

I came across Teya and finmid’s embedded-financing announcement: merchant cash advances are now available to eligible Teya merchants in Croatia and Hungary, with an early-stage pilot in Portugal. The companies say more than 500 Teya merchants have received financing, and report a Net Promoter Score of 86 for the product.

Two things stood out.

First, this is another example of merchant cash advances being integrated into payment platforms outside the United States. The financing is embedded in a service merchants already use, with repayments linked to sales.

The reasons are all too familiar: limited credit histories, insufficient collateral, and bank processes that don’t always fit how small businesses operate. We’ve heard those challenges for years, across markets. Different geography, familiar funding gap.

MCA and revenue-based financing have legitimate uses in addressing that gap. This partnership is another example of their international adoption, though a product’s label alone doesn’t tell us whether its terms or practices serve the merchant well.

That brings me to the second point: the customer experience.

Net Promoter Score in Lending

I wrote about Net Promoter Score in March 2023 because I believe more funders, brokers, and software providers should be measuring it.

NPS asks how likely customers are to recommend a company or product, on a scale of 0 to 10:

• 9–10: promoters

• 7–8: passives

• 0–6: detractors

The score is the percentage of promoters minus the percentage of detractors, giving a result between −100 and +100. An NPS of 86 is not an 86% renewal rate or a star rating.

Google reviews, Trustpilot reviews and BBB ratings serve different purposes. NPS gives a business a structured way to understand willingness to recommend, track changes and investigate what is driving the answers. It can inform internal improvements and be shared publicly.

CAPITAL AFTER HOURS 4

December 3, 2026, 6:30 – 9:30 PMSixty Vines Fort Lauderdale

Register Now

But credibility matters. Who was surveyed? How many responded? When were they asked? Were dissatisfied customers included?

The announcement doesn’t provide that methodology, and 500 financed merchants doesn’t necessarily mean 500 survey responses. I’d like to see that context alongside the headline number.

My point for the industry: gather customer feedback consistently, learn from it, and share strong results with enough context to make them meaningful.

As embedded finance expands, the conversation should include both access to capital and the experience businesses have after receiving it.