• Pollen Street raised its senior secured credit facility to Finbee Verslui from €35 million to €55 million, an addition of €20 million.
• Finbee plans to lift its maximum loan from €250,000 to €800,000 and to offer longer terms and better pricing.
• The relationship began in July 2024; Finbee reports more than €180 million originated across 6,000+ loans, including over €40 million in 2025.
• This is debt capacity, not equity: no valuation, interest rate, or covenant terms were disclosed in the coverage we reviewed.
• The ECB's July 2026 survey reported a widening SME bank-loan financing gap, which is the demand backdrop for non-bank lenders.

Finbee Verslui, a Vilnius-based lender to small businesses, has increased its senior secured credit facility with Pollen Street from €35 million to €55 million, ArcticStartup reported on 26 October 2026. The extra €20 million is meant to let the company raise its maximum loan from €250,000 to €800,000, extend repayment terms and improve pricing. It is a debt line, so there is no valuation to compare against anyone else's round.

The point for founders and investors is what kind of capital this is. Finbee Verslui is an online lender, founded in 2017, that provides working capital loans to small and medium-sized businesses. Pollen Street is a London-based private capital manager. In a lender's business, the facility is the inventory: more committed funding means more loans can be written. Vestbee's report sizes the facility the same way as ArcticStartup.

What the facility actually changes

The headline effect is loan size. Both ArcticStartup and Vestbee report that the maximum loan will rise from €250,000 to €800,000, more than three times the current ceiling. Finbee also says it will offer longer terms and improved pricing. Those are product changes funded by balance-sheet capacity, and they move the company from very small working-capital tickets toward larger commitments to each business.

The traction behind the raise

Vestbee reports that Finbee has originated more than €180 million across over 6,000 loans to more than 4,000 businesses since launch, including more than €40 million in 2025. Those are the company's own figures as relayed by the outlet, and we could not verify them independently. They show volume and repeat borrowing, but not arrears, losses or margins, which are what a credit provider underwrites.

The bet: debt capacity ahead of demand

The bet is that Finbee can deploy a larger facility into bigger loans without eroding credit quality. The partnership began in July 2024 with the original €35 million line, and Pollen Street has now added capacity rather than being replaced. Tomas Mačiulaitis, Finbee's chief executive, said: "Increasing it to €55 million means we can say yes to more entrepreneurs who need working capital to grow". Interest margin and covenants were not disclosed in the coverage we reviewed.

Why small-business credit demand is rising

Vestbee cites the European Central Bank's July 2026 Survey on the Access to Finance of Enterprises, which found the SME bank-loan financing gap widened to a net 5% of firms from 3%, while large companies saw availability improve. That gap is the opening for non-bank lenders. It is context reported by the outlet, not evidence that Finbee's growth is caused by it.

What to watch and the verdict

Watch three things: how quickly the €800,000 loans are written, whether Finbee discloses credit performance, and whether Pollen Street or other lenders extend further. The renewal in itself is a credible vote of confidence from a repeat funder. Our verdict: treat it as a sound but unproven scale-up. Bigger tickets raise concentration risk, and without loss data the facility shows access to capital, not proof of underwriting quality.