ZÜRICH, Switzerland, 04.02.2026: YAPEAL, and Kamuno, a specialist in lending for small and medium-sized enterprises (SMEs), today announced a strategic partnership focused on introducing Embedded Lending as a new financial service for Swiss SMEs.
Embedded Finance allows financial services to be integrated directly into non-financial platforms, creating seamless customer experiences. YAPEAL views Embedded Lending as a key future trend for SMEs, enabling businesses to access financing where and when they need it without interrupting their workflows.
Kamuno.ch brings deep expertise in SME lending, offering tailored loan products designed to support business growth and operational needs. Together, YAPEAL and Kamuno will develop integrated lending solutions embedded within digital platforms used by SMEs, simplifying access to credit, business accounts and cards, and accelerating funding decisions.
“This partnership marks an important milestone in realizing the future of SME financing,” said Michael Eidel, CEO of YAPEAL. “By embedding Kamuno’s lending capabilities within our platform, we can provide access to financial solutions for SMEs that are more accessible, timely, and aligned with their everyday business activities.”
The partnership will initially focus on integrating Kamuno’s lending products into YAPEAL’s Embedded Finance ecosystem, with plans to expand offerings and explore new digital financing opportunities for SMEs in Switzerland.
Regis Lehmann, CEO of Kamuno.ch, added, “We are excited to collaborate with YAPEAL.ch to bring embedded lending solutions to Swiss SMEs. This partnership will help businesses secure business accounts, expense cards and financing quickly and efficiently, without the traditional barriers of opening accounts.”
About YAPEAL:
YAPEAL is a Swiss fintech company founded in 2018 and holds the first fintech license in Switzerland. The company was recognized by BILANZ and Statista as the most innovative SME in the Swiss financial sector in 2026. With its unique Digital First platform, YAPEAL offers companies and their end customers seamlessly integrated financial services (Embedded Finance Solutions). These solutions enable businesses to enhance customer experience, generate growth, improve efficiency, and increase profitability. YAPEAL's headquarter is located in Zurich.
Information: www.yapeal.ch
About Kamuno:
Kamuno.ch is a Swiss fintech offering next-generation lending solutions for small and medium-sized enterprises. With a strong focus on automation and data-driven decisioning, Kamuno enables faster, smarter access to financing within a modern financial ecosystem. By rethinking how credit is assessed, delivered and experienced, Kamuno makes SME financing more seamless, scalable and aligned with the realities of today’s businesses.
Information: www.kamuno.ch