Provide access to the capital your users need to grow

Give users on your platform access to fast and flexible cash advances.

Business financing example dashboard

Your platform, your brand

Fully embed user-friendly business financing directly into your platform.

Be a valued partner

Build lasting relationships by filling the funding gap for your users.

Share in the revenue

Receive earnings from capital advances at no cost. We absorb the credit risk.

Cash advances in one seamless experience

Help your platform users reach their ambitions by giving them access to business financing when they need it. All embedded in your platform.

Proactive risk assessments

Show cash advance offers based on historic payments data, not personal credit scores, to avoid awkward rejections.

Distribute funds within minutes

We handle every step from offer to transferring the funds, allowing you to provide capital to users in minutes.

Automated repayments

Repayments are automatically collected from incoming payments. Your users pay a fixed fee instead of interest.

People working in office

Make business financing accessible to your users

Help your users get funds directly within your platform, allowing them to manage cash flows, scale operations, or invest in the tools they need to thrive.

Offer branded business financing thanks to our fully customizable solution

Automatically scale with us as our coverage grows globally

Get Capital up and running quickly by integrating our easy API solution

Reduce risk by leveraging our regulatory expertise and credit risk absorption

Create valuable relationships with users by proactively offering business financing

No delays, redirects, and third-party dependencies with our single platform

Get started with one simple integration

Start with an end-to-end business financing solution engineered for launching a fully branded experience fast.

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Simple integration

Integrate Capital into your platform with just two core API endpoints. Fully customize the UX to give users a branded experience.

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Single finance provider

Our proprietary banking infrastructure cuts transfer times and gives instant access to cash in the US and European markets.

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Earn revenue

Receive Capital earnings by default and allow users to grow their business on your platform with an improved cash flow.

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We own compliance

Capital is based on our global expertise and regulatory licenses, so you can help users grow without absorbing the risk.

What embedded business financing means for your business model

Discover how Capital can help your platform users grow.

Add flexible business financing to your product suite

  • Become the one-stop shop for your users’ crucial business needs

  • Seamlessly connect business financing to cards and accounts

  • Embed fully branded business financing

  • Grow the payments volume running through your platform

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Help sellers increase volume on your marketplace by financing their inventory

  • Become the go-to platform for sellers to run their business

  • Empower sellers to buy inventory in bulk with cash advances

  • Remain in full control of the UX by integrating our APIs

  • Grow the payments volume running through your platform

Person shopping

A full banking suite on one platform

Give your users access to business financing using the same infrastructure you use to accept and process payments. Our financial technology platform gives you the flexibility to add solutions that work for your business.

Capital + Payments

Identify users and proactively offer business financing using payment and KYC data. Repayments are automatically collected from actual sales.

Learn more about Adyen for Platforms

Capital + Accounts

Allow users to access their funds quickly on a bank account embedded in your platform. Our banking infrastructure increases speed and efficiency. 

Learn more about Accounts 

Capital + Issuing

Give users the ability to immediately spend their cash advance with a virtual or physical platform branded card. Add spend controls if necessary.

Learn more about Issuing 

Interested in the future of business financing experiences for platforms?

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¹Capital is currently only available for selected platforms in Europe, the UK, the US and Australia.

²Except if explicitly stated otherwise, Adyen N.V., not the platform, provides the capital. 

³Funding is generally available within minutes on the Adyen platform.

Frequently asked questions