Go live faster with components
- Skip custom dev, UX and compliance work by using pre-built components to embed Capital into your platform.
CAPITAL
Embed financing directly into your platform
Offer flexible financing solutions in your platform, in your branding. Help your merchants grow — while growing your own revenue, too.
Trusted by teams at global platforms
Built to perform. Backed by people who care. Do embedded finance your way with our reliable global platform and enterprise expertise.
Create a new revenue stream
Add a new, high-margin revenue stream with a competitive revenue share on every loan.
Go live in under a week
Don’t wait months for a roadmap slot. Launch a fully branded capital solution in under a week.
Increase brand loyalty
Support your merchants’ biggest moments by providing the funding they need to scale, right when they need it.
Help your merchants bridge their cash flow gaps
50% of small businesses say they sometimes need a small business loan to cover cash flow. Adyen Capital lets you offer them funds right from your platform.
Read the Embedded Finance report50% of small businesses say they sometimes need a small business loan to cover cash flow. Adyen Capital lets you offer them funds right from your platform.
US$48US$48B
94%of SMBs say they need better access to working capital
80%of businesses who get Capital funding return for second loan
Their growth is your revenue
The complete infrastructure for embedded payments
Adyen provides the platform, compliance, and dedicated support to help you scale.
Global scale
Expand your reach: Launch Capital to your merchants across the US, the UK, the EU, Australia, and Canada.
Brand awareness
Own your merchant relationships Maintain total ownership of your merchant experience from initial offer to loan payout.
'When a major refurbishment went over budget, I had no financial buffer left and needed quick access to capital. The speed of Fresha Capital was on a completely different level, with the funds available the same day.'
Launch Capital your way
Build a card program that grows with you. Our single platform and international financial licenses mean you can expand throughout the US, EU, and UK while we handle compliance.
Full integration, total control
- Get complete control over every screen, every interaction and every step of the funding process.
Fresha fuels salon growth with £4m+ in embedded capital
- Scaled to 7 global markets in just weeks
- Issued over £4m in under 3 months to SMBs
- 80% of businesses return for a second loan
Offer loans instantly
Your merchants can view and select their eligible pre-approved loans in their dashboard.
Turn your platform into a financial hub
Capital is part of Adyen’s broader Embedded Finance offering.
- Embedded PaymentsAccept, process, and settle money worldwide and across every channel.
- Embedded issuingOffer branded physical and virtual cards, then earn interchange revenue. *Only available in the EU, UK and US.*
- Embedded business accountsEmbedded business accounts
- CashOutOffer fast payouts 24/7. Earn revenue with every request.
Help your merchants hit their goals
Give your merchants access to capital and turn every business loan into a revenue opportunity.