Adyen and Fresha Surpass £4 Million in Capital Issued as Global Embedded Finance Expansion Scales to Seven Key Markets

Adyen, the global financial technology platform of choice for leading businesses, today announced that it has launched Fresha Capital, in partnership with Fresha, the world's leading marketplace platform for beauty, wellness, and selfcare. The offering is now live in the US, UK, Australia, Canada, Netherlands, Finland, and Sweden, with over £4 million in loans issued to date. This launch strengthens Fresha's financial product ecosystem, enabling small and medium businesses (SMBs) across the platform to access working capital quickly and seamlessly to fund their growth.

This move underscores Fresha’s strategy to utilize embedded finance, a core component of Adyen’s offering, to move beyond payments and provide interconnected financial services, circulating value within its platform. Adyen Capital is part of Adyen’s robust set of Embedded Finance products, which allow platforms to offer core financial services directly within their ecosystem.

“Our relationship with Fresha shows how embedded payments can be a catalyst for strategic change,” commented Hemmo Bosscher, SVP Global Head of Platforms & Financial Services at Adyen. “Fresha partnered with us to embed payments directly into their platform, now with embedded lending, they'll be introducing another new revenue stream and deepening relationships with their customers across several key markets.”

Adyen Capital is designed specifically for platform users (SMBs) who rely on instant liquidity to manage operations. Key benefits for Fresha users include:

• Quick access to funds: Users can view pre-approved offers and request financing in seconds, with funding accessible within hours or the same business day. Payout to external banks typically takes minutes, though it may take up to two business days depending on the bank. 

• Simple process, flexible amounts: Loan offers range from £500 to £50,000 (in supported currencies), pre-approved based entirely on sales performance, eliminating the need for lengthy applications or paperwork.

• Transparent and flexible repayment: Repayment is automatically adjusted as a fixed percentage (ranging from 1% to 15%) of daily sales, meaning businesses repay more when they earn more and less when they make less. The loan term is up to nine months, and there are no fees for early repayment or late payments. 

This solution is designed to support common industry needs, such as a salon owner needing access to capital to purchase new equipment or hire additional staff ahead of peak season.

Strategic Value for Fresha

“Our partnership with Adyen allowed us to roll out Fresha Capital in just weeks, scaling fast across seven global markets,” commented Pawel Iwanow, Chief Payments Officer at Fresha. “With over £4 million already issued, it’s clear that access to funding is often the primary barrier for beauty and wellness SMBs. If a vital piece of salon equipment breaks on a Friday before a peak weekend, we can now authorize a loan in seconds, saving the day for our partners and unlocking growth they would have otherwise postponed.”

Strategic benefits for platforms also include:

• Increased stickiness and loyalty: providing instant, flexible funding options makes Fresha an indispensable partner for its users' business operations.

• A proven solution: Adyen Capital has a strong track record, with 80% of businesses who accept a Capital offer returning to take a second loan.

• Risk-free Revenue: Adyen takes on all lending and credit risk.

• Speed to market: Platforms can go live with Capital in hours using pre-built, white-label components, or build via API for full flexibility. Adyen provides launch support on  training, and marketing.

Difference Maker For SMBs

"When a major refurbishment went over budget, I had no financial buffer left and needed quick access to capital to keep the business moving forward. The speed of Fresha Capital was on a completely different level, with the funds available the same day,” said Mark Maciver, CEO & Founder at SliderCuts. “It helped me get through that month, making sure all business expenses were paid and that staff wages were taken care of. Without it, things would have been far tighter. This funding helped me keep moving forward."

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About Fresha Fresha is the leading marketplace platform for beauty and wellness trusted by millions of consumers and businesses worldwide. Fresha allows consumers to discover, book and pay for beauty and wellness appointments with local businesses via its marketplace, while beauty and wellness businesses and professionals use an all-in-one platform to manage their entire operations with an intuitive business software and financial technology solutions. To learn more, visit fresha.com, download Fresha on the App Store and Google Play, or follow Fresha on Facebook and Instagram.

About Adyen Adyen (ADYEN:AMS) is the financial technology platform of choice for leading companies. By providing end-to-end payments capabilities, data-driven insights, and financial products in a single global solution, Adyen helps businesses achieve their ambitions faster. With offices around the world, Adyen works with the likes of Meta, Uber, H&M, eBay, and Microsoft. The cooperation with Fresha as described in this merchant update underlines Adyen’s continuous growth with current and new merchants over the years.