CAPITAL

Embed financing directly into your platform

Offer flexible financing solutions in your platform, in your branding. Help your customers grow – while growing your own revenue, too.

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Screen showing flexible business financing options on a digital banking platform with Adyen branding

A digital payment options screen showing business financing choices with a Request now button

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.

Screen showing a successful Adyen payment of 10,000 for a loan on June 6.

Create a new revenue stream

Add a new, high-margin revenue stream with a competitive revenue share on every loan.

A digital calendar showing an event scheduled from the 12th to 14th, with a green progress bar.

Go live in under a week

Don’t wait months for a roadmap slot. Launch a fully branded capital solution in under a week.

Notification showing a funding reward for a business with a green top-up button.

Increase brand loyalty

Support your customers’ biggest moments by providing the funding they need to scale, right when they need it.

Help your customers bridge their cash flow gaps

50% of small businesses say they sometimes need a small loan to cover cash flow. Adyen Capital lets you offer them funds right from your platform.

Read the Embedded Finance report

50% of small businesses say they sometimes need a small loan to cover cash flow. Adyen Capital lets you offer them funds right from your platform.

untapped lending opportunity in North America and Europe

of SMBs say they need better access to working capital

of businesses who get Capital funding return for second loan

Their growth is your revenue

Revenue with instant customer value. Build loyalty and stickiness with a white-labelled lending experience.

Fully embedded and whitelabeled

Make Capital a natural extension of your platform offering.

Streamlined compliance

Credit risk, regulatory compliance, and underwriting all sit with Adyen – not your business.

Global scale

Offer loans instantly in the UK, the US, the EU, Australia, and Canada.

Help your customers grow. Give them quick access to up to $100k of flexible financing.

Total transparency

Loan amounts are based on payment history. Customers only see pre-approved offers.

Fast access

Funds land in customers' business accounts within hours, seven days a week.

Flexible financing

Offer flexible payment terms with top-ups, early repayments, and automatic repayments.

The complete infrastructure for embedded payments

Adyen provides the platform, compliance, and dedicated support to help you scale.

The complete infrastructure for embedded payments

Adyen provides the platform, compliance, and dedicated support to help you scale.

A customer making a payment at an Adyen terminal in a retail setting.

Global scale

Expand your reach: Launch Capital to your customers across the UK, the US, the EU, Australia, and Canada.

Notification of a $10,000 USD payment received from EPOS Now Capital via Adyen system

Brand awareness

Own your customer relationships: Maintain total ownership of the customer 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.'
Mark Maciver
CEO & Founder, SliderCuts

'I needed a cushion for the unknown, and Capital delivered it in exactly two minutes. Not only did it alleviate our seasonal anxiety and secure our payroll, but it fueled a December marketing push that spiked our gift card sales by 22%.'
Justin Barrett
Founder, Himalayan Salt Therapy (Fresha customer)

'We only had to customise a few images and sales messages for our vertical. The Adyen team was accessible and responsive, which made everything easier for us.'
Jamey Kennedy
Payments Manager for Strategy & Growth, Jackrabbit Technologies

'By using Adyen’s Components, we could integrate the Capital solution fast. One developer spent 3 hours on this before going live.'
Osmo Maksimainen
Technical Project Manager, Timma

'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.'
Mark Maciver
CEO & Founder, SliderCuts

Launch Capital your way

Build a card programme that grows with you. Our single platform and international banking licences mean you can expand throughout the UK, the US, and the EU while we handle compliance.