How to finance small suppliers that Adyen Capital doesn't support

If you’re running a B2B marketplace on Adyen, chances are you’ve already looked at Adyen Capital to help your sellers with cash flow. Capital makes it possible to embed business financing in your platform, with grants based on users’ historic payment volumes and repaid automatically from future processing.

This revenue-based financing works well for larger, more established merchants who already process meaningful volume through Adyen and meet its eligibility criteria.

But your growth often depends on many small, local, or newer suppliers with thin histories, fragmented invoicing, and tighter cash reserves. These “long-tail” suppliers are usually the ones asking for faster payouts and more security in transactions –  and they’re the ones traditional and PSP-led financing tools tend to overlook.

As a result, you end up in a familiar bind: some suppliers get offers, and others don’t. You’re then tempted to use your own balance sheet to keep sellers from churning.

There is another option, however: embedding invoice factoring alongside your existing payments setup with Aria.

Adyen Capital vs Aria: A quick overview

	Adyen Capital	Aria
Eligibility model	Eligibility is tied to transaction volume and quality processed through Adyen. Smaller or newer suppliers may not qualify.	Underwrites the buyer (debtor), not the supplier. Small and long-tail suppliers can qualify when invoicing strong buyers.
Alignment with net terms	Repayment comes from future processing flow, which may not align with 30–90 day invoice settlement cycles.	Fully aligned with invoice due dates. Buyers pay on agreed net terms while suppliers receive early payment.
Risk & collections	Capital advance product is layered onto the payments infrastructure. Not structured as a non-recourse invoice purchase.	Non-recourse invoice factoring. Aria absorbs credit risk and manages reminders, disputes, and collections.
Integration flexibility	Requires running on Adyen for Platforms.	Embedded via API and can operate alongside your existing PSP.

How Aria helps you finance small suppliers

Underwriting the buyer so that even small suppliers are eligible

Traditional providers, including many bank-led and PSP-led options, tend to underwrite the supplier. That makes small, young, or low-volume businesses hard to finance because each one is costly to assess and doesn’t always clear the usual thresholds.

Aria flips that model: financing decisions are based on the buyer’s credit profile, not the supplier’s. That means you can extend invoice financing to many more small and mid-sized suppliers, even if they wouldn’t qualify for traditional bank products. 

A supplier can choose to finance just one invoice a month or all of their volume. Aria advances up to 100% of the invoice value once the buyer validates it, and the buyer repays later on their usual terms (30, 60, or 90 days).

Because Aria is a non-recourse provider, we also take on collections and credit risk: if a buyer defaults, we absorb the loss.

Embedding invoice factoring directly into your marketplace

With Aria, invoice factoring is embedded via API in your existing workflows:

• Buyers and sellers onboard inside your marketplace with white-label flows – no redirects or separate applications. 
• KYC/KYB checks, credit scoring, and risk assessments run automatically in the background. 92% of applications and requests receive instant decisions. 
• Sellers submit invoices through your platform as usual, and invoice data flows to Aria via API, with no manual uploads. 
• Once a buyer validates the invoice, the seller can request instant payment with a single click. 
• Aria pays the supplier (or your platform, in intermediary models) – often within 24 hours – and later collects from the buyer on agreed terms.

For suppliers, that means getting paid when they choose and never having to chase payments. For buyers, nothing changes in their payment workflow: they still pay on their usual terms. For you, the entire flow stays inside your product, keeping your marketplace sticky on both sides.

Automating risk, compliance, and collections behind the scenes

Speeding up payouts usually increases the risk of fraud and late payments. Aria builds the necessary safeguards into your platform:

• Global KYC/KYB for users in 100+ countries and solvency checks with recommended credit limits
• AI-powered fraud detection to flag unusual patterns
• Buyer-driven invoice validation and real-time tracking to anticipate disputes

When payments are due, Aria sends smart, friendly reminders and manages recoveries according to a workflow we’ve designed together in our workshops.

Empowering you to scale without putting your own capital at risk

You don’t need to put your own capital at risk to pay suppliers faster. Aria’s €2 billion financing capacity lets you offer instant payouts today and still support higher volumes as your marketplace grows and expands into new geographies.

Financing is available for buyers and sellers in over 100 countries and in multiple currencies, including EUR, USD, and GBP. 

Whether your monthly processed volume is just over €200,000 or growing into the hundreds of millions, the same infrastructure can support both your smallest suppliers and your biggest accounts.

Beyond Adyen Capital: What to watch for when your small suppliers need fast access to cash

When you compare embedded financing options, it helps to focus on how well an invoice financing solution serves your long-tail suppliers:

• Eligibility logic: Is financing tied to processed volume with a specific PSP, or can you fund any eligible buyer–supplier relationship on your platform? 
• Coverage of small invoices: Can the provider handle hundreds or thousands of small tickets efficiently, or do they optimise for a smaller number of large loans? 
• User experience: Do buyers and sellers stay in your product, or are they redirected to an external portal for financing? 
• Risk and collections: Who actually takes the credit risk if a buyer defaults? Who sends reminders, manages disputes, and handles recoveries? And how visible is that to your users? 
• Geography and currencies: Can you use the same setup as you expand into new countries and currencies, or will you have to layer in more providers later?

Adyen Capital can be an important part of that stack for eligible users processing volume via Adyen. But if you want to finance the long tail of small suppliers, you’ll need an invoice-based solution that’s built for that complexity.

Bringing it together

Financing should not stop at your largest, most established sellers. The small suppliers who give your marketplace depth and resilience are often the ones who feel cash-flow pressure most acutely – and the ones most likely to look elsewhere when payouts are slow.

By embedding non-recourse invoice factoring with Aria alongside your existing payment setup, you can:

• Offer same-day or next-day payouts without tying up your own cash
• Extend financing to many more small suppliers by underwriting buyers instead
• Outsource credit risk, compliance, and collections
• Support multi-country, multi-currency growth with a single financing partner

If Adyen Capital leaves gaps for the smallest suppliers on your platform, an embedded invoice factoring layer like Aria can close them and help both buyers and sellers transact with more confidence.

FAQs

What can marketplaces do when small suppliers are not eligible for PSP-led financing?

Many PSP-led financing products rely on historic payment volumes, which excludes small or newer suppliers. Marketplaces can bridge this gap by embedding invoice factoring solutions like Aria that underwrite the buyer instead of the supplier. 

This approach widens eligibility and allows even long-tail suppliers to access fast payouts.

How does invoice factoring help reduce cash-flow issues for small suppliers?

Invoice factoring gives suppliers access to funds as soon as a buyer validates an invoice. Instead of waiting 30, 60, or 90 days, the supplier receives most or all of the invoice value upfront. 

This improves liquidity, reduces reliance on external loans, and creates predictable income. Because the financing provider manages risk and collections, suppliers can focus on fulfilling orders rather than chasing payments.

Who carries the risk if a buyer does not pay the invoice?

In a non-recourse factoring model, a financing provider like Aria carries the credit risk. If a buyer fails to pay, the provider manages reminders, disputes, and recoveries. This way, suppliers and marketplaces are protected from losses.