Aria

What Aria does

Aria is a French fintech operating embedded invoice financing and B2B payment infrastructure for software platforms and marketplaces. Founded in September 2020 by Clément Carrier (CEO) and Vincent Folny (COO), the company offers a REST API and white-label product suite that lets B2B platforms pay their suppliers within 24 hours while letting corporate buyers settle on 30/60/90-day terms. Aria underwrites the buyer (debtor) rather than the supplier or platform, absorbing 100% of the credit risk and handling collections; in return, it earns a transaction fee plus a financing fee (typically 1–3% depending on payment terms and debtor risk). The product stack comprises four modules — Invoice Financing, Payments Infrastructure (multi-currency via SEPA, SWIFT and FPS across 100+ countries), Protection (default insurance and collections), and Risk Scoring (AI-driven credit scoring and fraud detection with 92% instant decisioning) — packaged into vertical solutions for Marketplaces, SaaS, and Enterprises (reverse factoring).

Aria's GTM is hybrid: API-first product-led growth via docs.helloaria.eu with sandbox access for self-serve integration, paired with an enterprise field-sales motion that requires €200k+ monthly volume and assigns dedicated implementation and account managers. Distribution is augmented by a white-label/OEM embedding model (Hiway, Ubooker, Momi fully white-label Aria) and by a channel partnership with Mangopay for marketplace wallet integration. Customers include Malt (700,000 freelancers across 45+ countries), Job&Talent (€1.8B revenue staffing platform that consolidated 20+ factoring partners onto Aria), UrbanChain, Hiway, Comet, StaffMe, Jump, Brigad and Build2B — a mix of mid-market staffing/freelance marketplaces and large enterprise platforms. Since inception Aria has processed over €1 billion in invoices for more than 100,000 suppliers with a default rate below 0.1%.

The company is headquartered in Saint-Denis (Paris) with additional offices in London and Lisbon. It is registered as ARIA SAS (RCS Bobigny 839 836 608) and operates payment flows as a MOBSP intermediary of Swan, an ACPR-authorized electronic money institution. Funding totals exceed €65M, comprising a €4M seed (June 2021), a €15M Series A led by 13books Capital (December 2023, with Ankaa, Otium and Adevinta Ventures), and over €100M in cumulative debt facilities from M&G Investments and other partners. The UK, launched in May 2023, is now the fastest-growing market at 40% of global revenue, and the company has signaled further European expansion.

Name

Aria

Legal name

ARIA SAS

Website

https://helloaria.eu

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Aria is a Paris-headquartered fintech that provides an embedded invoice financing and B2B payments API for software platforms and marketplaces. It pays suppliers within 24 hours while letting buyers settle on 30/60/90-day terms, absorbing 100% of credit risk in exchange for transaction and financing fees.

Ownership category

akta.pro rank

Product category

Embedded B2B Payment Infrastructure

NAICS

Sales Financing (52222), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Short-Term Business Credit Institutions (6153), Finance Services (6199)

akta.pro primary industry

Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH)

akta.pro secondary industries

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

Keywords

• Embedded invoice financing
• B2B payment API
• White-label financing
• Deferred payment infrastructure
• Supplier instant payout

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Transaction Fee: A transaction fee paid by the platform or passed through to users for each invoice processed through Aria's API. The fee structure is configurable per customer.
2. Financing Fee: A financing fee on each invoice financed — typically 1-3% depending on payment terms (30, 60, 90 days) and debtor credit risk. Represents the cost for accessing cash early vs. waiting.
3. Revenue Share with SaaS/Marketplace Platforms: Platforms can earn a cut of the total transaction value generated by invoices on their platform via embedded financing features — a marketplace commission / revenue-share layer on top of Aria's core fees.

Pricing tiers

Go-to-market motion4 records

Distribution channels4 records

Marketing channels6 records

Core offering

Aria provides embedded invoice financing and B2B payment infrastructure delivered via a REST API. B2B platforms, SaaS products, marketplaces, and corporate ERPs integrate Aria to pay suppliers within 24 hours while letting buyers settle on 30, 60, or 90-day terms, with Aria absorbing 100% of the credit risk end-to-end (underwriting, payments, insurance, collections, reconciliation).

Product overview

Aria offers a unified embedded B2B payments and invoice financing platform that combines a core REST API (Aria API) with four interoperable product modules: Invoice Financing (the flagship financing product), Payments Infrastructure (multi-currency payment processing rails), Protection (credit insurance and collections), and Risk Scoring (credit, fraud, and KYC/KYB analytics). This platform architecture is delivered as vertical-specific solutions for three target segments: Aria for Marketplaces, Aria for SaaS, and Aria for Enterprises (reverse factoring for corporates). Together, the modules and solutions allow platforms to pay suppliers within 24 hours while letting buyers pay on 30/60/90-day terms, with Aria taking on the credit risk end-to-end.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Financing Aria's flagship embedded invoice financing product that finances up to 100% of invoices, pays suppliers within 24 hours, and lets buyers settle on 30/60/90-day terms. Acceptance rates of ~99% for invoices issued to large corporates and ~90% for SMEs. Aria assumes credit risk and handles collections. For B2B platforms managing invoices between SMB sellers and corporate buyers.
• Payments Infrastructure B2B payments toolkit that automates cross-border payment flows across 100+ countries and currencies (EUR, USD, GBP) using SEPA, SWIFT, and FPS rails. Includes dedicated IBANs, automated reconciliation, configurable payment triggers and redirection.
• Protection Default-protection product offering 100% protection against buyer payment defaults, with built-in credit insurance, human-centric debt collection, smart payment triggers, and built-in compliance. Aria absorbs buyer default risk.
• Risk Scoring Risk analytics module combining credit scoring, AI-powered fraud detection via graph analysis, and invoice validation. Includes KYC/KYB identity checks across 100+ countries via white-label dashboards. Provides 92% instant decisioning.
• Aria for Marketplaces Vertical solution tailored for B2B marketplaces to retain suppliers with guaranteed instant payments and offer flexible terms to buyers, integrated via API or dashboard with a white-label option.
• Aria for SaaS Embedded financing solution for vertical B2B SaaS platforms, enabling them to add 'Get paid now' and 'Pay later' buttons in-product, generate new revenue streams, and increase user retention.
• Aria for Enterprises Reverse factoring, dynamic discounting, and deferred payment infrastructure embedded in corporate ERPs/TMS to optimize working capital without straining supplier relationships. For large corporates managing extensive supplier bases.
• Aria API REST API that enables B2B platforms to embed Aria's instant payment, invoice financing, risk scoring, and protection features directly into their software with white-label interfaces, sandbox environment, and dashboards.

Quantifiable outcome

• 92% instant decisioning on B2B buyer approval
• +7 more outcomes

Named customers11 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability4 records

Feature6 records

Scale indicators19 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Resolve: Resolve offers embedded B2B payments and net-terms financing via API to marketplaces and SaaS platforms, with a focus on automating accounts-reivable workflows. Highly comparable to Aria's invoice-financing and payment-orchestration product.
• Wayflyer: Wayflyer provides revenue-based financing and analytics to e-commerce and SaaS businesses, increasingly distributed via platform integrations. Comparable in product type and target SMB/SaaS segment.
• YouLend: YouLend offers embedded finance and revenue-based lending products to small businesses via partner platforms and POS/payment integrations. Overlaps with Aria's platform-embedded B2B financing positioning.
• Uncapped: Uncapped provides revenue-based and working-capital financing to SaaS and e-commerce businesses, with an API and partner-distribution model. Directly comparable to Aria on embedded business financing for platforms.
• Mangopay: Mangopay provides wallet and payment infrastructure for marketplaces and is both an Aria partner and an overlapping capability provider. Mangopay's B2B payment flows and embedded financing ambitions directly overlap with Aria's core proposition.
• Defacto: Defacto offers embedded B2B credit and instant-pay APIs for marketplaces and platforms across Europe, enabling suppliers to be paid instantly while buyers pay later. Closest direct competitor to Aria's model in the European market.
• Liberis: Liberis provides embedded revenue-based financing to small businesses via integrations with payment processors and SaaS platforms. Comparable to Aria on API-driven, embedded business financing with platform distribution.
• Stripe Capital: Stripe's embedded financing product offers advances and working-capital loans to businesses on Stripe's payment platform, directly competing with Aria's embedded invoice-financing API. Both target platform-embedded B2B credit distribution.
• Clearco: Clearco offers revenue-based financing and embedded capital products to SaaS, e-commerce, and marketplace businesses, with API-based platform distribution. Directly comparable to Aria on embedded financing for digital businesses.

Broad incumbents

• TreviPay: TreviPay is an established B2B embedded payments and trade-credit network serving large enterprises and marketplaces. Competes with Aria on embedded B2B payment terms and supplier financing, but as a broader, longer-tenured incumbent rather than a white-label API specialist.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/helloaria
• Xx.com/helloaria_fr

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds5 records

Investors7 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Aria