Treyd
Treyd is a Stockholm-based fintech providing a revolving working capital platform for product businesses, financing both supplier invoices and customer receivables with AI-supported underwriting across six European markets, serving 1,500+ businesses.
- Company typePrivate
- Founded2020
- HeadquartersStockholm, Sweden
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Treyd does
Treyd is a Stockholm-headquartered fintech that provides a working capital platform for product businesses, financing both supplier invoices (payables) and customer invoices (receivables) through a single revolving credit facility. Its core products are inventory financing, invoice financing, and a unified revolving credit line with limits up to £1M and fees starting at 1.4% per financed invoice, with repayment terms of 30–150 days structured as a single bullet payment. The platform is built around AI-supported underwriting that connects to customers' accounting software to enable real-time, often within-24-hour credit decisions, supplemented by AI-based invoice scanning and document processing. Customers include wholesale, retail, direct-to-consumer, and professional services businesses across six European markets: the UK, Sweden, Norway, Denmark, Finland, and Ireland.
Treyd generates revenue primarily through per-transaction fees on financed invoices, with no setup fees and fully transparent upfront pricing; the model is asset-light on the technology side but capital-intensive on the balance sheet as Treyd advances funds to borrowers. Distribution is omnichannel: a self-serve digital application flow, a direct sales team for mid-market accounts, and a Partner Network of financial brokers and introducers who earn recurring commission on client drawdowns, complemented by a £500 customer referral program. The company is regulated as a payment institution by Sweden's Finansinspektionen and operates general offices in London and Dublin alongside its Stockholm headquarters. Notable customers include Swole Panda, Nordic Beauty Inc., Widetoes, BY BANOO, Morjas, Carl Friedrik, Roarsome, and Polybound.
Founded in 2019–2020, Treyd has cumulatively facilitated over €360M in financing to 1,500+ businesses and is backed by Nineyards Equity (Series A lead, 2022), with a $12M Series A extension closed in 2025. The company has expanded its product surface beyond pure inventory financing to cover freight, marketing, and other operating expenses, and has begun co-lending alongside traditional banks such as HSBC. Leadership includes co-founder and CEO Peter Beckman, co-founder and CTO Sameh EL Ansary, Head of Credit Justin Parr, and Head of Partnerships UK Ben Ingram.
Treyd firmographics
Firmographics- Name
- Treyd
- Legal name
- Treyd AB
- Website
- https://treyd.io
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Treyd is a Stockholm-based fintech providing a revolving working capital platform for product businesses, financing both supplier invoices and customer receivables with AI-supported underwriting across six European markets, serving 1,500+ businesses.
- Ownership category
- akta.pro rank
Treyd industry classification
Industry- Product category
- Working Capital / Invoice Financing
- NAICS
- Other Nondepository Credit Intermediation (52229), Sales Financing (522220)
- SIC
- Personal Credit Institutions (6141), Loan Brokers (6163)
- akta.pro primary industry
- Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)
- akta.pro secondary industry
- A2A Payouts & Disbursements (FSAMAFAG)
Keywords
Where Treyd is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices3 records
Markets served
Treyd business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Transaction/Invoice Financing Fees: Treyd charges a fixed fee per financed invoice. Businesses upload invoices to the platform and select repayment time (30-150 days). The fixed cost is shown upfront before submission with no hidden fees. This is the primary revenue stream.
- Receivables Financing: Treyd advances up to 90% against debtor invoices (both export and domestic), charging fees for the financing provided
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Transaction-based financing with fees starting at 1.4% |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels6 records
Treyd product offering
Product offeringCore offering
Treyd provides a single revolving credit facility for product-based businesses that finances both supplier payables (inventory purchases) and customer receivables (invoice advances). Businesses upload invoices, choose repayment terms of 30-150 days, and receive AI-supported credit decisions typically within 24 hours, with next-day funding against approved invoices at fees starting at 1.4%.
Product overview
Treyd offers a unified working capital financing platform for product businesses, combining Inventory Financing and Invoice Financing (covering both payables and receivables) into a single revolving credit facility. The platform enables businesses to finance supplier payments on one side and customer invoice advances on the other, with repayment terms of 30-150 days. Treyd provides AI-supported underwriting for rapid credit decisions and serves wholesale, retail, direct-to-consumer, and professional services sectors across the UK, Nordics, and Ireland.
Differentiator
Problem solved
Functional benefit
Products and services
- Inventory Financing
- Invoice Financing
- Revolving Credit Line
- Receivables Financing
- Extended Business Expense Financing (Freight, Marketing, Operating Costs)
Quantifiable outcome
- 1,500+ businesses funded over €360M since 2020
- +5 more outcomes
Companies that use Treyd
Customer profileNamed customers8 records
Segments1 record
Ideal customer profiles2 records
Treyd technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability4 records
Feature4 records
Treyd partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered minor.
- FrodaminorSwedish fintech companies Froda and Treyd announced a partnership to join forces, likely in the embedded financing or SME lending space.
- LendoeminorLendoe is a broker/introducer partner that refers clients to Treyd. Managing Director Demi Ariyo has provided testimonial praising Treyd's efficient processes and clear communication.
- Lonely TomatominorLonely Tomato is a co-founder who acts as an introducer of clients to Treyd, praising Treyd's certainty, speed, and human touch.
- Aston Commercial FinanceminorCo-Founder and Director Jamie Bridson refers clients to Treyd, noting Treyd makes fast decisions, has an expert team, and consistently solves real cash-flow needs.
Scale indicators8 records
Recent moves10 records
Expansion highlights6 records
Treyd competitors and assessment
Company assessmentDirect peers
- Froda: Swedish fintech providing embedded financing and invoice factoring to SMBs. Closely comparable to Treyd on geography (Sweden/Nordics), SMB lending focus, and embedded distribution — and is already a Treyd partner.
- Wayflyer: Ireland-based revenue-based and working capital financing platform for e-commerce and DTC brands. Directly comparable to Treyd in customer segment (product businesses), product structure (advances against future revenues/invoices), and geography (UK + Europe).
- iwoca: UK-based SME lender offering flexible credit lines and short-term loans to small businesses using AI-driven underwriting. Closely comparable on target customer (SMEs), AI-based decisioning speed, revolving credit structure, and UK market focus.
- Clearco: Revenue-based financing platform funding e-commerce and DTC brands with non-dilutive capital based on revenue. Highly comparable to Treyd's payables/receivables financing for product businesses, though focused on revenue advances rather than invoice-by-invoice.
- Capital on Tap: UK-based SMB credit and expense management provider offering revolving credit lines to small businesses. Comparable to Treyd on revolving SME credit, instant decisioning, and UK SMB customer base.
- Liberis: UK-based revenue-based financing provider embedded in payments platforms, offering working capital to small businesses. Comparable to Treyd on B2B working capital, embedded distribution model, and UK + European SMB focus.
- MarketFinance: UK-based invoice financing and business lending platform serving SMBs with working capital facilities. Comparable on invoice financing product, UK SME customer base, and digital-first lending experience.
Broad incumbents
- Funding Circle: UK-listed (LSE) SMB lending platform serving small businesses with term loans and lines of credit. Comparable target market (UK SMBs) but operates at much larger scale and offers broader credit products; not specialized in product-business working capital like Treyd.
- Bibby Financial Services: Established UK-based invoice financing and factoring provider serving SMBs across multiple sectors. Comparable invoice financing product but operates as a broad incumbent across many verticals rather than specialized in product businesses.
- BlueVine: US-based fintech offering working capital, lines of credit, and invoice factoring to small businesses. Comparable on working capital / invoice factoring products and AI-enabled SMB underwriting, though US-focused rather than European.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Treyd social profiles
Digital presenceTreyd compliance and trust
Trust signalCompliance1 record
Treyd financial estimates
Financial estimateRevenue estimate
Valuation estimate
Treyd leadership team
Management profileNumber of profiles
Profiles5 records
Treyd funding detail
Funding detailFunding overview
Funding rounds5 records
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Treyd M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Treyd
What does Treyd do?
Treyd provides a single revolving credit facility for product-based businesses that finances both supplier payables (inventory purchases) and customer receivables (invoice advances). Businesses upload invoices, choose repayment terms of 30-150 days, and receive AI-supported credit decisions typically within 24 hours, with next-day funding against approved invoices at fees starting at 1.4%.
Is Treyd a public or private company?
Treyd is a private company. It is classified as venture growth investor backed and is currently operating.
When was Treyd founded?
Treyd was founded in 2020. It employs 51 to 100 people.
Where is Treyd based?
Treyd is headquartered in Stockholm, Sweden, in the Europe region.
How does Treyd make money?
Two revenue lines are on record. Transaction/Invoice Financing Fees are the primary driver. The others are receivables Financing.
Who are Treyd's main competitors?
Direct peers on record are Froda, Wayflyer, iwoca, Clearco, Capital on Tap, Liberis and MarketFinance. Broad incumbents are Funding Circle, Bibby Financial Services and BlueVine.
Does Treyd have an API?
No public API is recorded for Treyd.
What industry is Treyd in?
Treyd's product category is Working Capital / Invoice Financing. Its primary akta.pro industry code is FSAKAAAH, Emergency & Short-Term Installment Personal Loans (Unsecured), with a secondary code of FSAMAFAG, A2A Payouts & Disbursements. Its NAICS code is 52229 and its SIC code is 6141.