SMBs are funding the largest shadow lending program in history
€3.2 trillion trapped in invoices
Late payment culture creates no winners. It only fosters fragility. Corporates optimise working cap on paper while their supply chain collapses. SMBs wait 90 days for payment burning cash they don’t have. This is a broken system.
The creditworthiness paradox
When a 2-person SMB invoices a FTSE100 company, traditional finance checks the SMB. The billion-euro company owing the invoice? Ignored. This logic locks out SMBs out of financing for invoices guaranteed to be paid.
The abandoned long tail
Companies with a strong financial maturity can turn to banks to get alternative solutions. The small local supplier providing a key component of the production chain gets left behind because they’re too costly to serve manually.
The working capital dilemma
Finance optimizes for DSO. Procurement optimizes for supplier stability. Extending payment terms helps one metric while harming the other. It’s not a trade-off anyone chose—it’s a structural constraint no one can solve alone.
Aria is the infrastructure making late payment irrelevant in B2B
The only data we need to provide financing is the invoice. No open banking connectors or lengthy application process. One simple invoice, sent to us by API.
Making instant payment the default for B2B marketplaces
Stop losing suppliers to platforms that pay faster
Turn every invoice into revenue
Offer payment flexibility without becoming a lender
Optimise working capital without operational overhead
Instant financing taken care of, every step of the way
Risk assessment, underwriting, payment, insurance, collections, reconciliation. B2B payments are infrastructure problems disguised as transactions. We handle every step.
Payments
Payment flows, handled.
Process B2B payments across 100+ countries and currencies with one integration. SEPA, SWIFT, FPS – we handle the rails. Dedicated IBANs, automated reconciliation, configurable payment flows. Your platform moves money seamlessly while we manage the complexity of international payment infrastructure.
Risk scoring
Risk checks, automated.
Dozens of risk checks that traditionally take days – debtor solvency, KYC/KYB across 100+ countries, fraud detection, invoice validation – now processed automatically with 92% instant decisioning. The complexity doesn’t disappear, it just becomes invisible. Aria scores the debtor, approves the supplier, and pays.
Invoice protection
Non-payment, insured.
Invoices are purchased outright, not financed. Buyer defaults? Aria absorbs it. Disputes? Aria resolves them. Collections? Aria handles it. Zero credit risk on your balance sheet. Payment becomes infrastructure, not liability.
API
Embed instant financing in weeks
Launch invoice financing without rebuilding everything. Aria’s API lets you pay suppliers instantly and get reimbursed later, all within your existing workflows.
- Simple REST integration with clear docs and sandbox access
- Full flexibility on who pays the fee and how
- Top notch support provided by an implementation manager
Start paying faster
You have questions, we have answers.
We work with B2B marketplaces, talent & staffing agencies, vertical SaaS, ERPs, and corporate treasury systems—anywhere invoices are created or managed digitally. Best fit: platforms with SMB sellers invoicing larger corporate buyers, and payment terms of 30-90 days.
We do. We underwrite based on the debtor (the company that owes money), not your user. If a CAC40 company doesn’t pay, that’s our problem, not yours or your user’s. We’re essentially extending credit to the debtor, not your platform or users.
We’re not credit for buyers, and we’re not a separate application process. We’re infrastructure that sits inside your platform—one API call, no redirect, no separate signup. Your users get paid instantly without anyone leaving your software. Traditional factors reject 95% of invoices; we underwrite them. BNPL players assess buyers and send them elsewhere; we assess debtors and stay invisible.
If your users invoice large corporates and wait 30-90 days for payment, you’re watching them struggle with cash flow while sitting on perfectly good receivables. That struggle shows up as churn, complaints, or just slower growth than you’d like. The “catch” is that yes, financing has a cost—but it’s a cost your users choose when cash flow matters more than waiting. And you get to be the platform that solved their problem, not the one that ignored it.
Two components: a transaction fee (paid by your platform or passed to users) and a financing fee (what it costs to access cash early—typically 1-3% depending on payment terms and debtor risk).
In any case, you can choose if you bear the fee or pass it on to your suppliers.