From 20 factoring partners to one: How Job&Talent automated invoice financing across Europe
Job&Talent is an AI-powered digital staffing and workforce management platform connecting 300,000 workers with businesses across 10 countries. With €1.8 billion in revenue in 2024, they needed a financing partner that could match their scale and speed. They chose Aria to consolidate 20+ fragmented factoring providers into one automated solution.
Managing 300,000 workers across Europe with 20 different factoring partners
As a temporary staffing platform, Job&Talent faces a fundamental cash flow challenge: they pay workers upfront, but clients only pay 30 to 60 days later. This creates a 45-day cash flow gap that requires working capital financing at scale.
Before Aria, Job&Talent relied on 20+ factoring partners across different jurisdictions. Each provider had its own platform, its own processes, and its own timeline. The result? Operational chaos.
The team spent countless hours uploading invoices manually, tracking payments across multiple dashboards, and sharing collection information with different providers. The average lead time to get financing was 14 days—far too slow for a fast-growing platform.
Beyond the operational burden, Job&Talent had another problem: no leverage. Traditional factoring providers were inflexible when it came to credit limits, payment terms, or adapting to Job&Talent’s specific workflows. The company needed a partner who could move as fast as they did.
Solution
One integrated partner, automated workflows, multi-country coverage
Job&Talent didn’t just need a factoring provider—they needed a tech partner. That’s where Aria came in.
The key differentiator? NetSuite integration. Aria’s API connects directly to Job&Talent’s ERP, automatically transferring invoices the moment they’re created. No manual uploads. No platform switching. No delays.
But getting there required flexibility. When Job&Talent first approached Aria, they were in peak season and couldn’t implement a full API integration right away. Aria adapted, building a customised manual process that was still more efficient than their previous solutions. Within three weeks, they were live in the UK.
Once the integration was complete, the entire financing workflow became automated. Invoices flow from NetSuite to Aria instantly. Credit evaluation happens in real time. Payments are processed within 24 hours. And when a client pays, the system automatically tracks collections and reimbursements.
The beauty of this setup? Replication. The framework built for the UK was easily rolled out to Spain and Germany—each new country launching in about a week. France is next.
Aria also brought flexibility where traditional providers couldn’t. When Job&Talent faces seasonal peaks with large clients, they can quickly adjust credit limits on a case-by-case basis. No rigid terms, no bureaucratic delays.
Results
From 3 FTEs to 1 hour per week—and expanding across Europe
The impact was immediate and measurable.
Speed: Financing that used to take 14 days now happens in 24 hours. Job&Talent sends an invoice on Thursday, gets paid on Friday. Workers get their wages on time, every time.
Efficiency: What used to require three people working full-time now takes one person a few hours per week. The UK team went from manually uploading invoices and chasing factoring partners to simply monitoring an automated system. No manual work. No tracking spreadsheets. Just oversight.
Scalability: Job&Talent expanded from one country to four in under a year. The API framework makes new rollouts fast and seamless. When they added Germany, it took about a week.
The operational efficiency gains freed up the team to focus on what actually matters: analytics, reporting, and strategic decision-making. Instead of drowning in manual processes, they’re using data to optimize the business.
And the partnership itself? Built on trust and speed. Job&Talent and Aria communicate via a dedicated Slack channel. Issues get acknowledged and resolved within 10 minutes. No email chains, no waiting days for responses.
The stakes are real. When asked what would happen if Aria disappeared tomorrow, Zandre was clear:
What’s Next
Scaling further: Unbilled receivables and early wage access
Job&Talent and Aria aren’t done. The partnership is expanding into Belgium and France, and they’re working on a new project: financing unbilled receivables.
This means Job&Talent will be able to get financing before invoices are even created—critical for supporting their upcoming early wage access product, which allows workers to draw down on wages before payday.
It’s the kind of innovation that’s only possible with a flexible, tech-forward partner.
