Are there white-label invoice financing providers for B2B marketplaces?

Yes, there are white-label invoice financing providers for B2B marketplaces, such as companies like Aria, Tilta, Mondu and Kriya.

These embedded finance tools let marketplaces pay sellers instantly, while buyers continue to enjoy extended payment terms (30–90 days).

This financing model strengthens supplier loyalty, drives higher transaction volumes, and unlocks new revenue streams — all without affecting the marketplace’s own cash flow.

Comparison of white-label invoice financing providers

Feature / Provider	Aria	Tilta	Mondu	Kriya
Best for	Full-stack B2B platforms	Fast BNPL-style checkout finance	Lightweight “Pay by Invoice” flows	Global invoice finance at scale
Seller Payout Speed	< 24 hours	Typically < 48 hours	1–3 days	Up to 90% in 24–48 hours
Credit Risk Model	Non-recourse (Aria takes risk)	Non-recourse	Non-recourse (per invoice opt-in)	Non-recourse available
Integration Type	API or white-label dashboard	UI widgets or hosted front-end	Simple API / UI integration	Full API + account connections
Global Coverage	Yes – 100+ countries and multi-currency	Limited public info	Primarily DACH / EU	45+ countries, multi-currency
KYC/KYB & Compliance	Built-in, fully managed	Yes	Yes	Yes
Branding Support	Fully white-labeled	Fully white-labeled	Fully white-labeled	Fully white-labeled
Standout Feature	Human support, configuration flexibility + high approval rate	Low-code BNPL setup	Seller opt-in for flexibility	Deep financing history & tools

 

Aria

Focus: Deep integration, full stack B2B payments + financing

Strengths & features:

• High acceptance / minimal rejections. Aria finances nearly all invoices to large corporates and most SME invoices.
• Rapid payouts. After approval, seller receives funds within 24 hours.
• True non‑recourse risk handling. Aria absorbs credit risk and manages defaults and collections on behalf of the marketplace.
• White-label embedding. Offers APIs and ability to surface a branded dashboard so users never see “Aria” on the interface.
• Global reach. Supports buyers and suppliers across ~100+ countries.
• Full compliance and risk tooling. KYC/KYB, fraud detection, risk scoring built-in.
  

Use cases: Platforms like freelance marketplaces (Malt, Brigad), vertical SaaS with supply relationships, or marketplaces scaling across multiple geographies. Aria has already shown strong European traction and is pushing expansion in the UK. 

Caveats: Integration may take weeks depending on complexity and engineering bandwidth. 

Tilta

Focus: Fast checkout-level embedding, B2B BNPL & invoice finance

Strengths & features:

• White-label BNPL / credit-backed payments. Tilta markets itself as a white‑labeled “credit-backed” checkout solution for B2B marketplaces.
• Flexible deployment. Offers UI widgets, hosted front-end options, and API integrations to suit light or deep integration.
• Configurable pricing & fees. Marketplaces retain control over how fees or interest are allocated.
• Real-time buyer verification. Credit checks and decisioning happen at checkout, enabling seamless buyer experience.

Advantages: Quick to deploy, minimal friction, and a good option for marketplaces that want incremental financing without full back-end overhaul.

Trade-offs / considerations: It may not have the depth of risk absorption or collection capabilities compared to players focused purely on invoice finance. (Public sources about Tilta are limited.)

Mondu

Focus: Embedded “pay by invoice” / lightweight factoring for webshops & smaller marketplaces

Strengths & features:

• Seller‑initiated financing. Sellers can elect “Get Paid Now with Mondu” on selected invoices.
• Auto credit assessments. Mondu performs real-time credit checks on buyers.
• Low integration burden. Suitable for vertical SaaS or marketplaces that want to add financing without heavy dev work.
• White-label experience. UI and communications can be branded to the marketplace (so end users don’t see “Mondu”).
  

Advantages: Good fit when the marketplace wants optional financing rather than “always-on” for every transaction. It’s lighter and more modular.

Limitations: Less visibility in public sources about deep risk absorption, global scale, or full collection operations compared to incumbents.

Kriya (formerly MarketFinance / MarketInvoice)

Focus: Invoice finance, embedded trade credit, and cross-product SMB lending

Strengths & features:

• Strong legacy & volume. Kriya has financed billions in invoices and is a well-known UK fintech
• Advance up to ~90%. The platform can pay up to 90% of the invoice immediately.
• Multi-product capabilities. Beyond invoice finance, Kriya also offers embedded “Buy Now Pay Later” for B2B, working capital loans, and offline payments.
• Invoice verification flexibility. They support email-based confirmation, account‑connect verification, and other methods.
• Confidential discounting and selective invoice finance. You can choose which invoices to finance or use the entire ledger (subject to eligibility).
• Transparent pricing options. Offers pay-as-you-go or monthly subscription models.
  

Advantages: Strong track record in the UK, multiple financing flavors, mature infrastructure and reputation.

Things to check: For very international marketplaces, check how Kriya handles multiple currencies and jurisdictions. Also, confidential (full‑ledger) discounting has stricter eligibility requirements.

How It Works (Typical Flow)

1. A buyer places an order and an invoice is generated in the marketplace system.
2. The marketplace (or the supplier) submits the invoice to the financing provider.
3. The provider validates the invoice (credit checks, KYC/KYB, fraud checks).
4. The provider advances most of the invoice value (e.g. 80–90 %) to the seller.
5. The buyer pays the full amount on the agreed due date.
6. The provider collects payment, deducts fees, and remits the remainder (if any) to the seller.
   

Integrations are usually API‑based, with optional white‑label dashboards or low/no-code widgets so the user experience stays native to the marketplace.

How to Choose the Right White-Label Invoice Financing Provider for Your Company

Here are pointers for selecting the right partner:

• Depth vs speed: Aria and Kriya offer deeper risk assumption and scale, while Tilta and Mondu are leaner and quicker to deploy.
• Risk model matters: If non-recourse (i.e. provider carries default risk) is crucial, validate that with the provider.
• Brand control: Ensure white-label support for UI, emails, and dashboards.
• Flexibility: If you have a strong engineering team, an API-first solution (Aria, Kriya) might suit you which allows you to customise the whole customer journey and avoid a redirect during checkout; otherwise prefer widget/hosted options.
• Geographic footprint: If you operate across countries, verify multi-currency, cross-border support, and licensing coverage.
• Fee transparency: Compare per-invoice fees, minimums, and any subscription/licensing costs.
  

White-Label Financing Providers Final Take

White-label invoice financing has matured from niche to critical infrastructure for B2B marketplaces. With providers like Aria, Tilta, Mondu, and Kriya, marketplaces can:

• Ensure sellers get paid within 24 hours
• Let buyers keep flexible invoice terms
• Retain full branding and control of the UX
• Offload credit risk, collections, and regulatory burden
• Scale faster and globally without trapping working capital
  

Choosing the right partner depends on your priorities — deep underwriting, speed-to-market, branding control, geographic reach — but whichever you pick, embedded financing is fast becoming a baseline expectation for modern B2B platforms.

White-label invoice financing providers FAQ

1. What is white-label invoice financing?

It’s a way for marketplaces to let sellers get paid instantly while buyers pay later. The financing is done by a third party but branded under the marketplace’s name.

2. How does it work?

The seller sends an invoice, the provider advances most of the amount, and collects from the buyer later. All of this happens under the marketplace’s interface.

3. Is it the same as BNPL?

Not exactly. Invoice financing / invoice factoring pays the seller early; BNPL gives the buyer more time to pay. Some providers offer both.

4. Who takes the risk?

In most cases, the provider takes on credit risk (non-recourse). This protects the marketplace from buyer defaults.

5. How does the marketplace benefit?

They improve seller retention, unlock new revenue (e.g. fees), and scale without using their own capital.

Sources:

• https://www.tilta.io/
• https://en.wikipedia.org/wiki/Kriya_%28company%29
• https://www.kriya.co/solutions/invoice-finance
• https://www.kriya.co/invoice-finance-faq
• https://www.kriya.co/
• https://www.finder.com/uk/business-loans/marketinvoice