Can I fully brand a white-label supplier financing solution as my own? Which providers allow me to do this?
Yes, you can fully brand a white-label supplier financing solution as your own, through providers like Aria, YouLend, Defacto and Liquiditas.
But “fully branded” often means more than teams expect. It’s not just colours and logos, it’s about embedding financing so deeply that it feels native to your platform, while the financing provider stays invisible except where regulation requires disclosure.
Below is a breakdown of what full branding actually means, why marketplaces use third-party financing, and which providers support the deepest white-label experiences.
What does “fully branded” financing actually mean?
When platforms talk about “fully white-label” financing, they typically mean four things.
1. Your brand, everywhere that matters
- Onboarding flows
- Supplier dashboards
- Financing offers
- Notifications and updates
- Invoice or payout pages
Suppliers feel like your platform is offering financing, not a third party.
2. The financing provider stays invisible
Most jurisdictions allow the financing provider to remain hidden in the UI. They may appear only in:
- Terms & conditions
- Legally required disclosures
- Contracts or repayment schedules
But not in the day-to-day supplier experience.
3. Embedded inside your workflow (no redirects)
Fully branded = no shifting users off-platform. The financing flows live directly inside your:
- Checkout
- Invoice validation
- Supplier payouts
- Marketplace dashboards
This protects trust, conversion, and retention.
4. Regulatory realism
White-label financing is not the same as becoming a lender. In some countries, the official lender must be named, but the UX, commercial experience, and branding remain yours.
This is the standard most modern marketplaces aim for.
Why marketplaces choose third-party financing instead of funding suppliers themselves
Many platforms start by advancing funds from their own balance sheet. It works early on, then it becomes unsustainable.
Problems with self-funding:
- Your cash gets tied up
- You absorb credit risk and defaults
- You become responsible for KYC/KYB, AML, fraud, and collections
- You hit regulatory boundaries
- Scaling becomes slow and expensive
White-label providers solve these issues by offering:
- Capital (so you don’t fund it yourself)
- Risk and collections management
- KYC/KYB and fraud prevention
- Automated credit scoring
- A fully branded supplier experience
But different models – lending vs invoice financing – work very differently.
Lending vs. invoice financing: Why the difference matters
White-label lending (loans to suppliers)
Suppliers take out a loan, which creates friction:
- Personal guarantees may be required
- Loans appear as liabilities
- Interest accrues
- Cash-flow stress doesn’t always improve
Many SMB suppliers avoid loans because they feel risky.
Embedded invoice financing (advance against invoices)
Suppliers sell an invoice and get paid upfront. There is:
- No long-term debt
- No compounding interest
- No personal guarantees
- No repayment pressure if the buyer pays late
If the buyer defaults, the financing provider absorbs the loss, not the marketplace or supplier.
This is why invoice financing is typically a better fit for B2B marketplaces.
“This is about handling thousands of invoices automatically, not negotiating a loan every time cash is needed.” – Tom Lamb, Financing Specialist at Aria
Providers that support fully branded supplier financing
Below are leading providers that allow deep white-label implementations.
Aria: Fully branded embedded invoice financing for marketplaces
Aria enables marketplaces to offer instant supplier payouts without using their own balance sheet.
What Aria provides:
- Suppliers paid within 24 hours of invoice validation
- Buyers keep their usual 30/60/90-day terms
- Fully white-label flows embedded in your platform
- Runs alongside your PSP, not instead of it
- No redirects; everything feels native
Risk & compliance handled by Aria:
- Credit risk and defaults
- Collections (with relationship-safe dialogue)
- KYC/KYB across 100+ countries
- Fraud detection and invoice validation
- Instant credit scoring
Why Aria fits B2B marketplaces:
- Underwrites the buyer, not the supplier
- Includes long-tail SMBs neglected by banks/factors
- Scales without you deploying capital
Result: higher supplier retention, more GMV, and zero risk for the marketplace.
YouLend: White-label working capital for merchants
YouLend offers fully branded revenue-based financing.
Strengths:
- Fast onboarding
- Fully branded borrower journeys
- Go-live in days
- High approval rates for SMEs
- Multiple capital products under one integration
Considerations:
- It is lending, not invoice financing
- Repayments are tied to future revenue
- Not tailored to invoice-level cash flow
Best for marketplaces offering general working capital, not invoice-specific payouts.
Defacto: White-label short-term business lending
Defacto offers API-first white-label lending for SMEs.
Strengths:
- Fully branded flows
- Automated underwriting
- Fast approvals
- No-code and API integration
Considerations:
- Lending model (not invoice-centric)
- Repayments triggered by schedules, not buyer invoices
- In many cases, the user journey includes a redirect, as Defacto relies heavily on open banking data to power its credit decisions
This means that while the experience can be branded, parts of the underwriting flow may take place outside the core marketplace environment.
Suitable for: Marketplaces that need flexible short-term credit and are comfortable with lending-style workflows rather than fully embedded invoice-level payouts.
Liquiditas: Modular, fully white-label supply-chain finance
Liquiditas supports large enterprises and banks offering supply-chain finance under their own brand.
Capabilities:
- Reverse factoring
- Dynamic discounting
- Early supplier payments
- Receivables financing
- Deep UI and pricing control
Considerations:
- Heavy to implement
- Best suited for enterprise-grade programs
Ideal only for platforms wanting to run a full SCF ecosystem.
So, can you fully brand supplier financing as your own?
Yes, completely. But choosing the right model matters far more than choosing the right colours.
If you want:
- No loans for suppliers
- No capital tied up
- No credit risk
- No friction or redirects
- A fully native UX
→ Embedded invoice financing (e.g. Aria) is the cleanest fit.
If you want:
- General working capital
- High-volume lending
- Revenue-based financing
→ Providers like YouLend, Liquiditas, and Defacto work well.
The key is matching the financing model to how your marketplace actually operates, and to what your suppliers genuinely need.
When financing feels like part of your product, not a bolt-on, suppliers move faster, buyers stay loyal, and your marketplace grows without taking on financial risk.
FAQs
1. Can a marketplace fully brand a supplier financing solution as its own?
Yes. Most white-label financing providers allow marketplaces to offer supplier financing entirely under their own brand. The platform controls the UI, messaging, and onboarding flows, while the financing provider operates invisibly in the background and appears only in mandatory legal disclosures.
2. What does “fully white-label” financing actually include?
A fully white-label financing solution typically includes:
- Your logo, colours, and tone across all financing screens
- Embedded, non-redirect onboarding and funding flows
- White-label dashboards and notifications
- Invisible lender presence except where regulation requires disclosure
The result is a financing experience that feels native to your product.
3. Do marketplaces need to use their own capital to fund suppliers?
No. White-label providers supply the capital and take on credit risk. This lets marketplaces offer instant payouts without tying up cash, managing collections, or becoming a regulated lender.
Sources: