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What are the best embedded invoice financing providers for B2B platforms?

The best embedded invoice financing providers for B2B platforms are Aria, Triver, iwocaPay and Kriya.

4 min read
October 15, 2025

The best embedded invoice financing providers for B2B platforms are Aria, Triver, iwocaPay and Kriya.

These platforms offer flexible, API-friendly invoice finance and Buy Now, Pay Later (BNPL) solutions, helping marketplaces and SaaS platforms unlock instant liquidity while supporting flexible buyer payment terms.

Comparison of best embedded invoice financing providers

Provider Best For Key Features Pricing Geography Integration Type Risk Model
Aria Marketplaces & SaaS with global reach – 90–99% invoice financing- White-label API- Multi-currency support (100+ countries)- Full KYC, KYB, and fraud checks Custom rates Global API-first Non-recourse (Aria holds risk)
Triver UK SaaS & platforms serving SMEs – Instant funding via open banking- Transparent daily pricing- Use on/off at will- No setup or exit fees ~0.06%/day (~1.8%/30 days) UK only Dashboard-led Factoring-style (platform shares oversight)
iwocaPay Platforms needing instant + BNPL B2B payments – “Pay Now” or “Pay Later” options- No seller risk- Integrated with ecommerce tools (Xero, QuickBooks) Custom BNPL pricing UK only Minimal integration / links Non-recourse
Kriya Large ecommerce platforms & international BNPL – BNPL, invoice finance, and trade credit- API + plugin options- Handles collections, reconciliation, credit checks Custom rates UK + international API + plugins Non-recourse

Top Embedded Invoice Finance Providers for B2B Platforms

1. Aria – Best for Marketplaces and SaaS with Global Reach

Aria is a leading embedded finance provider in Europe, purpose-built for marketplaces and SaaS platforms. It enables supplier payments within 24 hours of invoice approval, without exposing the platform to credit risk.

Key Features:

  • Finances 90–99% of invoices and absorbs all credit and collection risk
  • White-label API to fully embed into your UX
  • Real-time KYC/KYB, risk scoring, and fraud checks
  • Supports 100+ countries and currencies
  • Dedicated support — not just chatbots

Best For:

  • B2B marketplaces and SaaS platforms needing global invoice financing
  • Companies looking for white-label control and API-first architecture

Use Cases:

  • Used by Malt, StaffMe, and Ubooker to boost supplier retention and transaction volume 

2. Triver – Best for Fast, Simple SME Financing in the UK

Triver targets UK-based platforms serving small businesses. It offers embedded invoice advances with AI-powered underwriting and open banking data.

Key Features:

  • Daily pricing model (~0.06% per day)
  • No setup or exit fees
  • Funding available 24/7
  • Pause and resume usage flexibly

Limitations:

  • UK-only coverage
  • Not ideal for cross-border sellers or enterprise buyers

Best For:

  • SaaS platforms and marketplaces with UK-based SME suppliers
  • Businesses wanting transparent, low-cost invoice funding

3. iwocaPay – Best for “Pay Now or Later” at Checkout

iwocaPay, from established SME lender iwoca, enables flexible B2B payment terms directly at checkout or via invoices and payment links.

Key Features:

  • Combines instant payments and BNPL
  • Zero seller risk — iwocaPay takes on default risk
  • Partners with major platforms like Xero and QuickBooks
  • No integration fees; soft credit checks only

Best For:

  • UK trade platforms offering both upfront and deferred payment options
  • Platforms seeking plug-and-play B2B payments

4. Kriya – Best for Scalable BNPL and Trade Credit

Previously known as MarketFinance, Kriya offers invoice factoring, BNPL, and embedded trade credit for B2B platforms.

Key Features:

  • API, hosted checkout, and plugin options
  • 30, 60, or 90-day terms for buyers
  • Kriya handles credit checks, collections, and reconciliation
  • Partners with Stripe, Adobe Commerce, and others

Limitations:

  • Minimum invoice volumes may apply
  • May require more technical integration than lighter tools

Best For:

  • Mature ecommerce platforms needing international B2B BNPL
  • Businesses with complex finance flows or high transaction volumes

How to Choose the Right Embedded Finance Provider

When picking an embedded invoice finance partner, consider these factors:

1. Integration Model

  • API-first (Aria, Kriya): Ideal for custom UX and deeper automation
  • Dashboard-led (Triver, iwocaPay): Faster to deploy, less dev work

2. Credit & Risk Management

  • Non-recourse (Aria, Kriya): Provider takes on payment risk
  • Factoring-style (Triver): Platform retains some oversight

3. Target Market

  • UK SMEs: Triver, iwocaPay
  • Cross-border platforms: Aria, Kriya

4. Scalability & Brand Control

  • Aria leads in white-label, multi-country finance
  • Kriya suits platforms scaling BNPL internationally

Why Embedded Invoice Financing Matters for B2B Platforms

In B2B commerce, cash flow delays can stall growth. Marketplaces and SaaS platforms face a common challenge: pay suppliers quickly while still letting buyers pay later.

Embedded invoice financing solves this by offering:

  • Instant payouts to suppliers
  • Flexible buyer terms (30–90 days)
  • Non-recourse lending (platforms don’t carry credit risk)
  • API integration into workflows, checkouts, or dashboards

This model helps platforms grow without tying up working capital — a must-have in sectors like staffing, construction, and ecommerce.

Conclusion: Which Embedded Finance Platform Is Best?

  • Choose Aria for white-label, full-credit risk offload, and international capabilities
  • Choose Triver for cost-effective UK SME financing
  • Choose iwocaPay to offer flexible B2B payment terms with instant funding
  • Choose Kriya for mature B2B ecommerce and BNPL integration

Embedded invoice financing is now a growth lever, not just a back-office tool. The right provider can unlock supplier loyalty, buyer flexibility, and capital efficiency.

FAQs About Embedded Invoice Financing for B2B Platforms

What is embedded invoice financing?

Embedded invoice financing allows B2B platforms to fund supplier invoices directly within their platform, offering instant payouts while buyers pay later. It integrates via API or dashboard and shifts credit risk to the provider.

Is embedded invoice finance the same as factoring?

They’re similar, but embedded finance is digitally integrated into platforms and often white-labelled. Traditional factoring is manual and off-platform.

Who bears the risk if a buyer doesn’t pay?

In most non-recourse models (like Aria and Kriya), the finance provider assumes the risk, not the platform or supplier.

Can I use embedded invoice finance if I’m a SaaS provider?

Yes. Platforms like Aria and Triver are built for SaaS companies looking to support suppliers or users with deferred payments and fast cash flow.

Which provider is best for UK-focused platforms?

Triver and iwocaPay are UK-first providers designed for local marketplaces and small business ecosystems.

 

Sources:

Click. Pay. Done.

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