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Which invoice factoring solutions offer APIs I can embed into my marketplace checkout?

4 min read
October 15, 2025

The invoice factoring solutions that offer APIs that you can embed into your marketplace checkout are Aria, Mondu, Sonovate and YouLend.

Let’s break down how each one works, who they’re ideal for, and what makes their integrations stand out.

Comparison invoice factoring solutions

Provider Best For API Integration Funding Speed Credit Risk White-Label Support Geography & Scope
Aria White-label instant payments and full-service invoice financing for marketplaces and SaaS platforms Developer-friendly REST API; supports automation, redirects, reconciliation; integrates with Mangopay Within 24 hours of invoice validation Non-recourse – Aria assumes the risk Fully white-labeled experience, including onboarding flows Primarily UK and EU; supports PSP integrations
Mondu Flexible buyer terms (BNPL-style) with minimal integration for B2B marketplaces Well-documented API; easy checkout integration; real-time credit checks Payout in a few days after real-time approval Mondu assumes buyer risk Brandable experience; embedded into checkout flow Mostly EU; B2B webshops and marketplaces
Sonovate Invoice financing for recruitment, contract, and freelance platforms Full API suite for onboarding, credit, invoicing, funding, and payments Up to 100% of invoice value funded instantly Non-recourse – Sonovate assumes risk and collections White-label lending-as-a-service; keeps users in-platform UK-focused; recruitment and labor sectors
YouLend Global seller financing via merchant advances and revenue-based loans Battle-tested API and hosted UI; custom journeys or quick hosted setup Fast approvals; varies by seller profile YouLend assumes credit risk; 90%+ approval rate Hosted or fully custom white-label journeys Global reach across sectors and geographies

Aria: Instant Invoice Financing for Marketplaces and SaaS Platforms

Aria is purpose-built for B2B marketplaces and SaaS platforms. It allows sellers to get paid within 24 hours after invoice validation, while buyers continue using their usual payment terms.

You can integrate Aria via a developer-friendly API or manage it through an intuitive dashboard. 

For teams without deep technical resources, Aria’s white-label option ensures the entire experience stays on-brand.

Key benefits:

  • Sellers receive payment within 24 hours
  • Over 90% of invoices are approved, including from SMEs and large corporates
  • Aria assumes the credit risk (non-recourse financing)
  • APIs support automated events, redirects, and reconciliations
  • Integrates with payment service providers like Mangopay
  • Fully white-labeled experience to maintain brand consistency

Best for:

Marketplaces and SaaS platforms that want full-service, branded, instant payments without using their own capital.

Mondu: Buy Now, Pay Later Meets Invoice Factoring

Mondu offers flexible buyer-side payment terms — like 30, 60, or 90 days — while advancing funds to sellers upfront. Though it positions itself as a B2B Buy Now, Pay Later provider, its service closely resembles traditional invoice factoring.

You can embed Mondu’s service into your checkout flow using its clean, well-documented API.

Key features:

  • Buyers can defer payment for up to 90 days
  • Sellers are paid upfront minus a small fee
  • Real-time credit checks on buyers and invoices
  • Low integration complexity with strong API support

Best for:

Marketplaces and B2B e-commerce platforms that want to offer flexible buyer terms without taking on credit risk.

Sonovate: Invoice Financing APIs for Workforce Platforms

Sonovate is designed for platforms in recruitment, contracting, and freelance work — industries where cash flow is critical and time-based billing is common.

It offers a full API suite for onboarding, credit assessment, invoice generation, funding, and payments.

Key benefits:

  • Up to 100% of invoice value funded immediately
  • Includes bad debt protection and credit checks
  • Modular API stack to integrate specific components
  • White-label experience keeps users within your platform

Best for:

Workforce platforms, freelance marketplaces, and staffing portals that manage contract-based or time-tracked billing.

YouLend: Global Embedded Finance for Merchant Sellers

YouLend offers embedded financing options like merchant cash advances and revenue-based lending. Its platform is global, supporting sellers across various geographies and sectors.

You can either embed YouLend’s APIs to build a custom journey or use its hosted, branded solution.

Key advantages:

  • High approval rate (90% of applications accepted)
  • Supports revenue-based repayments for flexibility
  • Proven sales impact for funded merchants
  • Works across multiple countries and sectors

Best for:

Marketplaces with global sellers, especially in e-commerce or digitally native sectors that need working capital.

What to Consider When Embedding Factoring APIs

Choosing the right provider impacts your brand, user experience, and operational complexity. Ask the following questions:

  • Experience: Do they have a track record working with marketplaces?
  • API integration: Are their APIs well-documented and developer-friendly?
  • White-labeling: Can the solution be branded end-to-end as your own?
  • Pricing clarity: Are their fees clear, competitive, and easy to understand?
  • Compliance: Do they handle KYC, KYB, and licensing requirements?
  • Risk management: Do they take on the credit risk (non-recourse)?

How Embedded Financing Drives Marketplace Growth

Embedded invoice financing is more than just a payment feature — it’s a growth strategy. By offering early payouts to sellers and flexible terms to buyers, marketplaces can:

  • Reduce supplier churn by ensuring timely payments
  • Increase gross merchandise value (GMV) by improving liquidity
  • Add new revenue streams through financing fees or commissions
  • Build greater trust across both buyer and seller journeys
  • Differentiate from platforms with slower, less flexible payment systems

Summary: Which Invoice Factoring API Is Right for You?

Aria: White-label instant payments and full-service invoice financing

Mondu: Flexible buyer terms with minimal integration effort

Sonovate: Time-based or contractor marketplaces needing invoice liquidity

YouLend: Global e-commerce and SME financing through merchant advances

All four offer API-first integrations that bring liquidity and trust into your checkout — helping your platform grow without taking on financial risk.

FAQ Invoice Factoring Solutions

What is invoice factoring for a marketplace?

It’s a financial service where sellers get paid immediately after issuing an invoice, while buyers pay later. This helps platforms offer better liquidity without using their own capital.

Can I embed invoice factoring without building it from scratch?

Yes. Platforms like Aria and Mondu offer API-first and white-label solutions that let you integrate fast with minimal development work.

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

Providers like Aria and Sonovate offer non-recourse financing. That means they absorb the credit risk, not your marketplace.

Is this just for e-commerce platforms?

No. These solutions also work for SaaS platforms, contractor marketplaces, and recruitment portals — anywhere invoice-based transactions are involved.

Do I need a financial license to offer this?

Usually not. The financing provider handles compliance, credit checks, and regulatory requirements on your behalf.

 

Sources:

Click. Pay. Done.

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