Paris-based embedded finance provider Aria has secured a €7 million Series A extension while launching a €240 million debt facility to significantly expand its invoice financing capacity, strengthening its position in the European B2B payments infrastructure market.
The equity round was led by 115K, the venture capital arm of La Banque Postale, with continued backing from existing investor 13books Capital. The latest investment increases Aria’s total Series A funding to €22 million, while 115K will also join the company’s board of directors.
Alongside the equity financing, Aria introduced a €240 million debt facility designed to scale its embedded invoice financing platform as businesses across Europe continue to face persistent late-payment challenges.
Tackling Europe’s late payments problem
Late payments remain one of the biggest cash flow obstacles for European SMEs, limiting growth and creating unnecessary financial pressure for suppliers.
Aria’s platform enables suppliers to receive payment immediately while allowing buyers to retain their standard payment terms, typically ranging from 30 to 90 days. Rather than providing loans, the company purchases invoices outright, giving businesses immediate liquidity without increasing their debt burden.
According to the company, solving Europe’s late-payment issue could unlock more than €100 billion in additional annual cash flow for businesses.
Financing structure designed for scale
The newly announced debt facility is built around a securitisation structure intended to support continuous invoice purchases.
Under the model, Aria acquires invoices from suppliers before transferring the receivables into a bankruptcy-remote securitisation fund led by Nomura with participation from Fost. The fund issues securities backed by future invoice payments, allowing capital to be recycled as invoices are settled.
A separate investment vehicle backed by Sienna and Montpensier Arbevel provides additional financing capacity to support future growth.
Investing in AI and platform expansion
Aria plans to use the new equity capital to accelerate product development, strengthen its AI capabilities, expand its workforce, and onboard additional enterprise customers across Europe.
CEO and co-founder Clément Carrier said the company aims to eliminate the administrative burden businesses face when chasing unpaid invoices, allowing suppliers to focus on growth instead of collections.
He added that the combination of fresh equity and long-term financing capacity positions Aria to extend its embedded financing infrastructure to a broader range of European businesses.
Rapid growth across embedded finance
Founded in 2020, Aria provides embedded invoice financing infrastructure for B2B marketplaces, ERP platforms, treasury software, and vertical SaaS providers operating across Europe.
Its API integrates financing directly into existing business software, handling identity verification, credit assessments, collections, insurance, and payment processing while adapting to local regulations and currencies.
The company says it currently supports more than 70 leading European B2B marketplaces and freelance platforms, including Malt and Job&Talent.
Since launch, Aria has financed over €1.5 billion worth of invoices while maintaining a default rate below 0.1%. The company reported financing 1.7 million invoice advances during 2025, with more than 1.1 million additional advances already processed in 2026.
Why it matters
Embedded finance continues to move beyond payments into broader working capital infrastructure. As marketplaces, ERP providers, and vertical SaaS platforms increasingly integrate financial services directly into their software, embedded invoice financing is becoming a critical tool for improving SME liquidity without introducing traditional lending products.
Aria’s combination of fresh equity funding and a large-scale securitisation facility strengthens its ability to serve growing transaction volumes while expanding into industries where extended payment cycles remain common, including transportation, manufacturing, and construction.
About Aria
Founded in 2020 and headquartered in Paris, Aria is a fintech company that provides embedded invoice financing infrastructure for B2B platforms across Europe. Through a single API, the company enables marketplaces, ERP providers, treasury platforms, and vertical SaaS companies to offer instant supplier payments while allowing buyers to maintain standard payment terms. Aria has financed more than €1.5 billion in invoices and supports over 70 enterprise platforms across the European market.
