Adyen, the global fintech platform, has launched Fresha Capital, an embedded lending solution in partnership with Fresha, a marketplace platform for beauty, wellness and self‑care businesses.
The offering is now available in seven key markets and has issued more than $5.5 million in capital to date, reinforcing Fresha’s financial ecosystem and expanding access to working capital for small and medium‑sized businesses (SMBs) across its platform.
Fresha Capital is built on Adyen Capital, part of Adyen’s broader suite of embedded finance products that allow platform businesses to provide financial services directly within their user interface. Embedded finance extends beyond traditional payments to offer services such as lending, enabling platforms to support their SMB users with tailored financial solutions.
The solution is now live in the United States, United Kingdom, Australia, Canada, the Netherlands, Finland and Sweden. Through the partnership, Fresha, which serves approximately 140,000 businesses and 450,000 professionalsand facilitates over 35 million appointments per month, can offer eligible users streamlined access to funding to support operational needs and growth.
Under the embedded lending program, SMB users can view pre‑approved loan offers and request financing in seconds. Funding can be accessed within hours or, in some cases, the same business day, with loan amounts that range from $500 to $50,000 (or local currency equivalents), based on sales performance rather than traditional credit applications. Repayments are automatically adjusted as a fixed percentage of daily sales, ranging from 1% to 15%, with terms up to nine months and no fees for early or late repayment.
Hemmo Bosscher, Senior Vice President and Global Head of Platforms & Financial Services at Adyen, said the collaboration with Fresha highlights how platforms can move beyond embedded payments to integrate embedded lending, potentially introducing new revenue streams and strengthening relationships with customers across multiple markets.
For SMBs, embedded financing is designed to meet common cash‑flow needs such as purchasing equipment, covering payroll or investing ahead of peak business periods. Users cited in the press release reported that rapid access to capital helped maintain operations and pursue growth opportunities without the delays associated with traditional lending.
From a strategic standpoint, Fresha anticipates that the availability of embedded finance will improve platform user loyalty and engagement by addressing one of the primary financial barriers faced by service‑based businesses. The adoption of Fresha Capital across multiple markets in a matter of weeks illustrates the rapid deployment capability of Adyen’s embedded finance infrastructure.
Adyen assumes all lending and credit risk associated with Fresha Capital and supports platform partners with integration via white‑label components or APIs, enabling a faster go‑live timeline. According to the release, approximately 80 % of businesses that accept a Capital offer return to take a second loan, reflecting ongoing demand for embedded working capital solutions.
