Aria Secures €7 Million Funding and Unveils €240 Million Debt Facility to Combat Late Payments Across Europe

Aria, a Paris-based FinTech scale-up, has recently secured a €7 million Series A extension round and unveiled a €240 million debt facility to expand its invoice financing platform in Europe. This move aims to combat the prevalent issue of late payments faced by businesses in the region.

The Series A extension was led by 115K, the venture capital arm of La Banque Postale, with 13books Capital also participating. With this funding, Aria’s total Series A funding now stands at €22 million. The company plans to utilize this capital to enhance its AI tools, hire new talent, and onboard additional clients.

In addition to the equity round, Aria has structured a debt facility through two vehicles. The primary structure is a securitisation fund led by Nomura and Fost, where Aria purchases invoices from suppliers and transfers receivables to the fund. This fund then issues securities to investors backed by buyers’ future payments. Another legal vehicle involves commitments from Sienna and Montpensier Arbevel.

Clément Carrier, the CEO and co-founder of Aria, emphasized the importance of addressing late payments, stating, “No business owner should spend an average of 86 hours a year chasing late payments. That’s more than two working weeks spent on the phone and writing emails instead of building their business.” He further expressed the company’s commitment to enabling suppliers to receive prompt payments and move forward with their operations efficiently.

Carrier added, “This equity raise and securitisation fund lets us bring that experience to more businesses. Having the right backers who understand the complexity of our market is key, so we’re pleased to bring the financial and regulatory acumen of investors like 115K to our cap table.”

Established in 2020 by Carrier, Aria specializes in providing pan-European embedded invoice financing infrastructure for B2B marketplaces, ERP systems, and vertical SaaS platforms.

According to the company, late payments pose a significant threat to small businesses in Europe, with potential cash flow of over €100 billion annually being unlocked by addressing this issue. The UK alone experiences a cost of €12.9 billion (£11 billion) per year due to late payments, leading to 38 business closures daily. In response, the government introduced its first late payments legislation in over 25 years in March.

Aria’s solution involves bridging the gap between suppliers in need of quick payments and buyers who prefer longer terms. The platform integrates invoice financing directly into B2B transactions within ERP systems, marketplaces, and vertical SaaS platforms.

The FinTech company ensures immediate payment for suppliers, while buyers maintain their typical 60-day payment terms. Aria purchases the invoice instead of providing a loan against it, offering suppliers predictable cash flow without incurring debt. The platform streamlines identity checks, credit assessments, collections, insurance, and payments through a single API, adapting to various local regulations, currencies, and payment methods across Europe.

Differentiating itself from revenue-based financing, B2B BNPL, or traditional factoring, Aria emphasizes its infrastructure approach that seamlessly integrates within platforms without requiring separate applications or sign-ups. This ensures instant payments for users without leaving the platform, with a focus on underwriting invoices rather than rejecting them like traditional factors.

Aria’s services cater to B2B marketplaces, talent agencies, vertical SaaS providers, ERPs, and corporate treasury systems where invoices are digitally managed. The platform is ideal for scenarios involving SMB sellers invoicing larger corporate buyers with payment terms ranging from 30 to 90 days.

Armelle de Tinguy, Managing Partner at 115K, commended Aria’s unique payment and financing infrastructure tailored for marketplaces and B2B platforms. The company’s strong unit economics, proven model, exceptional team, and successful execution in a challenging market have positioned it for significant growth across Europe.

These recent developments follow a year of rapid expansion for Aria, with over 1.7 million invoice advances financed in 2025 and additional advances in 2026. The company currently supports more than 70 major B2B marketplaces and freelance platforms in Europe, including Malt and Job&Talent. Since its inception in 2020, Aria has facilitated over €1.5 billion in invoices while maintaining a default rate below 0.1%.

Aria’s future plans include further expansion in sectors such as transportation, manufacturing, and construction, where late payments have a significant impact.