Aria Raises $7.6M and $261M Debt Fund to Fight Late Payments

Jan de Vries · 2026-07-10

Late payments are a silent killer for small businesses. You spend hours chasing invoices instead of growing your company. Aria, a Paris-based FinTech, just raised $7.6 million in Series A extension funding and secured a $261 million debt facility to tackle this head-on. ### The Funding Details The equity round was led by 115K, the venture capital arm of La Banque Postale, with returning investor 13books Capital also participating. This brings Aria's total Series A to $23.9 million. 115K will join Aria's board of directors. The company plans to use this capital to invest in AI tooling, hire new team members, and onboard more clients. The debt facility is structured across two vehicles. The securitisation fund, a bankruptcy-remote vehicle led by Nomura with Fost, is the primary structure. Aria buys invoices from suppliers and transfers the receivables to the fund, which issues securities to investors backed by buyers' future payments. As buyers settle their invoices, the cash recycles to finance new purchases. In a separate legal vehicle, Sienna and Montpensier Arbevel have committed additional capital. ### The Problem: Late Payments Cost Billions According to the EU Payment Observatory annual report 2025, tackling late payments could unlock over $109 billion in additional cash flow each year in Europe. The problem is equally acute in the UK, costing the economy $14 billion annually and contributing to 38 business closures every day. This prompted the UK government to introduce its first late payments legislation in over 25 years back in March. Clément Carrier, CEO and co-founder of Aria, said, "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. We want suppliers to get paid straight away and move on to the next order." ### How Aria Works Aria bridges the gap between suppliers who need to be paid quickly and buyers who prefer longer terms. The platform embeds invoice financing directly where B2B transactions happen: inside ERP systems, marketplaces, and vertical SaaS platforms. Suppliers get paid immediately, while buyers retain their usual 60-day payment terms. Aria buys the invoice rather than lending against it, so suppliers get predictable cash flow without taking on debt. A single API handles identity checks, credit assessments, collections, insurance, and payments. It adapts to local rules, currencies, and payment methods across Europe. The company explains, "We're not credit for buyers, and we're not a separate application process. We're infrastructure that sits inside your platform—one API call, no redirect, no separate signup. Your users get paid instantly without anyone leaving your software. Traditional factors reject 95% of invoices; we underwrite them. BNPL players assess buyers and send them elsewhere; we assess debtors and stay invisible." ### Who It's For Aria works with B2B marketplaces, talent and staffing agencies, vertical SaaS, ERPs, and corporate treasury systems—anywhere invoices are created or managed digitally. The company says it's ideal for platforms with SMB sellers invoicing larger corporate buyers. Founded in 2020 by Carrier, Aria is a FinTech company providing pan-European embedded invoice financing infrastructure. This latest funding round positions them to scale their solution and help more businesses get paid on time.