Aria Raises $7.8M and $267M Debt Fund for Late Payments

Jan de Vries · 2026-07-10

Aria, a Paris-based FinTech scale-up that offers an embedded invoice financing platform to help businesses get paid on time, has raised a $7.8 million Series A extension round and launched a $267 million debt facility. The goal is to scale its financing capacity and tackle Europe's late-payment crisis. ### The Equity Round The equity round was led by 115K, the venture capital arm of La Banque Postale, with participation from returning investor 13books Capital. This brings Aria's total Series A to $24.5 million. 115K will also join Aria's board of directors. The company plans to use this capital to invest in AI tooling, fund new hires, and onboard new clients. ### The Debt Facility The debt facility is structured across two vehicles. The primary one is a securitisation fund, a bankruptcy-remote vehicle led by Nomura with participation from Fost. Here's how it works: Aria buys invoices from suppliers and transfers the receivables to the fund. The fund then 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 Late payments are a massive problem for small businesses in Europe. According to the EU Payment Observatory annual report 2025, tackling this issue could unlock over $111 billion in additional cash flow each year. The problem is just as acute in the UK, costing the economy $14.4 billion a year and contributing to 38 business closures daily. This prompted the UK government to introduce its first late payments legislation in over 25 years in March. ### How Aria Works Aria addresses Europe's late-payment problem by bridging 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 keep 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, adapting to local rules, currencies, and payment methods across Europe. ### What Makes Aria Different? Aria isn't like revenue-based financing, B2B BNPL, or traditional factoring. As the company explains on its website: "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 Uses Aria? Aria works with a range of platforms: - B2B marketplaces - Talent and staffing agencies - Vertical SaaS companies - ERPs - Corporate treasury systems It's ideal for platforms with SMB sellers invoicing larger corporate buyers, anywhere invoices are created or managed digitally. ### The Bottom Line Clément Carrier, CEO and co-founder of Aria, put it simply: "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." With this new funding, Aria is positioned to scale its platform and help more businesses across Europe avoid the headache of late payments.