---
title: "Capital"
description: "Offer business financing to users within your platform or marketplace."
url: "https://docs.adyen.com/capital"
source_url: "https://docs.adyen.com/capital.md"
canonical: "https://docs.adyen.com/capital"
last_modified: "2026-06-01T15:33:15+02:00"
language: "en"
---

# Capital

Offer business financing to users within your platform or marketplace.

[View source](/capital.md)

##### Request an invite

Interested to learn more about Adyen Capital? [Fill out this form](https://www.adyen.com/capital#form) to let us know.

Adyen Capital allows you to build an embedded financing offering for eligible users to support their operational needs. With Capital, you can allow your users to get business financing from Adyen by using our APIs or low-code components that you integrate in your UI.

We assess risks upfront and proactively create offers for your users. This allows your users to quickly get funds paid out to their balance account or transfer instrument, without the need for an additional application process.

Users repay daily based on a *fixed percentage of their processed volume* through Adyen. This way, they only repay as they earn and repayments do not impede their cash flow. In addition, users pay one transparent fixed fee — no interest and no hidden costs.

## Supported countries/regions

You can offer business financing to users operating in any of the following countries and regions.

| Europe |   |
| ------ | - |

Finland\
France\
Sweden\
United Kingdom (including the Channel Islands and Isle of Man)

| North America |   |
| ------------- | - |

Canada (excluding Saskatchewan)\
United States (including Puerto Rico)

| Asia Pacific |   |
| ------------ | - |

Australia

## Next steps

Find out how you can get started with your integration.

[required](/capital/get-started)

[Get started](/capital/get-started)

[See an overview of the steps from signing up to going live.](/capital/get-started)

[Account structure and resources](/capital/account-structure-resources)

[Learn about the resources you need to use and manage Capital.](/capital/account-structure-resources)

[How Capital works](/capital/how-capital-works)

[Get familiar with the process of offering business financing to your users.](/capital/how-capital-works)
