---
title: "Integrate capital components"
description: "Enable users to access business financing from Adyen using Platform Experience components."
url: "https://docs.adyen.com/capital/capital-components"
source_url: "https://docs.adyen.com/capital/capital-components.md"
canonical: "https://docs.adyen.com/capital/capital-components"
last_modified: "2026-06-01T15:33:15+02:00"
language: "en"
---

# Integrate capital components

Enable users to access business financing from Adyen using Platform Experience components.

[View source](/capital/capital-components.md)

The capital components are designed to comply with financial product regulations and include all necessary disclosures out of the box. It is crucial **not** to alter or hide:

* Any text indicating that loans are provided by Adyen or its local branches.
* Any country-specific legal notices, such as the Equal Credit Opportunity Act (ECOA) in the United States.

Read more in [product guidelines for marketing and communication material](/capital/marketing-user-communication).

##### Learn more

![](/user/pages/reuse/pfs-components/platform-experience/github-logo.svg?decoding=auto\&fetchpriority=auto)  [View our repository on GitHub](https://github.com/Adyen/adyen-platform-experience-web)

![](/user/pages/reuse/pfs-components/platform-experience/click.svg?decoding=auto\&fetchpriority=auto)  [Try it out with a live demo](https://demotool.adyen.com/se/pie/platform-tx)

![](/user/pages/reuse/pfs-components/platform-experience/megaphone.svg?decoding=auto\&fetchpriority=auto)  [Explore the latest updates](/release-notes/platforms-and-financial-products)

Capital components enable you to offer Adyen Capital in your portal's user interface (UI) with minimal engineering effort. These components integrate all the features required to offer business financing (also called a grant) to your users without making multiple API requests. This means you do not need to implement API calls to access available grant offers, generate the Terms of Service, or handle the grant payouts. The components handle all of this automatically.

Additionally, the components provide greater flexibility in selecting a grant amount. Your users can choose any amount within their qualifying limit, rather than being restricted to three fixed grant offers as in API-only integration.

This page provides guidance on:

* The available capital components, which include the **Capital Overview** component and the **Capital Offer** component.
* A standard user flow that these components cover.
* Other information required to understand capital components, such as a term sheet and statuses of a grant.

The guidance and features available may differ based on the library version in use. We recommend using the latest library version to take advantage of the newest features and improvements.

Ensure you select a version in the next section before starting your integration.

## Capital components

Use Platform Experience components to offer business financing to your users.

### Component Description

## Capital Overview component

The **Capital Overview** component provides detailed information (also known as a term sheet) for a grant, its current status, and repayment progress. This component allows users to view bank account details needed to send unscheduled repayments for active grants, such as early repayments, or if they are behind schedule due to insufficient acquiring volume. It also prompts users to complete necessary actions to secure the grant, such as signing the Terms of Service.

The following tabs illustrate how the component appears on various screen sizes.

### Tab: Mobile

[![](/user/pages/filters/pe-components-capital-concept/1-7-0/component-description/capital-overview-mobile.svg)](/user/pages/filters/pe-components-capital-concept/1-7-0/component-description/capital-overview-mobile.svg)

### Tab: Desktop

[![](/user/pages/filters/pe-components-capital-concept/1-7-0/component-description/capital-overview-desktop.svg)](/user/pages/filters/pe-components-capital-concept/1-7-0/component-description/capital-overview-desktop.svg)

The **Capital Overview** component enables users to:

* View messages indicating their eligibility to receive a grant.
* Sign the Terms of Service required to secure a grant from Adyen.
* Provide additional information when a loan exceeding EUR 25,000 is requested.
* Check the current status of their grant.
* Access the term sheet for detailed information about the active grant, such as the repayment threshold, repayment period, fees, the amount already repaid, and the remaining amount.
* Track their [repayment](/capital/how-capital-works#repaying-the-grant) progress.
* View the bank account details needed to pay back their grant, whether to send early repayments or catch up if behind schedule (for active grants only).

By default, the **Capital Overview** component includes the **Capital Offer** component, which together provide a standard user flow.

## Capital Offer component

The **Capital Offer** component shows users the maximum grant amount they qualify for and a preliminary term sheet, enabling them to apply for a grant.

The following tabs illustrate how the component appears on various screen sizes.

### Tab: Mobile

[![](/user/pages/filters/pe-components-capital-concept/1-7-0/component-description/capital-offer-mobile.svg)](/user/pages/filters/pe-components-capital-concept/1-7-0/component-description/capital-offer-mobile.svg)

### Tab: Desktop

[![](/user/pages/filters/pe-components-capital-concept/1-7-0/component-description/capital-offer-desktop.svg)](/user/pages/filters/pe-components-capital-concept/1-7-0/component-description/capital-offer-desktop.svg)

The **Capital Offer** component enables user to:

* Select a grant amount within their qualifying limit using a dynamic slider.
* View a preliminary term sheet of the selected grant offer, such as the repayment threshold, repayment period, and fees.
* Apply for a grant.

## Standard user flow

By default, the **Capital Offer** component is embedded in the **Capital Overview** component, creating a standard user flow. This flow consists of a series of interactive screens that users engage with, all rendered within a single component element on the same portal's UI page.

1. Not qualified for a grant
2. Pre-qualified for a grant
3. Grant offer selection
4. Grant offer term sheet
5. Required actions
6. Active grant
7. Fully repaid grants

### Tab: Not qualified

**Not qualified for a grant**: when the user is not yet qualified for a grant, they see a message informing them of their ineligibility.\
This screen is part of the **Capital Overview** component.\
[![not qualified](/user/pages/filters/pe-components-capital-concept/1-11-0/standard-user-flow/not-qualified.svg)](/user/pages/filters/pe-components-capital-concept/1-11-0/standard-user-flow/not-qualified.svg)

### Tab: Pre-qualified

**Pre-qualified for a grant**: if the user is pre-qualified for a grant, they see a message indicating the maximum grant amount they qualify for. The user can select the **See options** button to proceed.\
This screen is part of the **Capital Overview** component.\
[![pre-qualified](/user/pages/filters/pe-components-capital-concept/1-11-0/standard-user-flow/pre-qualified.svg)](/user/pages/filters/pe-components-capital-concept/1-11-0/standard-user-flow/pre-qualified.svg)

### Tab: Grant offer

**Grant offer selection**: on this screen, the user can select the amount of the grant by using a dynamic slider. Based on their selection, a preliminary term sheet is provided, such as the repayment threshold, repayment period, and fees. The user can select the **Review offer** button to proceed.\
This screen is part of the **Capital Offer** component.\
[![grant offer](/user/pages/filters/pe-components-capital-concept/1-11-0/standard-user-flow/offer-selection.svg)](/user/pages/filters/pe-components-capital-concept/1-11-0/standard-user-flow/offer-selection.svg)

### Tab: Term sheet

**Grant offer term sheet**: on this screen, the user can view a preliminary term sheet of the selected grant offer apply for a grant by selecting the **Request funds** button.\
This screen is part of the **Capital Offer** component.\
[![term sheet](/user/pages/filters/pe-components-capital-concept/1-11-0/standard-user-flow/preliminary-term-sheet.svg)](/user/pages/filters/pe-components-capital-concept/1-11-0/standard-user-flow/preliminary-term-sheet.svg)

### Tab: Required actions

Here are the possible required actions, depending on the use case:

* **Provide Additional Information** (for loans greater than EUR 25,000): After a user applies for a grant over EUR 25,000, a message prompts them to submit extra information. Once this information is submitted, the grant amount is credited to their primary balance account.
* **Sign the Terms of Service**: after the user applies for a grant, they see a message prompting them to sign Adyen's Terms of Service. When the grant is approved and the Terms of Service are signed, the grant amount is credited to the user's primary balance account.\
  This screen is part of the **Capital Overview** component.

[![required actions](/user/pages/filters/pe-components-capital-concept/1-11-0/standard-user-flow/required-steps.svg)](/user/pages/filters/pe-components-capital-concept/1-11-0/standard-user-flow/required-steps.svg)

### Tab: Active grant

**Active grant**: after receiving the grant, the user can view their active grant information, such as the outstanding amount and the term sheet. They have the option to send unscheduled repayments, such as early repayments, or catch up if behind schedule. By selecting the **Send repayment** button, they can view and copy the bank account details needed to initiate a bank transfer from their bank account. Users can only send repayments from a bank account (transfer instrument) which is verified by Adyen.

This screen is part of the **Capital Overview** component.\
[![active grant](/user/pages/filters/pe-components-capital-concept/1-11-0/standard-user-flow/active-grant.svg)](/user/pages/filters/pe-components-capital-concept/1-11-0/standard-user-flow/active-grant.svg)

### Tab: Repaid grants

**Fully repaid grants**: on this screen, the user can see the details of any grants they have previously received and repaid. They can also apply for a new grant from this screen, if eligible.\
This screen is part of the **Capital Overview** component.\
[![repaid grants](/user/pages/filters/pe-components-capital-concept/1-11-0/standard-user-flow/repaid-grant.svg)](/user/pages/filters/pe-components-capital-concept/1-11-0/standard-user-flow/repaid-grant.svg)

The user flow described above is applicable for scenarios where a user is operating in a [supported country or region](/capital#supported-countriesregions). Additionally, the capital components handle situations where a user is in a country/region that is not yet supported. In these cases, a dedicated screen is shown to the user.

You can modify this standard user flow by including additional [component instance methods and parameters](/capital/integration-steps-components?component=Capital\&integration=components\&version=1.5.x#component-methods) in your implementation.

### Grant Statuses

## Statuses of a grant

The capital components show the status of a grant, which represents the different stages the grant goes through. The components automatically manage status updates, so no further action is needed on your part.

The following diagram illustrates how grant statuses evolve over time.

[![](/user/pages/filters/pe-components-capital-concept/1-7-0/grant-statuses/grant-statuses.svg)](/user/pages/filters/pe-components-capital-concept/1-7-0/grant-statuses/grant-statuses.svg)

You can find a detailed explanation for each status in the following table.

| Status            | Description                                                                                                                                                               |
| ----------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Pending**       | The grant is requested and the Terms of Service are signed, but the funds are not yet paid out to the user's balance account.                                             |
| **Action needed** | The grant is requested, and the user is required to sign Adyen's Terms of Service. Additionally, if the requested loan exceeds EUR 25,000, extra information is required. |
| **Active**        | The grant is approved and paid out to the user's balance account. The user can only have one active grant at a time.                                                      |
| **Failed**        | The grant is requested, but not approved or paid out due to technical failures or incomplete documentation.                                                               |
| **Fully repaid**  | The grant is fully repaid. The user can see a new grant offer, if eligible.                                                                                               |
| **Revoked**       | The grant is canceled by the user. The grant funds are returned to Adyen.                                                                                                 |
| **Written off**   | The grant is closed by Adyen because the user failed to repay it.                                                                                                         |

### Grant Qualifying Limit

## Qualifying limit of a grant

The qualifying limit of a grant is the maximum amount for which a user can be eligible. This limit varies for each individual and is determined based on their risk level assessment. In general, the grant amount a user may apply for through the capital components ranges from EUR 500 to EUR 50,000, or the equivalent amount in another supported currency.

### Grant Term Sheet

## Term sheet of a grant

The capital components show a term sheet for a grant. Depending on where the user is in the user flow, this may either be a preliminary term sheet for a grant offer with limited details or a full term sheet for an active grant. The term sheet can include these details:

| Term sheet item               | Description                                                                                                                                                                                                                                                               |
| ----------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Account**                   | The unique reference of the balance account to which the grant amount is paid out.                                                                                                                                                                                        |
| **Account ID**                | The unique identifier of the balance account to which the grant amount is paid out. By default, this is the user's primary balance account, which is the first balance account created for the associated account holder.                                                 |
| **Daily repayment rate**      | The percentage of the user's daily net captured volume that is withheld each day for the repayment of the total repayment amount.                                                                                                                                         |
| **Expected repayment period** | The period in days or months during which the user is expected to repay the grant amount. This period is calculated based on the volume of transactions processed for this user.                                                                                          |
| **Grant ID**                  | The unique identifier of the grant.                                                                                                                                                                                                                                       |
| **Maximum repayment period**  | The period in days or months during which the grant repayment amount must be paid in full.                                                                                                                                                                                |
| **Remaining amount**          | The outstanding grant amount, excluding fees, as of a specific date.                                                                                                                                                                                                      |
| **Remaining fees**            | The outstanding fee amount as of a specific date.                                                                                                                                                                                                                         |
| **Repaid amount**             | The grant amount paid back to Adyen as of a specific date.                                                                                                                                                                                                                |
| **Repaid fees**               | The fee amount paid back to Adyen as of a specific date.                                                                                                                                                                                                                  |
| **Repayment threshold**       | The minimum amount the user is expected to repay every 30-day period to fully pay off the grant within the expected repayment period. If the total 30-day repayment drops below this threshold, Adyen may take additional actions to ensure that the user repays on time. |
| **Total fees**                | The fixed fees associated with the grant that the user must pay to Adyen in relation to business financing.                                                                                                                                                               |
| **Total repayment amount**    | The total amount due for repayment, which includes the grant amount received along with any associated fees.                                                                                                                                                              |

## Next steps

[required](/capital/integration-steps-components)

[Integration steps for capital components](/capital/integration-steps-components)

[Integrate capital components to let users access business financing from Adyen.](/capital/integration-steps-components)

[Component libraries](/platforms/components-overview)

[Learn about different types of components.](/platforms/components-overview)
