Adyen and Fresha launch embedded lending solution to expand access to capital for beauty and wellness businesses

Adyen and Fresha launch embedded lending solution to expand access to capital for beauty and wellness businesses

(IN BRIEF) Adyen and Fresha have launched Fresha Capital, an embedded lending solution that provides fast, flexible financing to beauty and wellness businesses across seven markets, with over USD 5.5 million already issued. Built on Adyen Capital, the service allows Fresha’s 140,000 businesses to access pre-approved loans instantly based on sales performance, with repayments linked to daily revenues and no penalties for early or late payment. The partnership strengthens Fresha’s financial ecosystem, increases platform loyalty, and demonstrates how embedded finance can support SMB growth while creating new strategic opportunities for both companies.

(PRESS RELEASE) PARIS, 4-Feb-2026 — /EuropaWire/ — Adyen has partnered with Fresha to launch Fresha Capital, a new embedded lending solution designed to give beauty and wellness businesses faster and more flexible access to working capital. The service is now operational in the United States, United Kingdom, Australia, Canada, the Netherlands, Finland, and Sweden, with more than USD 5.5 million already disbursed in financing. The initiative expands Fresha’s financial ecosystem and strengthens its ability to support small and medium-sized businesses (SMBs) across its platform, which serves 140,000 businesses and 450,000 professionals and facilitates over 35 million monthly appointments.

Built on Adyen Capital, part of Adyen’s embedded finance offering, Fresha Capital enables businesses to access funding directly within Fresha’s platform without relying on traditional banking processes. This approach reflects Fresha’s broader strategy to integrate financial services into its marketplace, allowing value to circulate more efficiently among its users while deepening engagement and long-term relationships.

Hemmo Bosscher, SVP Global Head of Platforms & Financial Services at Adyen, highlighted the strategic importance of the collaboration, noting that Fresha initially embedded payments through Adyen and is now extending that partnership into lending. He emphasised that embedded finance can help platforms introduce new revenue streams while strengthening ties with their user base across multiple markets.

Fresha Capital is specifically designed for businesses that require rapid access to liquidity to manage daily operations or seize growth opportunities. Users can view pre-approved loan offers instantly and request funding in seconds, with funds typically available within hours or the same business day, depending on banking processing times. Loan amounts range from USD 500 to USD 50,000 (or equivalent in local currencies), determined solely by sales performance rather than lengthy credit applications.

Repayments are structured as a fixed percentage of daily sales, ranging from 1% to 15%, allowing businesses to pay more when revenues are strong and less during slower periods. Loans can run for up to nine months, with no penalties for early repayment or late payments. This flexible structure makes the solution particularly relevant for businesses facing seasonal fluctuations, unexpected equipment costs, or expansion opportunities.

Several Fresha users highlighted the practical impact of the service. Betty Zhang, owner of The Usual Lash, described how rapid access to capital prevented her business from stalling during a critical growth phase, allowing her to invest in new products and locations instead of focusing on short-term cash concerns. Similarly, Justin Barrett, founder of Himalayan Salt Therapy, credited Fresha Capital with helping his business navigate seasonal downturns, secure payroll, and support a successful marketing campaign that boosted gift card sales.

For Fresha, the partnership with Adyen has enabled a rapid rollout of Fresha Capital across seven markets in a matter of weeks. Pawel Iwanow, Chief Payments Officer at Fresha, said that the strong initial uptake confirms that access to funding is a major challenge for beauty and wellness businesses. He noted that the solution allows Fresha to intervene quickly when partners face urgent financial needs, such as replacing broken equipment ahead of peak business periods.

Beyond supporting individual businesses, Fresha Capital also strengthens Fresha’s platform by increasing user loyalty and engagement. Adyen assumes all lending and credit risk, reducing exposure for Fresha while enabling faster deployment through pre-built or API-based integration options. The solution has already demonstrated high adoption, with 80% of businesses that take a first loan returning for additional financing.

About Fresha

Fresha is the leading marketplace platform for beauty and wellness trusted by millions of consumers and businesses worldwide. Fresha allows consumers to discover, book and pay for beauty and wellness appointments with local businesses via its marketplace, while beauty and wellness businesses and professionals use an all-in-one platform to manage their entire operations with an intuitive business software and financial technology solutions. To learn more, visit fresha.com, download Fresha on the App Store and Google Play, or follow Fresha on Facebook and Instagram.

About Adyen

Adyen (ADYEN:AMS) is the financial technology platform of choice for leading companies. By providing end-to-end payments capabilities, data-driven insights, and financial products in a single global solution, Adyen helps businesses achieve their ambitions faster. With offices around the world, Adyen works with the likes of Meta, Uber, H&M, eBay, and Microsoft. The cooperation with Fresha as described in this merchant update underlines Adyen’s continuous growth with current and new merchants over the years.

Media Contact:

email: press@adyen.com

SOURCE: Adyen