Fresha, Navan and Epos Now embed financial services via Adyen in three weeks
Fresha, Navan and Epos Now embedded financial services into their platforms using Adyen, with Fresha launching capital in seven markets within three weeks. By using Adyen’s global issuing and capital capabilities on a single platform, Navan bypassed traditional bank complexity, Fresha scaled capital quickly, and Epos Now launched financial services without becoming a bank.
Fresha’s users received pre-approved funding offers with zero paperwork, allowing the platform to scale capital across seven markets in just three weeks. Navan can now issue physical and virtual cards instantly to travelers, set granular spend controls and reconcile expenses in real time across markets. Epos Now integrated embedded payments and business accounts into its POS software, avoiding the costly, multi-year process of applying for banking licenses. The integrated approach gave merchants a single experience, helped Epos Now retain customers and opened new revenue streams. Adyen’s platform provided the unified infrastructure that let each company offer financial products without building separate banking back‑ends.
Traditional business loans were too slow and rigid for Fresha’s users, while expanding card issuing globally required negotiating separate banking relationships, licenses, and compliance standards in each market. Independently adding financial services would have meant pursuing costly, multi-year banking licenses or managing multiple regional financial partners. The sponsored note highlights that a single platform gives businesses total control when expanding into new financial products like capital or card issuing.
What we know
Fresha launched capital across seven markets in three weeks
Users received pre-approved funding offers with zero paperwork, and Fresha scaled its capital capabilities in just three weeks.
Now, Navan can issue cards instantly, set granular spend controls and reconcile expenses in real time across markets.
By partnering with Adyen, Epos Now launched financial services directly within its software.
They expanded into embedded payments and business accounts without becoming a bank.