Adyen Capital is a financing solution that allows businesses to receive advances within hours based on their sales data processed through Adyen’s payment platform.
First launched overseas in 2023, the Dutch payments giant has announced that it is bringing Capital to Canada.
“With Capital, Adyen manages eligibility and pre-approves customers of SaaS platforms based on processing data,” explains Sander Meijers, Canada’s Country Manager for Adyen, thus “bypassing lengthy applications and hidden fees that business owners might encounter with a traditional bank loan.”
Canada counts more than one million SMBs in the country, and they combine to account for nearly half of the GDP generated by the private sector.
A majority of smaller businesses in Canada use short-term loans for various reasons, according to research from Adyen conducted by BCG, but accessing capital through traditional banks often takes weeks.
“Our goal is to remove barriers to SMBs securing timely working capital while also providing platforms with an added revenue stream,” stated Meijers.
Capital charges one flat fixed fee, says Meijers, and repayments are automatically collected as a fixed percentage of an SMB’s daily sales.
Adyen, which trades publicly as AMS and works with clients like Meta and Microsoft, was founded in Amsterdam in 2006.
Last year, the firm launched a Canadian headquarters in Toronto, after doing business in the country since 2020.
The fintech titan recently released its “2025 Annual Retail Report,” which revealed a 47% surge in people using AI to shop.
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