#USA #New York #Adyen #Fresha #Capital

Adyen and Fresha's Innovative Capital Initiative

In a significant move to empower small and medium enterprises (SMEs) in the beauty and wellness sector, Adyen, the leading global financial technology platform, has partnered with Fresha, the foremost marketplace for beauty services, to launch Fresha Capital. This initiative, recently announced on February 4, 2026, boasts over $5.5 million in capital issued and is now available across key markets including the United States, United Kingdom, Australia, Canada, Netherlands, Finland, and Sweden.

The Essence of Fresha Capital

Fresha Capital is designed primarily to provide rapid and flexible financing solutions focused on the beauty and wellness industry, enabling over 140,000 businesses and 450,000 professionals to access the funds they need efficiently. This platform fuels over 35 million appointments globally each month, combining seamless payment solutions with integrated financial services to meet urgent cash flow needs.

According to Hemmo Bosscher, the Senior Vice President at Adyen, this collaboration illustrates how embedded finance can profoundly enhance strategic change. As Fresha integrates payment systems directly into its platform alongside Fresha Capital, it creates a new revenue stream and strengthens customer relationships across multiple regions. This initiative allows beauty and wellness enterprises to focus less on immediate cash flow concerns and more on developing their services.

Key Features and Benefits of Fresha Capital

Fresha Capital presents several pivotal advantages for users:

1. Quick Access to Funds: Users can view pre-approved offers and apply for financing in mere seconds. Most approvals lead to funds becoming available within hours, or even on the same business day. This immediacy is crucial for businesses needing to purchase equipment or hire additional staff promptly.

2. Simplified Processes with Flexible Amounts: The lending amounts range from $500 to $50,000, with pre-approvals based on sales performances, eliminating the need for lengthy applications or excessive paperwork.

3. Transparent and Adaptive Repayment: Repayment amounts automatically adjust based on daily sales, which allows businesses to manage more significant repayments during high sales periods and lesser amounts when business is slow. Loans can extend up to nine months and come with no hidden fees for early repayment or late charges.

Real-World Impact: Success Stories from Users

Testimonies from Fresha users sum up the immediate and tangible impacts of the capital initiative. For example, Betty Zhang, owner of The Usual Lash, emphasized the importance of this support during critical cash flow challenges. "We were nearing a cash cliff with less than six weeks of cash on hand; Fresha Capital enabled us to receive funding within 24 hours, saving our expansion plans and allowing us to focus on service improvements rather than short-term cashflow issues."

Justin Barrett, from Himalayan Salt Therapy, shared how the capital support alleviated seasonal anxieties. With secured financing, he launched a successful marketing campaign during what is typically a slow period, leading to a 22% increase in gift card sales, ultimately enabling faster debt repayment than anticipated.

Strategic Value for Fresha and Its Users

The partnership with Adyen has enabled Fresha to deploy Fresha Capital within weeks, illustrating the essential role of quick financing in the beauty and wellness sector."
Fresha Capital has introduced a significant differentiator in the market, allowing beauty service providers to avoid potential financial pitfalls and seize growth opportunities. As Pawel Iwanow, Fresha's payment director, noted, immediate access to these financial resources translates into considerable competitive advantages in a rapidly evolving industry.

Fresha's collaborative approach with Adyen ensures that not only its users thrive, but the whole business ecosystem benefits, paving the way for enhanced loyalty through integrated financial solutions and a streamlined path to profitability.

Conclusion

Fresha and Adyen's innovative partnership highlights the need for drastic improvement in financial accessibility for SMEs, especially in the beauty and wellness sector. By removing traditional barriers and enhancing quick access to capital, the future of these industries appears more promising than ever as they embark on paths of sustained growth and success.