Aria × Pennylane: Accelerate your international cash flow
- Noham Layani
- Oct 13
- 4 min read
Updated: Oct 21
Are you selling abroad but your payments always arrive too late?
You're opening up new markets, signing up customers in Germany, the UK or the Benelux countries... But when you have to wait 30, 60 or even 90 days to be paid, the joy gives way to tension: cash flow becomes strained, marketing budgets freeze, and growth falters.
What if your international invoices became a source of immediate cash?
That's what Aria, a French fintech, offers. It finances your B2B invoices as soon as they are issued, and integrates directly with Pennylane to automate the entire accounting process.
The result: no more delays, no more stress, just smooth cash flow - even internationally.
Aria: From European fintech to global payment infrastructure
Founded in France in 2020, Aria is a fintech specialising in B2B invoice financing and integrated deferred payment for businesses, marketplaces and SaaS platforms.
Its aim is to enable businesses to convert their invoices into immediate cash flow, without waiting for the customer to pay.
In practical terms:
You issue a customer invoice (via Pennylane, your ERP or another tool).
Aria can immediately advance you all or part of the amount of this invoice.
Aria then collects payment from your customer in accordance with the agreed terms (30, 60 or 90 days).
Meanwhile, your company already has the cash available to finance its business.
Aria also manages :
customer risk thanks to its internal scoring,
multi-currency payment transactions
and protection against non-payment.
In short, Aria acts as an agile, fast and connected financing intermediary - a modern, 100% digital version of traditional factoring.
Is Aria a competitor to Defacto?
Yes, but with a different positioning. Like Defacto, Aria offers cash advances via invoice financing.
But whereas Defacto targets French companies directly, Aria has a more 'platform' and international approach:
It integrates via API into SaaS, ERP or marketplaces environments.
It supports companies operating in over 100 countries, with integrated multi-currency and B2B payments.
It targets companies that are expanding abroad and need flexible, frictionless financing.
In short, Aria is not just a treasury service: it is a global payment infrastructure that facilitates the financial flows of exporting companies.
Pennylane + Aria: How the integration works
By connecting Pennylane to Aria you will be able to automatically synchronize your customer invoices in Pennylane to request financing.
Concretely:
You issue an invoice in Pennylane .
The invoice is found in Aria via the integration.
You have the option to convert this invoice into a cash advance , according to Aria conditions.
The tool returns the data (amount, customer, due date) to Pennylane , so that everything is aligned in accounting.
This eliminates the need to manually manage the back-and-forth between payment platforms, banks, and accounting. Everything becomes an integrated, seamless, and controlled process— vital when operating internationally.
Pennylane + Aria: the perfect synergy between accounting and cash management
The integration between Aria and Pennylane enables invoicing and financing to be linked directly:
An invoice is issued in Pennylane.
It is automatically synchronised in Aria.
Aria offers an immediate advance on the amount invoiced.
The corresponding entries (advance, collection, repayment) are automatically updated in Pennylane.
👉 Result: your accounting remains accurate, in real time, with no re-keying.
This integration creates a virtuous circle between invoice issue, cash management and accounting.
It's an approach that Blendy particularly values: it gives managers complete visibility of their cash flows, while freeing up cash for growth.
Why this is a major advantage for an SME that is going international
1. Accelerated cash flow, everywhere
One of the major obstacles to international business is the timing of payments: between the delay in customer payments and the need to invest (marketing, inventory, logistics), the risk of a cash flow gap is real. With Aria, you can unlock your cash today and invest tomorrow.
2. Reduction of external customer risks
Aria offers scoring & protection tools to analyse creditworthiness, which reduces the risk when you invoice foreign companies you don't know. This secures your sales outside your borders.
3. Automatic accounting alignment
No matter what the currency, location or timeframe, entries come back into Pennylane ready to be processed. This avoids conversion errors, omissions or loss of information in international flows.
4. International scalability
If your business spans several geographical areas, you don't want to have to multiply your payment platforms. Aria allows you to unify global payments in a single interface. Coupled with Pennylane, this creates a stable financial base for your expansion.
Concrete example
Let's imagine a French SaaS SME that signs clients in Spain, Germany, and the United Kingdom. Invoices were paid within 30 or 60 days, with some clients paying in GBP, others in EUR. The company suffered from recurring payment delays, currency conversions, and manual tracking.
With Aria + Pennylane :
Each invoice issued is automatically sent to Aria.
The company chooses to collect 80% of the amount immediately.
Financing and payment data are automatically integrated into Pennylane.
Foreign currency flows are standardised and entries are correct from the outset.
The result: the company has the cash it needs to finance its international expansion, while keeping its accounts clean and up to date.
Blendy Recommendation
Aria × Pennylane integration is more than just an administrative convenience; it's a cash flow and growth accelerator for French companies that want to conquer new markets without having to suffer payment delays.
At Blendy, we support managers in this evolution: implementing intelligent integrations so that finance keeps pace with the business, because in international markets, the speed of cash flow often makes all the difference.
With Blendy, international digital CPA, take advantage of digital accounting to accelerate your financial process and develop your business.
Pennylane, Dext, QuickBooks and Stripe certified , we support digital, e-Commerce, IT services, SaaS companies in France and internationally.
