← State of Embedded Finance 2026

Lavazza

“Can Lavazza build a unified global payments and embedded finance infrastructure that supports both its B2B supply-chain financing (via Cofincaf) and its D2C digital commerce ambitions across seven international markets?”

Founded1895
HQTurin, Italy (Via Bologna 32)
FoundersLuigi Lavazza
IndustryE-commerce / DTC brand
The story

Lavazza is a family-owned Italian coffee company founded in 1895 that has operated primarily as a consumer goods manufacturer and distributor. The company has progressively built embedded finance capabilities alongside its core business: establishing Cofincaf as an in-house captive finance entity to fund Food Service and vending channel partners, and now standardizing global payments infrastructure under Adyen as part of a strategic consolidation effort across seven markets. The Adyen partnership (2026) marks a deliberate shift from fragmented, market-by-market payment stacks to a unified global fintech platform spanning B2B and D2C channels.

Last 12 months
2026-05
2026-04
Product timeline
1895
Luigi Lavazza founded the company in Turin, Italy as a grocery store before developing proprietary coffee blends.· pivot
2000
Lavazza expanded internationally, establishing subsidiaries across Europe, the US, and Australia.· banking
2013
Cofincaf S.p.A. established as a captive finance company within the Lavazza Group to provide financial services exclusively to Lavazza customers, distributors, and suppliers.· lending
2023
Lavazza Group undertook a major financial reporting and accounting transformation across 19 subsidiaries using SAP Analytics Cloud with partner Avvale.· pivot
2026
Signed €900 million sustainability-linked financing agreement with a pool of seven banks including Intesa Sanpaolo, BofA Securities, BNL BNP Paribas, Crédit Agricole, Mediobanca, and Rabobank.· banking
2026
Partnered with Adyen to unify digital payments infrastructure across B2B and B2C channels in seven international markets.· pivot
The stack
Payments / PSP
Adyen
Lending
Interest-free loans to Food Service customers (bars, cafés, hotels, restaurants)Interest-bearing loans to Food Service customersLoans to Automatic Distribution sector customersESG sustainability-linked loans (min €20,000, 24–60 month term)Reverse factoringEmployee loansFinancial leasesCredit monitoring / recovery advisory services for Luigi Lavazza S.p.A.
FX & payouts
Adyen
Accounting
SAP Analytics Cloud
Accounting gap: minor