B2B BNPL with Balance

B2B BNPL

Buy Now Pay Later for B2B Checkout.

Empower business buyers and drive sales with instant credit limits - no added overhead, or risk.

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T R U S T E D B Y

Let buyers choose when and how to pay.

30, 60, and 90-day terms are the B2B standard
—without them, buyers have less purchasing power, and you miss key growth opportunities.

Grow sales with flexible
net terms & payments

Increase conversions and AOV with flexible payment terms, minus the risk and overhead.

Improve cash flow
with Smart Financing

Enjoy guaranteed upfront payouts for approved transactions, while your customers pay up to Net 90.

Boost Operational
Efficiency

Automate AR processes end-to-end to boost operational efficiency and cut overhead cost.

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Qualify buyers for terms
in seconds.

Seamless credit application that drives conversions.

	Minimize friction with a quick, automated application flow.
	Qualify buyers anywhere—at checkout, in store, via email—and deliver instant decisions.
	Use Balance's hosted, white-label checkout or seamlessly embed our BNPL capabilities.

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Approve more buyers
including SMBs.

Ensure high approvals with autonomous, industry leading underwriting engine.

	AI-powered underwriting engine delivers industry-leading approval rates.
	Advanced risk models go beyond bureau data to identify creditworthy SMBs and sole proprietors.
	Automated decisioning in seconds with advanced fraud detection.

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Drive spend
with dynamic credit.

Effortlessly optimize buyers’ limits to maximize sales.

Unlock higher spend with Auto-adjusted limits based on real-time purchasing and repayment data to unlock more buyer spend.

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Guarantee cash flow,
eliminate bad debt.

Let Balance own the risk. Choose from advance or guaranteed payments on invoice due date.

	Access funds within 24 hours of invoice generation to strengthen cash flow and working capital.
	Get paid on invoice due dates for predictable DSO and zero bad debt.
	Enjoy non-recourse payments with zero liability, even in the event of buyer defaults.

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We handle AR,
you focus on growth.

Enjoy white-labeled collections, and cash application with real-time visibility.

	Save time with automated payment matching, reducing manual errors and effort.
	Achieve optimal accuracy and speed with AI-driven remittance processing and smart reconciliation logic.
	Stay in control with a dedicated dashboard providing real-time insights into buyer activity and program performance.

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“A platform that starts its life as B2C will never be able to work for B2B. That’s why we knew we needed a B2B BNPL partner. Balance as a third party was able to work closely enough where it is a seamless handoff.”

Shep Hickey / CEO of Bryzos

Schedule a 20-minute consultation to learn how B2B BNPL can fuel your business growth

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About Balance

Balance is the leading B2B payments platform, empowering businesses to drive revenue through best-in-class payment experiences and scalable B2B BNPL programs. Balance combines net terms financing, AI-powered credit risk management, billing and payments, and AR automation to help merchants fuel growth with less complexity and risk.

Learn more about Balance