Best BNPL Apps for Businesses (2026)

BNPL apps for businesses exist, and they work very differently from the Klarna or Afterpay you see at consumer checkout. Business-focused BNPL (sometimes called B2B BNPL or embedded net terms) is a tool for sellers: you sign up, embed it into your checkout or invoicing flow and your business customers get the option to pay over time — typically net 30, 60 or 90 days, or installments up to 12 months.

The BNPL provider pays you upfront and takes on the credit and fraud risk. Your cash flow stays healthy while your customers get the breathing room they need to buy more.

The global B2B BNPL market is projected to reach $669.5 billion by 2029, growing at a 27.4% CAGR from 2024 to 2029, according to a Q1 2024 ResearchAndMarkets report distributed via Business Wire. Whether you’re a B2B ecommerce merchant, a SaaS vendor or a wholesale distributor, there’s likely a platform built for your specific use case.

Best BNPL apps for businesses compared

Our top picks:

• Best overall for B2B ecommerce merchants: Credit Key
• Best for manufacturers and wholesale distributors: Resolve
• Best for SaaS and software vendors: Capchase
• Best for high-volume enterprise merchants: Two

Finder Score	Loan amount	Loan term	APR
Best overall for B2B ecommerce merchants
Not scored yet Credit Key	Not scored yet	Not listed	Not listed	Not listed	View details Compare product selection Compare	loading	Why we like it Credit Key is a dedicated B2B buy now, pay later platform that embeds directly into your existing checkout flow. When your business customers choose to pay with Credit Key, they get access to credit lines up to $50,000 with terms ranging from net 30 to 12 months. You get paid within 48 hours of a purchase, and Credit Key handles all underwriting, collections and credit risk — you're fully insulated from non-payment. There's also the Credit Key Card, a Mastercard that gives buyers access to their Credit Key line anywhere Mastercard is accepted, not just at partner merchants. For buyers, the first 30 days are interest-free; rates are as low as 1% per month beyond that period. Merchant fees are not publicly listed on its website. Pros & cons Pros Merchants get paid within 48 hours Buyer credit lines up to $50,000 with instant decisions Integrates with major ecommerce platforms No setup fees listed for buyers Credit Key Card extends buyer access beyond your checkout Cons Merchant fees not disclosed on its website Requires a personal guarantee from the buyer US merchants and buyers only
Best for manufacturers and wholesale distributors
Not scored yet Resolve	Not scored yet	Not listed	Not listed	Not listed	View details Compare product selection Compare	loading	Why we like it Resolve Pay is a B2B payments and net terms platform built for suppliers that want to extend credit to their business customers without managing credit in-house. It offers non-recourse financing, meaning Resolve absorbs 100% of the credit risk on approved invoices — if a buyer doesn't pay, that's Resolve's problem, not yours. Merchants receive up to 90% of an invoice value as an advance within 24 hours, with payment terms of net 15, 30, 60 or 90 days. Resolve integrates with major ecommerce platforms (Shopify, BigCommerce, Magento 2, WooCommerce) as well as QuickBooks Online and NetSuite. Pricing is custom and based on scoping and implementation; advance fees are described as "risk-based" on its website and are not publicly disclosed. Pros & cons Pros 100% non-recourse financing on approved invoices Integrates with major ecommerce and accounting platforms Automates invoicing, reminders and collections Handles both online and offline B2B sales channels Cons Pricing not disclosed on its website — requires a sales conversation Best suited for established suppliers with consistent B2B volume US only
Best for SaaS and software vendors
Not scored yet Capchase	Not scored yet	Not listed	Not listed	Not listed	View details Compare product selection Compare	loading	Why we like it Capchase Pay was built for the SaaS sales cycle, where annual contracts are the norm but buyers often push back on paying the full amount upfront. When a deal closes, Capchase pays you, the vendor, the full contract value immediately, then collects installment payments from the buyer over time. It integrates with Salesforce and other CRMs, and Stripe selected Capchase Pay as its first B2B BNPL payment method in the US market. Buyer credit assessment happens behind the scenes — your customers don't submit a separate application. Capchase Pay is available to buyers in the US, Canada, UK, Ireland, Spain, Belgium, Netherlands, Finland and Sweden. Fees and interest rates are not listed on its website. Pros & cons Pros Built specifically for SaaS annual and multi-year contracts Vendor gets paid full contract value upfront at signing Behind-the-scenes buyer credit checks — no friction for your customer Stripe integration available in the US Available in nine countries Cons Pricing not disclosed on its website Focused on software and hardware — not a fit for physical goods merchants Not as widely integrated with ecommerce platforms as Credit Key or Resolve
Best for high-volume enterprise merchants
Not scored yet Two	Not scored yet	Not listed	Not listed	Not listed	View details Compare product selection Compare	loading	Why we like it Two is a B2B payments infrastructure platform that operates in partnership with Santander and Allianz Trade. It offers instant credit decisioning and net terms of 14 to 90 days for B2B buyers, and also offers installment plans up to 36 months via its Instalments product. You get paid upfront; Two handles underwriting, invoicing, dunning and collections on the back end. Its AI-powered credit and fraud engines are designed for high acceptance rates and large credit limits. Its high transaction volume requirement makes it better for enterprise infrastructure rather than an option for smaller sellers. Fees and credit limits are not publicly listed on its website. Pros & cons Pros Covers North America, Europe and the UK Backed by Santander and Allianz Trade AI-powered fraud and credit decisioning Handles invoicing and collections end-to-end Cons Not suitable for small or mid-sized businesses Fees not disclosed on its website

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How we chose the best BNPL apps for businesses

We evaluated B2B BNPL providers on five criteria: whether merchants get paid upfront with credit risk absorbed by the provider; credit limits and terms that give buyers meaningful flexibility; integrations with ecommerce platforms and accounting tools merchants already use; transparency around fees and pricing; and use case fit, matching each platform to the business type it actually serves.

What is BNPL for businesses?

B2B BNPL (buy now, pay later for business) is a tool for sellers, not shoppers. As a merchant or vendor, you sign up with a B2B BNPL provider and embed their solution into your checkout or invoicing flow. Your business customers then get the option to buy from you now and pay over time, while you get paid immediately by the provider. The BNPL company takes on the credit risk and handles collecting from your buyers.

Unlike consumer BNPL or cash advance apps, which are built around individual borrowers and short repayment windows, B2B BNPL evaluates buyers on business creditworthiness: tax ID, trade references, revenue and payment history rather than personal FICO scores. Transactions are larger, relationships are longer-term and payment windows extend to 30, 60 or 90 days rather than the pay-in-4 model common in consumer apps.

How does B2B BNPL work?

The process typically works like this:

1. A business buyer places an order. At checkout or invoicing, the buyer selects a BNPL or net terms option.
2. The BNPL provider assesses creditworthiness. Most platforms return instant or near-instant decisions based on business credit data. Some, like Capchase Pay, do this in the background without any action from the buyer.
3. The provider pays you upfront. You receive payment — often within 24 to 48 hours — regardless of when your buyer pays.
4. The buyer repays the provider. The buyer pays the BNPL platform directly over the agreed term, whether that’s net 30 or 12 monthly installments.
5. The provider handles collections. If a buyer is late or defaults, that’s the provider’s problem. Merchants on non-recourse platforms carry no credit exposure.

B2B BNPL vs. traditional net terms: what’s the difference?

Traditional net terms mean you extend credit directly to your customer and wait — often 30, 60 or 90 days. You carry the credit risk and handle invoicing, reminders and collections yourself. If a customer doesn’t pay, you chase them.

B2B BNPL works the same way from the buyer’s perspective — they still get time to pay — but the risk and the operational burden shift to a third-party provider. You get paid immediately, and the BNPL platform handles everything else. The trade-off is the fee you pay the provider per transaction, typically expressed as a percentage of the invoice.

What should I look for in a B2B BNPL provider?

• Non-recourse vs. recourse financing. Non-recourse means the provider absorbs all credit risk. Recourse means you may owe money back if a buyer defaults. Clarify this upfront.
• Payout timing. How quickly does the provider pay you? Some pay within 24 hours, others within 48.
• Credit limits. Make sure the provider can support the average order value your buyers need.
• Integration. Does the platform connect with your ecommerce platform, ERP or CRM?
• Transparency on fees. Many B2B BNPL providers do not publish merchant fees publicly. Always get pricing in writing before signing up.

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5 of 5 results

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Finder Score	Min. Amount	Max. Amount	APR	Requirements
Promoted 9.9 Excellent Pinnacle Funding	9.9 Excellent	$10,000	$5,000,000	Varies by loan type	525 credit score, 6+months in business, $180,000+ annual revenue	Apply in minutes with funding as fast as 24 hours and zero impact to your credit score.	Go to siteView details Compare product selection Compare	loading
Promoted 9.5 Excellent Fundera business loans	9.5 Excellent	$2,500	$5,000,000	Varies by lender	$60,000+ of annual revenue, 600+ personal credit score, in business for 6+ months	Get connected with short-term funding, SBA loans, lines of credit and more.	Go to siteView details Compare product selection Compare	loading
Promoted 9.5 Excellent Lendzi	9.5 Excellent	$5,000	$20,000,000	Varies by lender	Minimum credit score of 500, minimum annual revenue of $240,000, preferably one to two years in business	Compare lending options and get funded fast.	Go to siteView details Compare product selection Compare	loading
9.6 Excellent Lendio business loans	9.6 Excellent	$1,000	$10,000,000	Varies by lender	Operate business in US for 6 months or more, have a business bank account, minimum 520 personal credit score, at least $8,000 in monthly revenue.	Submit one simple application to potentially get offers from a network of over 75 legit business lenders.	Go to siteView details Compare product selection Compare	loading
8.8 Great Fora Financial business loans	8.8 Great	$5,000	$1,500,000	Factor rate of 1.05-1.5	6+ months in business, $240K+ annual revenue, 570 minimum credit score	Get approval decision for funding in minutes for up to $1,500,000 without affecting your credit score. Best for companies seeking large business loans.	Go to siteView details Compare product selection Compare	loading

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How we picked these

What is the Finder Score?

The Finder Score crunches 12+ types of business loans across 35+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best business loans for startups loans, you can see how each business loan stacks up against other business loans with the same borrower type, rate type and repayment type.

Read the full breakdown

Frequently asked questions

• How does B2B BNPL work?

  B2B BNPL lets you offer your business customers flexible payment terms — like net 30 or monthly installments — while a third-party provider pays you upfront and handles collections. You embed the provider's solution into your checkout or invoicing flow. When a buyer chooses to pay over time, the provider underwrites the deal, pays you within 24 to 48 hours and manages repayment directly with your buyer.

• What is an example of a B2B payment?

  A common example: a restaurant supply company sells commercial kitchen equipment to a restaurant group. Instead of requiring payment in full at the time of purchase, they offer net 60 terms through a B2B BNPL platform like Credit Key. The platform pays the supplier upfront, and the restaurant group repays the platform over 60 days. Other examples include a SaaS vendor collecting the full annual contract value at signing while their business customer pays in monthly installments via Capchase Pay, or a wholesale distributor using Resolve Pay to offer its retail buyers 30-day or 90-day payment windows without managing credit in-house.

• Is Klarna B2C or B2B?

  Klarna is primarily a B2C platform. It's designed for individual consumers buying from retail merchants — not for business-to-business transactions. While Klarna has explored some B2B-adjacent features over the years, its core product (pay in 4, pay in 30 days) is built around consumer purchases and consumer credit underwriting.

• Is Affirm B2B?

  Affirm is primarily a B2C BNPL platform. Like Klarna, it's designed to help individual consumers finance purchases at retail merchants — not to facilitate business-to-business transactions. Affirm does have a significant merchant network and is widely used in ecommerce, but it underwrites individual borrowers, not businesses. For B2B BNPL, where the buyer is a company purchasing on commercial terms, you'd want a platform built specifically for that use case.

• Is B2B BNPL the same as invoice factoring?

  They're related but different. With invoice factoring, you sell existing invoices to a factoring company at a discount — typically after the sale has already occurred. With B2B BNPL, the provider steps in at the point of sale and pays you upfront before the buyer has paid anything. B2B BNPL also tends to carry lower fees than traditional invoice factoring.

• Does offering BNPL increase sales for B2B merchants?

  Multiple providers cite research showing that merchants offering B2B BNPL see 20% to 30% higher conversion rates and average order value increases of 24% to 60%, depending on the study. Finder has not independently verified these figures.

• Do B2B BNPL providers charge buyers interest?

  It depends on the platform and the term length. Credit Key offers 0% interest for the first 30 days; rates start at 1% per month beyond that. Longer terms often carry a monthly rate. Always check the provider's buyer-facing terms before offering it to your customers.

To make sure you get accurate and helpful information, this guide has been edited by Richard Laycock as part of our fact-checking process.

Written by

Megan B. Shepherd

Editor, Loans & Insurance

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Megan B. Shepherd is a personal finance expert and editor for loans and insurance at Finder. Her personal finance expertise has been featured on Forbes, Nasdaq, MediaFeed, Fox News, Time, Reviews.com, and carinsurance.com, adding invaluable information related to personal loans, financial strategies and smart borrowing tactics. Megan graduated from the University of Texas at Dallas with a BS in Business Administration with an entrepreneurial focus. She's worked as a certified financial adviser and has earned certificates of completion from A.D. Banker & Company. See full bio

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