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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.
| Provider | Credit limit | Terms | Best for |
|---|---|---|---|
| Credit Key | Up to $50,000 | Net 30 to 12 months | B2B ecommerce merchants |
| Resolve Pay | Custom | Net 15 to 90 | Distributors and manufacturers |
| Capchase Pay | Not listed | Monthly, quarterly, annual | SaaS and software vendors |
| Two | Not listed | 14–90 days; installments up to 36 months | High-volume enterprise sellers |
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.
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.
The process typically works like this:
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.
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How we picked theseThe 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.
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