For us, the results really speak for themselves – it’s retention of our existing customers, but it’s also new customer growth that we’ve been able to really quickly see.
cash application
Close Faster.
Trust Your Numbers.
Full-context AI matching. Zero setup.
Auto match payments
Quickly re-open credit lines
Reduce manual work
Trusted by the world’s leading companies
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Balance helps us solve one of the biggest challenges that we have in the B2B marketplace. Giving buyers the payment flexibility they need without adding any risk or friction.
“
Yiran Li
Head of Customer Retention Strategy
Balance has helped B-Stock offer Net-30 payment terms for thousands of our buyers without any increase in cost or operational overhead. That scale has been a real game changer for us.
“
Alex Cadalso
Group Product Manager
We were able to grow our digital channel in ways we didn’t know were possible. Balance’s true uniqueness is in its product flexibility and ability to work with our existing business processes.
“
Michael Eichinger
Operations Officer
Match Without the Manual Hunt.
No more remittance or wire decoding.
- Matches payments using full context: remittance, emails, portals, payment history
- Learns customers’ payment patterns to improve match accuracy over time
- Reduces unapplied cash and manual research before month-end
- A centralized view of cash application performance
Exceptions,
Pre-Investigated.
Turn hours of investigation into seconds of review.
- Investigates exceptions to determine the root issue
- Routes cases to the right internal team or customer, with the next step clearly identified
- Built-in SLAs and alerts for aging cash, buyer response deadlines, and overdue exceptions
Built-In Audit Trails
Trust every posting. Defend every decision.
- Every agent’s decision is logged and explainable
- Configurable auto-match thresholds
- A centralized view of cash application performance
Forecast cash based on reality, not assumptions.
- Adjusts timing based on real collection progress
- Reflects actual outreach and response outcomes
- Learns from outcomes and feedback to improve future recommendation
Cash application that understands payment intent
Move beyond rule-based matching. Apply cash faster with Al that investigates, prepares, and explains every decision.
1. Context
Reasons across full payment context
Bank
Historical matches
Buyer remittance
Internal notes
Payment Portal
Phone transcripts
Pay # + Amount
Contract data
2. Open invoices & Payments
Identifies the most likely invoice matches
3. AI Output
Delivers work ready for approval
Auto-match
Review
Unmatched
How your AI teammate learns
Continuously improves based on real outcomes and human feedback.
Learns from
outcomes
Observes actions taken, buyer response, and results to refine timing, messaging, and intervention strategy.
Learns from
user feedback
Incorporates feedback when recommendations are accepted or edited, and asks whether changes should apply always, by account, or never.
Real Impact, Measurable Results.
Balance’s true uniqueness is in its product flexibility and ability to work with our existing business processes.
30%
Higher Conversions
55%
Repeat Purchase
2X
Repeat Purchase
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Questions & answers
What is B2B BNPL?
B2B BNPL is a flexible payment solution that allows approved business users to get financing to defer payments for up to 60 or 90 days, giving businesses more financial flexibility while sourcing products.
Are there any fees associated with the financing received?
Applicable fees or interest will be transparently presented at checkout and will be covered by the buyer.
Is the financing approved through our site exclusive to us, or can buyers use it with other vendors too?
Credit limits granted through your website are exclusive to your business and cant not be used with other vendors.
What payment methods can buyers use to pay my financed order?
Financed order can be payed for using a credit card, wire transfer, or ACH. Please note that additional charges may apply based on the method buyers select.
What payment methods can buyers use to pay my financed order?
What is receivables purchasing, and how does it work?