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.
B2B BNPL
Fuel Bigger Orders With Flexible Financing
Unlock B2B buyer spend by offering instant financing at checkout. Online or in-store.
Boost Conversions
and AOV
and AOV
Drive Repeat
Purchases
Purchases
Get Paid Upfront
Trusted by the world’s leading companies
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
Don’t let cash flow hold your buyers back
Give your business buyers the payment flexibility they expect—with financing that’s fully embedded, automated, and built for scale.
Let buyers pay their way, online and in-store
Empower eligible buyers with instant financing at checkout with up to 90 days to pay.
Frictionless application, real-time decision
Qualify buyers anywhere—at checkout, in store, via email with a quick, automated application flow that delivers real-time decisions.
Drive spend with dynamic credit limits
Unlock higher spend with auto-adjusted limits based on real-time purchasing and repayment data.
Enable buyers to manage all their spend in one place
Let buyers easily manage their credit limit, track payments, and view transaction history with an embedded payments portal.
Just plug & Grow
Increase conversions and spend
Merchants integrating Balance at checkout see an increase in conversions, buyer spend, and repeat purchases.
Get paid upfront
Always get paid upfront and in full for every eligible transaction, while your customers pay up to Net 90 days later.
Enjoy Merchant Protection
Balance assumes the credit risk, so you can focus on running a successful business.
Tap into unique buyer insights
Access unique transaction insights to maximize your buyer base potential right from our merchant dashboard.
AI Underwriting Engine
Approve more buyers, including SMBs. Unlock higher spend with real-time credit management.
Real Impact, Measurable Results.
“By embedding Balance directly into our checkout, we’re making it easy for customers to buy on their terms, without being limited by cash flow constraints.”
Yiran Li
Head of Customer Retention Strategy at Alibaba.com
30%
Higher Conversions
55%
Repeat Purchase
2X
Repeat Purchase
Enterprise Grade Security
for Every Payment
Protect every transaction with trusted standards.
AES-256 Encryption
PCI-DSS Compliant
SOC 2 Certified
Flexible integration for any workflow
Balance adapts to your business, no matter how or where you sell.
Launch instantly with virtual cards
- Card issued on approval, usable only with you.
- No dev work, just start offering credit.
- Seamless for buyers; like any card at checkout.
Enable Seamless Financing within your checkout
- Balance-hosted credit application & payment portal with plug-and-play UI
- API-based headless checkout & confirmation email
- No maintenance. Version updates handled by Balance.
Enable Seamless Financing within your checkout
- Balance-hosted credit application & payment portal with plug-and-play UI
- API-based headless checkout & confirmation email
- No maintenance. Version updates handled by Balance.
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 cannot be used with other vendors.
What payment methods can buyers use to pay their financed orders?
Financed orders can be paid for using a credit card, wire transfer, or ACH. Please note that additional charges may apply based on the method buyers select.
Make B2B Growth A Reality
Get expert advice on scaling payments and simplifying operations.
Book your consultation now.
Book your consultation now.
Note: Balance Payments, Inc. is not a licensed lender. Balance B2B Credit, Inc. will be the licensed lender servicing California, Delaware, Maryland, Oklahoma, South Dakota, and the District of Columbia. Balance B2B Credit, Inc. does not operate under the trade name Balance in the state of California.