/ Pay By Invoice
Scale Net Terms Without the Headache
Give your B2B buyers the invoicing and net terms they expect.Drive growth with no AR complexity and zero credit risk.
Built-in, hands-offCredit & AR
Top approval rates,even for SMBs
Exclusive limits thatdrive repeat purchases
Built-in, hands-off Credit & AR.
Top Approval Rates, even for SMBs.
Exclusive limits that drive repeat purchases.
Trusted by the world’s leading companies
Three ways to level upB2B Sales with Balance
Grow Sales with Invoicing and B2B POS Financing
55%
Increase in spend
Guarantee Cash Flow, Slash Bad Debt
Zero
Credit Risk
Eliminate Accounts Receivable Complexity
64%
Reduction in Credit & AR cost
How it Works
Everything from onboarding to cash application, fully automated, in one platform.
Power smooth, secure, and seamless B2B transactions.
Seamless experience from onboarding to payment
Built-in, white-labeled, customizable.
Frictionless Credit Application
Automated, quick, and secure application flow with instant decisions.
Embedded Invoicing
Extend up to Net 90 terms. Streamline billing with single or consolidated invoices.
Centralized Payment Hub
Simplify customers’ payments and spend management with a self-serve portal.
AI Risk Infrastructure thatDrives Growth
AI Risk Infrastructure that Drives Growth
Approve more buyers including SMBs. Unlock higher spend with real-time credit management.
Hands-off AR. Zero Credit Risk.
Get paid on time, without chasing buyers or carrying credit risk.
Guaranteed Cash Flow
Balance takes on the credit risk for every approved buyer and ensures you get paid.
Smart Dunning & AI Collection Agent
Automated reminders and AI-driven resolution that protect your brand reputation.
AI Cash Application
Ensure accurate and timely reconciliation—close your books with confidence.
Real Impact, Measurable Results
“Through our partnership with Balance, we’re streamlining the entire payment experience for organizations, so they can focus on running and growing their business.”
Andrew Nodes
VP and GM of Instacart Business & Supply Chain
30%
Higher Conversions
55%
Repeat Purchase
2X
Repeat Purchase
Integrate Your Way
From quick launches to fully custom builds—Balance fits your team, your tech, and your timeline.
Plug in and launch. no heavy lift required
- Integrate quickly with pre-built, hosted components.
- White-labeled, delivered under your brand with no design work required.
- Always up to date, no manual upkeep.
Build natively with Balance APIs. full control, no redirects.
- Own the UI. Control every screen from onboarding to payment hub.
- Seamless flow. Keep buyers in your experience, end to end.
- Hybrid ready. Easily mix hosted and custom components.
Questions & answers
What are net terms?
Net terms let business buyers receive goods or services upfront and pay later—typically within 30, 60, or 90 days. It’s a form of trade credit that’s common in B2B transactions.
What’s the value of net terms for buyers?
Net terms give buyers more time to sell or use the products before paying, improving working capital and reducing upfront costs. They also help buyers align payments with internal AP cycles and procurement requirements—making it easier to place larger or more frequent orders without budget friction.
What’s the value of net terms for merchants?
Many B2B buyers expect to pay on terms—either to manage cash flow or because their organizations require it for procurement or AP compliance. Offering net terms can increase conversion, boost average order value, and help you win long-term customers who wouldn’t otherwise be able to buy.
What makes offering net terms challenging?
Offering net terms creates operational, financial, and risk-related challenges. It requires managing credit checks, invoicing, collections, and reconciliation—all of which take time and resources. You also get paid later, which can strain cash flow. And if a buyer doesn’t pay, you absorb the loss as bad debt.
How does Balance solve the challenges of net terms?
Balance automates the entire net terms process—from credit approval to invoicing, collections, and reconciliation—eliminating operational overhead. You can choose to get paid upfront or on the invoice due date, improving cash flow. And because Balance takes on the credit risk, you’re protected from non-payment.
What is receivables purchasing, and how does it work?
Receivables purchasing is when a third party (like Balance) buys your invoice and takes responsibility for collecting payment from the buyer. This allows you to offer net terms without waiting to get paid—or managing the risk.
Make B2B Growth
A Reality
Book your consultation now.
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