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.
Pay-by-Invoice
Scale net terms
without the headache
Offer B2B buyers the invoicing and net terms they expect.
Drive growth with no AR complexity and zero credit risk.
Drive growth with no AR complexity and zero credit risk.
Built-in, hands-off
credit & AR
credit & AR
Top approval rates,
even for SMBs
even for SMBs
Exclusive limits that
drive repeat purchases
drive repeat purchases
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
Three ways to level upB2B sales with Balance:
Grow sales with
net terms
55%
increase in spend
Guarantee cash flow,
no bad debt
Zero
credit risk
Eliminate accounts
receivable complexity
80%
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 at scale.
/
Buyer Onboarding
Business Details
Business name
Business type▼
AI-Powered Credit Risk Assessment
Credit Underwriting
Congratulations!
You're approved for $50,000 net terms
Billing
How would you like to pay?
Credit Card
Invoice
ACH
Invoice Generation & Delivery
$
Merchant gets paidAutonomous AR
Payments Portal
INV-001$10,000Pay now
INV-002$5,000Due
Collection & AI-Powered Cash Application
Real-Time Credit Management
Credit Status
Your limit increased to $75,000
AI-Powered Credit Limit Adjustments
Seamless experience from
onboarding to payment.
Credit Application
Frictionless onboarding
- Instant credit decisioning
- Top approval rates, even for SMBs
- Tailor qualification flows for every customer type
- Streamline business customer onboarding and KYB
- Keep fraudsters out with built-in fraud monitoring and detection
Embedded Checkout
B2B optimized checkout experience
- Real-time credit sync across all order sources. No stale limits
- Unlock larger purchases by allowing buyers to split payments across their credit limit and spot payments.
- Fully white-labeled. Customize for your brand
Invoicing
Issue and deliver digital invoices at scale
- Automated invoice generation and delivery
- Offer consolidated invoicing for frequent purchasing and AP compliance
- Customized billing periods, dates and net terms duration
- Easily customize invoices
Payment Portal
Self-serve payment portal
- Let buyers view and manage all invoices
- Buyer can group orders by department, location, function, or any relevant category
- One-click payment and autopay setup
- Flexible payment plans
- Credit limit visibility & limit increase requests
AI Risk infrastructure thatdrives growth.
Approve more buyers including SMBs. Unlock higher spend with real-time credit management.
Pre-approvals
& adaptive underwriting
& adaptive underwriting
Industry leading approval rates,
even for SMBs
even for SMBs
Automated credit limit
adjustments
adjustments
Hands-off AR. Zero credit risk.
Collections
Smart dunning & autonomous collections
- Automated reminders
- Flexible payment plans
AI-Powered Cash Application
Auto-match payments to invoices
- Automated payment-to-invoice matching
- AI detects missing/incomplete remittance, requests buyer context
- Buyer reviews AI-suggested matches and confirms
Financial Services
Choose when to get paid
Net terms financing
Get paid early, free up capital, and offer terms without extending DSO.
DSO protection
Guaranteed payment on the buyer’s due date with DSO protection.
Vendor payouts acceleration
Grow your vendor network without changing your AP cycles.
Net terms financing
Get paid early, free up capital, and offer terms without extending DSO.
DSO protection
Guaranteed payment on the buyer’s due date with DSO protection.
Vendor payout acceleration
Grow your vendor network without changing your AP cycles.
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
Get expert advice on scaling payments and simplifying operations.
Book your consultation now.
Book your consultation now.
