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BNPL B2B

Instant B2B financing: every credit sale as if it were cash

Your clients pay in 30, 60 or 90 days. You collect in 24 hours. No debt on your balance sheet, no bank credit impact, no guarantees and no depending on a bank to renew your facility. External financing that frees your cashflow and scales with you.

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Your client pays 60 days You collect T+1 24 hours No bank credit · No debt · No guarantees
T+1
Collect next day
0
Bank credit impact
0
Debt on balance sheet
0
Guarantees required
The problem

Chasing payments is not your job

Defaults don't just cost money. They cost time, focus, commercial relationships, and your team's peace of mind. And when the debtor is in another country, most companies simply write off the loss.

💸

One default wipes out 20 sales' profit

With a 5% margin, you need 20 new sales to offset one unpaid invoice. For SMEs, a couple of significant defaults can threaten business viability.

📈

Your insurance premium rises every year

Every declared claim worsens your ratio and makes policy renewal more expensive. The insurer penalises you for what you couldn't prevent. The cycle repeats.

🤝

Collecting damages the relationship

Your sales team shouldn't be debt collectors. The tone shifts, trust erodes, and often you lose both the money and the client.

🌍

Different country, different law, different language

If your debtor is in Germany, France or Italy, complexity multiplies. Different legal systems, different languages, different timelines. Most companies simply give up.

What we achieve

Fewer defaults. Lower premiums. Collection time under control.

We've built a system that prevents, detects and resolves B2B defaults automatically, before they become a problem for your business or your insurer.

Defaults resolved without insurance claim

The vast majority of cases are resolved before reaching the insurer. Your claims ratio improves and your policy becomes cheaper at the next renewal.

Resolved without legal action

Our system ensures most debtors pay before escalation is needed. Technology, intelligence, and pressure at the right moment.

Countries with full coverage

If your debtor is in any European country, we act. In their language, under their legislation, without you managing anything. One integration, one point of contact.

🛡️
Your insurance premium drops. Automatically.
By drastically reducing declared claims, your ratio improves and the insurer offers better terms at every renewal. It's not magic: 95% of defaults are resolved before they reach the insurer.
The change

What changes when FutureBNPL manages your defaults

❌ Without FutureBNPL

⏳Your team wastes hours chasing payments
📈Claims pile up and premiums rise
🌍Cross-border: you absorb the loss
📊Real collection time far above agreed terms
😤No visibility until it's too late

✅ With FutureBNPL

⚡You manage nothing. We handle everything
🛡️95% of defaults resolved without claims
🌍Coverage in 25+ European countries
📊Collection time under control, predictable cashflow
📉Your insurance premium drops at every renewal
Related solutions
Factoring alternative → Recover unpaid invoices → Financing without credit register → B2B credit scoring → Trade credit insurance → Automatic reconciliation → B2B KYB verification → Smart B2B collection → BNPL B2B → What is credit register → BNPL vs factoring → E-invoicing regulation → Reduce DSO → VAT compliance B2B → What is BNPL B2B → B2B subscriptions → B2B dispute resolution → Order to cash B2B → Improve business liquidity →
FAQ

About default management

When does default management activate?
Automatically when a payment exceeds the agreed term and smart collection retries have been unsuccessful. Progressive process: amicable first, legal second, insurance as last resort.
Does FutureBNPL handle legal recovery?
Yes. The platform can activate recovery proceedings with legal capacity: formal demands, preventive seizures and judicial claims through specialised partners. Fully automated with complete traceability.
When does credit insurance activate in a default?
After exhausting amicable and legal recovery channels, typically 90-120 days after due date. But the seller doesn't need to wait: they already collected in 24h.
Does the default process damage client relationships?
Designed to preserve commercial relationships. Communications are professional, gradual and personalised. Many defaults resolve in the amicable phase.
What information do I have on each default?
Real-time dashboard: recovery phase, communications sent, buyer responses, legal deadlines and insurance case status. Complete traceability of every euro.

Tired of chasing payments?

Request a demo and discover how we manage everything for you.

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