B2B BNPL · Deferred payment between companies
Digital trade credit for B2B companies
Your clients pay later. You collect today.
FutureBNPL is the digital B2B credit platform that lets you offer deferred payment (30, 60, 90 days) to your clients and collect 100 % within 24 h, with zero risk and no credit bureau impact.
✓
Collect in 24 h✓
No banks, no guarantees✓
Zero risk✓
Better cashflowCollect instantly. No banks. No bad debts.
This simple
Digital B2B credit: deferred payment for your clients,
instant liquidity for you
FutureBNPL externalises and automates your entire trade credit cycle. From the moment your client chooses to pay at 30, 60 or 90 days until you receive the funds within 24 hours. Scoring, insurance, financing, collections and defaults: all handled on a single platform.
Your client buys on terms
Chooses to pay at 30, 60 or 90 days at checkout or ERP
→
Scoring in seconds
We verify and approve the buyer instantly
→
100 % insured
The invoice is covered from day one. If they don't pay, you don't lose
→
You collect in 24 h
Full amount in your account. No debt, no banks, no guarantees
→
We handle the rest
Buyer collection, reconciliation, defaults and disputes
The problem
B2B financing without banks:
from problem to solution
You collect late, bear default risk and depend on banks. FutureBNPL changes that from day one.
True cost of B2B credit
Every credit sale costs you between 1.5% and 3.5%
just to collect on deferred terms
These percentages apply regardless of your company size. The real cost goes far beyond the headline interest rate:
Traditional model
Estimated annual cost (60-day terms)
Financing (credit facility, confirming, factoring…)0.4 – 1.0%
Includes interest, opening commissions and non-utilisation fees. Varies by instrument and risk profile.
Credit insurance0.5 – 1.0%
Only covers 80–90% of the loss. Premiums increase after years with claims.
Collections and administration0.2 – 0.5%
Uninsured bad debt, recovery and legal0.4 – 1.0%
Total estimated cost1.5 – 3.5%
And that's before counting…
Personal guarantees to access financing. The risk of non-renewal of credit lines at the worst moment. And if you turn to alternative financing, these percentages multiply.
vs
With FutureBNPL
Estimated annual cost
Fee per successful transactionPer proposal
Includes everything: scoring, insurance, financing, collections and default management.
Credit insuranceIncluded
100% coverage. No deductibles, no exclusions.
Collections management€0 (automated)
Bad debt€0 (risk covered)
Net result20 – 60% lower cost
Transparent pricing
No opening commissions. No non-utilisation fees. No surprise increases. No personal guarantees. No non-renewal risk. No internal collections management. Everything 100% automated.
ROI Calculator
Calculate FutureBNPL's impact
on your business
Enter your business data and discover how much you can unlock in cash flow, savings and DSO reduction.
Your business data (annual)
Credit sales10,000,000 €
Average payment terms60 days
DSO — Delay beyond terms15 days
Annual bad debt / defaults1 %
Current financing cost1 %
Credit insurance premium0.5 %
Your estimated impact with FutureBNPL
Your current B2B credit cost
↳ Financing–
↳ Credit insurance–
↳ Bad debt–
↳ Admin & management–
Total cost–
With FutureBNPL
New effective DSO–
Estimated annual savings–
Capital freed for reinvestment
–
Cashflow currently locked in receivables
* Indicative estimate. Actual impact depends on your sector and client profile.
FAQ
Frequently asked questions about B2B BNPL and FutureBNPL
This simple
FutureBNPL is a digital B2B credit platform that enables sellers to offer deferred payment (30, 60, 90 days) to their clients and collect 100% of the amount within 24 hours. It orchestrates the entire order-to-cash cycle: scoring, credit insurance, financing, collections and defaults.
What makes FutureBNPL different from other B2B financing solutions?
FutureBNPL digitises and automates the entire process: instant scoring, credit insurance, 24 h collection and default management. No credit bureau impact, no guarantees required, and 100% default risk coverage.
What happens if a client doesn't pay?
FutureBNPL bears 100% of the default risk. You always collect instantly. The platform handles recovery automatically, including credit insurance activation if needed.
Does FutureBNPL affect my credit rating?
No. FutureBNPL transactions do not generate credit bureau records, so they don't affect your future financing capacity or credit rating.
When do I receive the funds from my sales?
Within 24 hours. Typically the same or next business day (T+1). Your clients can pay at 30, 60 or 90 days, but you collect instantly.
How much does FutureBNPL cost?
The model is transactional and conditions are tailored to each company. We analyse your volume, sector and client profile to offer a bespoke proposal. No lock-in, no hidden costs. Request your personalised proposal.
How does FutureBNPL integrate with my business?
Via plugins for ecommerce (Shopify, PrestaShop, WooCommerce, Magento), ERP connectors (SAP, Odoo, Holded) or REST API. Typical integration is completed in days, not months.
Is FutureBNPL available outside Spain?
Yes. FutureBNPL has pan-European coverage, with multilingual support and local regulatory compliance (PSD2, AML/KYC, GDPR).
What is B2B BNPL?
BNPL stands for "Buy Now, Pay Later". In B2B, it lets your business clients buy now and pay at 30, 60 or 90 days, while you collect instantly. Unlike consumer BNPL, B2B involves much larger amounts, credit risk assessment, credit insurance and real financing.
What is order-to-cash and why does it matter?
Order-to-cash (O2C) is the complete cycle from when a client places an order until you collect: verification, invoicing, collection, reconciliation and defaults. It is the most critical process for your company's liquidity. FutureBNPL automates the entire O2C and also finances and insures every transaction.
Ready to collect within 24 h
and eliminate default risk?
Free demo, no commitment. Response within 24 h.