B2B BNPL · Deferred payment between companies
B2B deferred payment, zero risk.
Collect in 24h. No banks.
FutureBNPL verifies, insures and collects for you. You just sell.
Offer 30, 60 or 90 days to your business clients. Instant scoring, 100% insurance and automatic collection in one platform.
✓
Collect in 24 h✓
No banks, no guarantees✓
Zero risk✓
Better cashflowCollect instantly. No banks. No bad debts.
What is B2B BNPL?
Buy Now, Pay Later for businesses:
digital trade credit.
B2B BNPL is the digital evolution of trade credit. Instead of relying on banks, credit facilities or factoring, you offer deferred payment directly in your checkout or ERP — and collect in 24h. Here's how it works:
Your client chooses deferred payment
30, 60 or 90 days. In your ERP, ecommerce or via payment link
→
Instant scoring and insurance
We verify the buyer, assess the risk and insure the invoice at 100%. In seconds
→
You collect in 24h
Full amount in your account. Your client pays later. You already have the money
→
Automatic buyer collection
We manage collections, reminders, reconciliation. If they don't pay, we activate recovery and insurance
The real problem
B2B credit costs more than you think.
And you don't have to bear it.
Collect in 60–90 days
vs
Collect in 24 h ⚡
You bear the default risk
vs
Zero risk 🛡️
Banks and personal guarantees
vs
No banks, no guarantees ✓
Manual management
vs
100% automated 🤖
Cashflow trapped 60–90 days
vs
Better liquidity, higher valuation 📈
Every credit sale costs you between 1.5% and 3.5%
Just to let your client pay later. 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.
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 →
B2B default management →
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
Frequently asked questions about B2B BNPL and FutureBNPL
What is B2B BNPL and how does it differ from consumer BNPL?
B2B BNPL lets business buyers pay on terms (30-60-90 days) while the seller collects in 24h. Unlike consumer BNPL (Klarna, etc.), it handles larger amounts, longer terms, business-level credit scoring and B2B regulatory compliance (KYB, AML, PSD2).
What payment terms can I offer my clients?
Deferred payment at 30, 60 or 90 days, split payment in 3 instalments (30-60-90), or invoice grouping into a single due date. The buyer chooses at checkout or during the usual sales process.
Who assumes the risk if the buyer doesn't pay?
FutureBNPL assumes 100% of default risk from the moment of approval. If the buyer doesn't pay, the insurer covers the amount and FutureBNPL handles recovery. The seller always collects in 24h.
What is the difference between B2B BNPL and factoring?
Factoring assigns already-issued invoices to a financial entity, consumes credit register capacity and usually requires recourse. B2B BNPL finances each sale at approval, doesn't consume credit register, covers 100% of defaults and integrates digitally.
How does it affect my company's balance sheet?
It generates no debt on your balance. Financing is non-recourse and external: it doesn't appear as a liability, doesn't consume credit register and doesn't affect future borrowing capacity.
What does it cost for the seller?
You only pay a fee per successful transaction. No fixed fees, no origination charges, no non-use penalties, no annual renewals. Terms adapt to each company's volume, sector and client profile.
Can I offer BNPL only to certain clients?
Yes. You can segment which clients access deferred payment based on their scoring, history or profile. Each buyer gets a personalised credit limit that both parties can check in real time.
Ready to collect within 24 h
and eliminate default risk?
Free demo, no commitment. Response within 24 h.