B2B collections & credit platform

B2B credit without banks. Collect instantly.
We take the risk.

The only platform that unifies credit, insurance, collection, reconciliation and default management in a single partner. No banks. No credit register. No guarantees.

Request free demo → ROI Calculator
FutureBNPL
Operation #2847 · NovaParts SL Approved
Invoice amount
€24,800
You collect tomorrow
€24,800
KYB verified✓ 1.2s
Credit scoring✓ A+ · €50K limit
Credit insurance✓ 100% coverage
Financing✓ Collect T+1
No credit register · No guarantees · No banks
The real problems of B2B credit

Selling on B2B credit shouldn't put your business at risk.
And how FutureBNPL solves it.

55%B2B invoices unpaid
89%businesses stalled by late payments
25%bankruptcies from defaults
🏦
Bank dependency

You depend on banks to sell on credit

Credit lines, guarantees, uncertain renewals. Your growth limited by the bank.

With FutureBNPL → No banks, no credit register, no guarantees
⏰
Late collections

You collect late and your cash flow suffers

60-90 day terms + 20-30 days real delay. You become your clients' bank.

With FutureBNPL → Collect in 24h with smart collection
💥
Defaults & concentration

One default can sink you

1 unpaid invoice wipes dozens of sales. If your big client falls, the bank pulls your line.

With FutureBNPL → 100% insurance + legal recovery
📊
Impossible reconciliation

Reconciling payments doesn't scale

Transfers with no reference, SEPA, cards. Month-end cross-referencing spreadsheets.

With FutureBNPL → Automatic reconciliation, zero spreadsheets
🔗
Everything disconnected

Where your ERP ends, there's nothing

No software manages credit, risk, collections, reconciliation and defaults in one place and in logical order.

With FutureBNPL → The entire post-invoice cycle, connected to your ERP
🔍
No verification or control

Every unverified order is a risk

Fraud, impersonation, invalid VAT, insolvency, anti-money laundering (AML). Without KYB, the risk is yours.

With FutureBNPL → Verification + monitoring + risk alerts
💧 Cash tension

Your money trapped in invoices while salaries, suppliers and taxes won't wait. 82% of business failures are caused by cash flow problems.

⚙️ Hidden operational cost

Sales, finance, admin: everyone chasing payments, cross-referencing spreadsheets, calling debtors. Without a system to manage it, it becomes a black hole of resources.

How B2B credit works with FutureBNPL

From sale to collection in 24 hours.
Automatic. No banks. Zero risk.

1

Your client chooses deferred payment

30, 60 or 90 days. In your ERP, ecommerce or via payment link.

2

Instant scoring & insurance

We verify the buyer, assess risk and insure the invoice at 100%. In seconds.

3

You collect in 24h

You receive the full amount in your account. Your client pays later. You already have the money.

4

Automatic collection from buyer

We manage collections, reminders and reconciliation. If they don't pay, we activate recovery and insurance.

See BNPL B2B in detail →
This is FutureBNPL

The entire B2B credit cycle,
united for the first time.

We provide the capital, the insurance and the technology to collect, reconcile, monitor and manage defaults. Nobody else offers a solution like this after your invoice — all connected to your ERP.

🏦
Financing & credit
No credit register, no guarantees, no banks
🛡️
Scoring & insurance
Instant assessment, 100% coverage
💳
Collection & payment
Smart collection, all payment methods
📊
Automatic reconciliation
Every payment matched to its invoice in your ERP. Goodbye spreadsheets
⚖️
Legal & recovery
Defaults, asset seizure, KYB & monitoring
FutureBNPL isn't software that informs. It's infrastructure that executes.
See the full platform →
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 → 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 →
Frequently asked questions

What you need to know
before getting started.

What is FutureBNPL and what problem does it solve?
FutureBNPL is a digital B2B trade credit platform that lets sellers offer deferred payment (30, 60 or 90 days) while collecting the full amount in 24 hours. It eliminates bank dependency, default risk and credit register consumption.
How quickly does the seller get paid?
The seller collects the next business day after approval (T+1). The effective collection period drops from 60-90 days to under 24 hours.
Does FutureBNPL replace the bank?
It doesn't replace the entire banking relationship, but it does eliminate the need for working capital facilities, factoring and confirming to finance your trade credit. Your bank capacity stays free for strategic investments.
What types of companies can use FutureBNPL?
Any B2B company that sells on credit: ecommerce, distributors, wholesalers, manufacturers, SaaS, logistics, training and professional services. No minimum volume required to start.
Is FutureBNPL only for credit, or does it cover more?
It covers the entire post-invoice cycle: client verification (KYB), credit scoring, credit insurance, financing, smart collection, automatic reconciliation, default management and dispute resolution. Activate all modules or just the ones you need.

Want to see how it works for your business?

Personalised demo with data from your sector. No commitment.

Request demo → ROI Calculator