B2B credit adapted to your sector.
Every industry, its solution.
Every sector has its own payment terms, dynamics and risks. FutureBNPL adapts to your industry with independent modules that fit your operations.
B2B late payments in Spain by sector.
Atradius 2025 data.
51% of B2B invoices in Spain are paid late. Average collection periods exceed 61 days. These are the worst-affected sectors.
FutureBNPL adapts to your industry.
Each sector, its configuration.
It doesn't matter if you sell machinery, software or food. The modular platform configures to your terms, your risk and your operations.
B2B Ecommerce
The problem: your B2B store loses sales because checkout doesn't offer deferred payment. Buyers abandon carts when they can't find financing options. And if you offer them yourself, you take all the risk.
The solution: BNPL integrated into your checkout with instant scoring. The buyer chooses 30, 60 or 90 days at the point of purchase. You collect in 24h with 100% insurance. Reconciliation is automatic.
Marketplaces
The problem: you manage dozens or hundreds of sellers and need to verify each buyer, collect on time and reconcile payments from multiple sources. Credit risk multiplies with every new buyer.
The solution: advance payment to the seller from the day after the sale. Automated KYB verification of each buyer. Centralised reconciliation of all payment flows in a single dashboard.
Manufacturing
The problem: you sell large orders (50k-500k) on 60-90 day terms. A single default can wipe out a quarter's profit. Your credit register is saturated with bank facilities that may or may not renew each year.
The solution: 100% credit insurance per transaction. Scoring of each buyer before committing. Collect in 24h without consuming credit register or requiring guarantees. Progressive default management with integrated legal recovery.
Distribution & wholesale
The problem: your portfolio has hundreds of clients, each with their own credit limit and payment history. 51% of invoices in the sector are paid late (Atradius 2025). Chasing payments consumes 10+ hours per week from your finance team.
The solution: smart collection that adapts retries, channels and timing per client automatically. Continuous scoring to adjust limits based on real behaviour. 100% reconciliation without spreadsheets. 24h liquidity that frees your cash cycle.
SaaS & digital services
The problem: a failed recurring payment triggers involuntary churn. Your team wastes time chasing fees that should be automatic. Every client lost to payment friction is revenue that never returns.
The solution: automated subscriptions with smart multi-method retries. If a direct debit fails, it tries transfer or card. Automatic communications to the client. Each fee reconciled with its contract.
International trade
The problem: you sell to companies in other European countries and need to verify their VAT is valid before issuing zero-rated invoices. If the VAT turns out to be invalid, tax authorities demand the uncollected VAT plus penalties. Verifying a foreign buyer's solvency is harder too.
The solution: automatic VAT compliance with continuous VIES monitoring. Pan-European KYB verification in seconds. Scoring and insurance adapted per jurisdiction. One platform for all your European markets.