Win B2B Buyers with Invoicing
Give B2B buyers the payment flexibility they need. Embed invoicing & net terms directly in your checkout—no added overhead or credit risk.
Stop losing revenue- adopt a payment strategy built for B2B.
Invoicing and payment terms are the B2B standards - aligning with business buyers' AP cycles and enabling scalable purchases without upfront cash flow strains. Meet your buyers' needs with Balance. Boost B2B sales while minimizing accounts receivable hassle and risk.
Grow sales with flexible
net terms & payments
Increase conversions and AOV with flexible payment terms, minus the credit risk and overhead.
Improve cash flow
with Smart Financing
Enjoy guaranteed upfront payouts for approved transactions, while your customers pay up to Net 90.
Boost Operational Efficiency
Automate AR processes end-to-end to boost operational efficiency and cut overhead cost.
Qualify buyers for terms in seconds.
Seamless credit application that drives conversions.
- Minimize friction with a quick, automated application flow.
- Qualify buyers anywhere—at checkout, in store, via email—and deliver instant decisions.
- Maintain control of your brand with a white-labeled, Balance-hosted experience or seamless native integration.
Approve more buyers. including SMBs.
Ensure high approvals with autonomous, industry leading underwriting engine.
- AI-powered underwriting engine delivers industry-leading approval rates.
- Advanced risk models go beyond bureau data to identify creditworthy SMBs and sole proprietors.
- Instant decisioning with advanced fraud detection.
Drive spend with dynamic credit.
Effortlessly optimize buyers’ limits to maximize sales.
- Unlock higher spend with Auto-adjusted limits based on real-time purchasing and repayment data to unlock more buyer spend.
Guarantee cash flow, eliminate bad debt.
Let Balance own the credit risk. Choose from advance or guaranteed payments on invoice due date.
- Access funds within 24 hours of invoice generation to strengthen cash flow and working capital.
- Get paid on invoice due dates for predictable DSO.
We handle AR, you focus on growth.
Enjoy white-labeled collections, and cash application with real-time visibility.
- Save time with automated payment matching, reducing manual errors and effort.
- Achieve optimal accuracy and speed with AI-driven remittance processing and smart reconciliation logic.
- Stay in control with a dedicated dashboard providingreal-time insights into buyer activity and program performance.
“A platform that starts its life as B2C will never be able to work for B2B. That’s why we knew we needed a B2B BNPL partner. Balance as a third party was able to work closely enough where it is a seamless handoff.”
Shep Hickey /CEO of Bryzos
Schedule a 20-minute consultation to learn how Digital Trade Credit can fuel your business growth
Request a demo
About
Balance is the leading B2B payments platform, empowering businesses to drive revenue through best-in-class payment experiences and scalable Digital Trade Credit programs. Balance combines net terms financing, AI-powered credit risk management, billing and payments, and AR automation to help merchants fuel growth while minimizing complexity and credit risk.
B2B Payments
Power your omni-channel sales with all the payment methods and terms your buyers prefer.
Explore our B2B Payments
Digital Trade Credit
Offer net terms at scale with industry-best approval rates.
AR Management
Automate your AR workflows, provide cross-team visibility and reduce DSO.
Explore our AR Automation