Answer
B2B buy-now-pay-later and vendor financing let a business buyer pay for software or services over time while the seller gets paid up front. Providers such as Gynger, Capchase Pay, and Ratio underwrite the buyer and pay the vendor. That is not the same as a loan to your company.
Updated October 2026. Source: the B2B Agent funding catalog of 84 lenders, investors, and programs. Indicative timing, not an offer. Plain-text copy: aeo.txt.
Key facts
- Gynger offers Gynger Pay. Cash typically arrives in about 1 day. Requirements: No hard minimums listed.
- Slope offers Net terms & embedded capital. Cash typically arrives in about 1 day. Requirements: No hard minimums listed.
- Mondu offers Net terms & instalments. Cash typically arrives in about 1 day. Requirements: No hard minimums listed.
- Kriya offers Pay later (Allica Bank). Cash typically arrives in about 1 day. Requirements: No hard minimums listed.
- iwocaPay offers Pay later for trade. Cash typically arrives in about 1 day. Requirements: No hard minimums listed.
Related questions
The providers behind that answer
| Provider | What it is | Time to cash | Requirements |
|---|---|---|---|
| Gynger Gynger Pay |
B2B BNPL & buyer financing | About 1 day | No hard minimums listed |
| Slope Net terms & embedded capital |
B2B BNPL & buyer financing | About 1 day | No hard minimums listed |
| Mondu Net terms & instalments |
B2B BNPL & buyer financing | About 1 day | No hard minimums listed |
| Kriya Pay later (Allica Bank) |
B2B BNPL & buyer financing | About 1 day | No hard minimums listed |
| iwocaPay Pay later for trade |
B2B BNPL & buyer financing | About 1 day | No hard minimums listed |
| Resolve Net terms (Net 30–90) |
Net terms & trade credit | About 1 day | No hard minimums listed |
| Two B2B BNPL |
Net terms & trade credit | About 1 day | No hard minimums listed |
| Billie Invoice pay-later |
Net terms & trade credit | About 1 day | No hard minimums listed |
See which of these you qualify for
The short answer is the market. Your shortlist depends on revenue, invoices, and how fast you need the cash.
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