Answer
Use B2B BNPL when a customer needs payment terms and you need the contract cash at close. Use a company-level loan or revenue-based financing when you need cash for payroll, growth, or runway and you are the borrower.
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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