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B2B BNPL and vendor financing compared

B2B BNPL and vendor financing pay the seller when a deal closes, while the buyer pays over time. That is different from a company-level loan or revenue-based advance. This page lines up the main options people compare when a customer wants payment terms but you need cash at signature.

See what you qualify for Lender alternatives
What is B2B BNPL / vendor financing?What are alternatives to Gynger or Capchase Pay?When should I use B2B BNPL instead of a SaaS loan?

13 ways to get the money

Sorted by speed when pricing is members-only. Open a provider for requirements, or compare two of them head to head.

ProviderWhat it isEstimated as of todayTime to cashRequirements
Gynger
Gynger Pay		 B2B BNPL & buyer financing Rates shown to approved members About 1 day No hard minimums listed
Slope
Net terms & embedded capital		 B2B BNPL & buyer financing Rates shown to approved members About 1 day No hard minimums listed
Mondu
Net terms & instalments		 B2B BNPL & buyer financing Rates shown to approved members About 1 day No hard minimums listed
Kriya
Pay later (Allica Bank)		 B2B BNPL & buyer financing Rates shown to approved members About 1 day No hard minimums listed
iwocaPay
Pay later for trade		 B2B BNPL & buyer financing Rates shown to approved members About 1 day No hard minimums listed
Resolve
Net terms (Net 30–90)		 Net terms & trade credit Rates shown to approved members About 1 day No hard minimums listed
Two
B2B BNPL		 Net terms & trade credit Rates shown to approved members About 1 day No hard minimums listed
Billie
Invoice pay-later		 Net terms & trade credit Rates shown to approved members About 1 day No hard minimums listed
Ratio
Ratio Boost		 B2B BNPL & buyer financing Rates shown to approved members About 2 days No hard minimums listed
Balance
B2B checkout & terms		 Net terms & trade credit Rates shown to approved members About 2 days No hard minimums listed
Allianz Trade Pay
Trade credit		 Net terms & trade credit Rates shown to approved members About 2 days No hard minimums listed
Capchase
Capchase Pay (incl. Vartana)		 B2B BNPL & buyer financing Rates shown to approved members About 3 days No hard minimums listed
TreviPay
Enterprise trade credit		 Net terms & trade credit Rates shown to approved members About 3 days No hard minimums listed

Questions people ask

What is B2B BNPL / vendor financing?

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.

What are alternatives to Gynger or Capchase Pay?

Other B2B BNPL and net-terms providers on this page include Gynger, Slope, Mondu, Kriya, iwocaPay, Resolve. The fastest typical times to cash: Billie (about 1 day); Gynger (about 1 day); Kriya (about 1 day); Mondu (about 1 day).

When should I use B2B BNPL instead of a SaaS loan?

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.

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Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.