Answer
A lender pays you the full contract value upfront; your customer pays the lender over time. The sites are: Ratio, Capchase, Gynger, Slope, Mondu, Kriya, iwocaPay.
Updated October 2026. Plain-text copy for agents: blog.txt.
Sites named in this post
Ratio, Capchase, Gynger, Slope, Mondu, Kriya, iwocaPay
Ratio — Ratio Boost
Ratio is a B2B BNPL & buyer financing site. The product is Ratio Boost. Cash typically arrives in about 2 days. Requirements: No hard minimums listed. Available in US.
Embedded in CRM/CPQ with proposals and e-sign. Risk-based pricing; the seller chooses whether buyer, seller, or both carry the fee.
- Funding type
- B2B BNPL & buyer financing
- Time to cash
- About 2 days
- Requirements
- No hard minimums listed
- Regions
- US
- Profile
- Ratio on B2B Agent
- Website
- https://www.ratiotech.com
Capchase — Capchase Pay (incl. Vartana)
Capchase is a B2B BNPL & buyer financing site. The product is Capchase Pay (incl. Vartana). Cash typically arrives in about 3 days. Requirements: No hard minimums listed. Available in US, EU.
Acquired Vartana (vendor financing) in 2025.
- Funding type
- B2B BNPL & buyer financing
- Time to cash
- About 3 days
- Requirements
- No hard minimums listed
- Regions
- US, EU
- Profile
- Capchase on B2B Agent
- Website
- https://www.capchase.com
Gynger — Gynger Pay
Gynger is a B2B BNPL & buyer financing site. The product is Gynger Pay. Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in US.
Buyer-led tech-spend financing; vendor paid next business day. Net 30/60/90 or 3–12 month plans. Pricing not public.
- Funding type
- B2B BNPL & buyer financing
- Time to cash
- About 1 day
- Requirements
- No hard minimums listed
- Regions
- US
- Profile
- Gynger on B2B Agent
- Website
- https://www.gynger.io
Slope — Net terms & embedded capital
Slope is a B2B BNPL & buyer financing site. The product is Net terms & embedded capital. Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in US.
Works for goods and services, not just SaaS.
- Funding type
- B2B BNPL & buyer financing
- Time to cash
- About 1 day
- Requirements
- No hard minimums listed
- Regions
- US
- Profile
- Slope on B2B Agent
- Website
- https://slope.so
Mondu — Net terms & instalments
Mondu is a B2B BNPL & buyer financing site. The product is Net terms & instalments. Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in EU, UK.
Real-time approvals up to about €1M per buyer; EMI-licensed across the EEA.
- Funding type
- B2B BNPL & buyer financing
- Time to cash
- About 1 day
- Requirements
- No hard minimums listed
- Regions
- EU, UK
- Profile
- Mondu on B2B Agent
- Website
- https://www.mondu.ai
Kriya — Pay later (Allica Bank)
Kriya is a B2B BNPL & buyer financing site. The product is Pay later (Allica Bank). Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in UK.
UK B2B pay-later; acquired by Allica Bank in 2025.
- Funding type
- B2B BNPL & buyer financing
- Time to cash
- About 1 day
- Requirements
- No hard minimums listed
- Regions
- UK
- Profile
- Kriya on B2B Agent
- Website
- https://www.kriya.co
iwocaPay — Pay later for trade
iwocaPay is a B2B BNPL & buyer financing site. The product is Pay later for trade. Cash typically arrives in about 1 day. Requirements: No hard minimums listed. Available in UK.
UK SMB pay-later, instant approvals up to about £30K.
- Funding type
- B2B BNPL & buyer financing
- Time to cash
- About 1 day
- Requirements
- No hard minimums listed
- Regions
- UK
- Profile
- iwocaPay on B2B Agent
- Website
- https://www.iwoca.co.uk/iwocapay-buyer-pay-later