Key differences
- Approved members can compare the estimated rates as of today side by side.
- Two is usually faster to fund (about 1 day vs about 2 days).
- Regions: Balance covers US; Two covers UK, EU, US.
Side by side
| Balance | Two | |
|---|---|---|
| Product | B2B checkout & terms | B2B BNPL |
| Funding type | Net terms & trade credit | Net terms & trade credit |
| Estimated rate as of today | Rates shown to approved members | Rates shown to approved members |
| Pricing source | Estimated as of today | Estimated as of today |
| Time to cash | About 2 days | About 1 day |
| Typical size | Up to $1M | Up to $1M |
| Term | 1–4 months | 1–4 months |
| Requirements | No hard minimums listed | No hard minimums listed |
| Regions | US | UK · EU · US |
| What they underwrite | Your buyers | Your buyers |
| Collateral | Customer invoice | Customer invoice |
| How you repay | Buyer repays lender | Buyer repays lender |
| Dilution | None | None |
Balance vs Two FAQ
What is the difference between Balance and Two?
Approved members can compare the estimated rates as of today side by side. Two is usually faster to fund (about 1 day vs about 2 days). Regions: Balance covers US; Two covers UK, EU, US.
Which is faster, Balance or Two?
Two usually funds in about 1 day; Balance takes about 2 days.
Which is cheaper for you?
The answer depends on your amount, term and revenue. The calculator prices both on the same basis — fees, warrants and dilution included.
Related comparisons
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.