Our take on Billie
In our Net terms & trade credit group of 6, Billie fits invoice-based sales where buyers expect 30–90 days to pay. Pricing is shared with approved members only, so we do not publish a rate range for it. Cash typically arrives in about 1 day, faster than the group median of 1.5 days. The main trade-off in this group: short terms only. Priced per 30 days, so the annualized rate is high.
Key facts
| Product | Invoice pay-later |
| Funding type | Net terms & trade credit |
| Estimated rate as of today | Rates shown to approved members |
| Pricing source | Estimated as of today |
| Time to cash | About 1 day |
| Typical size | Up to $1M |
| Term | 1–4 months |
| Requirements | No hard minimums listed |
| Regions | EU · UK |
| What they underwrite | Your buyers |
| Collateral | Customer invoice |
| How you repay | Buyer repays lender |
| Dilution | None |
The estimated rate for Billie, as of today, is shown to approved members. Sign in to see it.
Billie pros and cons
- Fast: about 1 day to cash
- Non-dilutive: no equity or warrants
- No revenue minimum listed
- Pricing isn't public
Invoice-based sales where buyers expect 30–90 days to pay.
Short terms only. Priced per 30 days, so the annualized rate is high.
Billie alternatives
Other net terms & trade credit providers, fastest first.
| Provider | Estimated as of today | Time to cash | Requirements | |
|---|---|---|---|---|
| Resolve Net terms (Net 30–90) |
Rates shown to approved members | About 1 day | No hard minimums listed | Compare → |
| Two B2B BNPL |
Rates shown to approved members | About 1 day | No hard minimums listed | Compare → |
| Balance B2B checkout & terms |
Rates shown to approved members | About 2 days | No hard minimums listed | Compare → |
| Allianz Trade Pay Trade credit |
Rates shown to approved members | About 2 days | No hard minimums listed | Compare → |
| TreviPay Enterprise trade credit |
Rates shown to approved members | About 3 days | No hard minimums listed | Compare → |
Compare Billie
Billie FAQ
How much does Billie cost?
The estimated rate for Billie, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and Billie's underwriting.
How fast does Billie fund?
About 1 day from application to cash, based on typical timelines.
What are Billie's requirements?
No hard minimums listed. Available in EU, UK.
How much can you get from Billie?
Up to $1M. Terms run 1–4 months.
What are the best alternatives to Billie?
Other net terms & trade credit providers include Resolve (about 1 day); Two (about 1 day); Balance (about 2 days). Compare all 6 side by side on B2B Agent.
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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.