Our take on Two
Two (B2B BNPL) is one of 6 providers in our Net terms & trade credit group, which suits 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 Pricing is shared with approved members only, so we do not publish a rate range for it.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 | B2B BNPL |
| 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 | UK · EU · US |
| What they underwrite | Your buyers |
| Collateral | Customer invoice |
| How you repay | Buyer repays lender |
| Dilution | None |
The estimated rate for Two, as of today, is shown to approved members. Sign in to see it.
Two pros and cons
- Fast: about 1 day to cash
- Non-dilutive: no equity or warrants
- No revenue minimum listed
- Available in UK, EU, US
- 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.
Two 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 → |
| Billie Invoice pay-later |
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 Two
Two FAQ
How much does Two cost?
The estimated rate for Two, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and Two's underwriting.
How fast does Two fund?
About 1 day from application to cash, based on typical timelines.
What are Two's requirements?
No hard minimums listed. Available in UK, EU, US.
How much can you get from Two?
Up to $1M. Terms run 1–4 months.
What are the best alternatives to Two?
Other net terms & trade credit providers include Resolve (about 1 day); Billie (about 1 day); Balance (about 2 days). Compare all 6 side by side on B2B Agent.
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Is Two your best option?
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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.