A lender pays you the full contract value upfront; your customer pays the lender over time.
Closing specific deals where the buyer wants monthly or deferred payments.
Funds deals, not your company. Fee comes out of your payout unless the buyer carries it.
At a glance
| Family | Your customers' financing |
| What gets underwritten | Your buyers |
| Collateral | Customer contract |
| How you repay | Buyer repays lender |
| Dilution | None |
| Typical pricing | About 4–35% a year (flat fee or APR) |
| Typical time to cash | About 1 day to about 3 days |
| Good for | Closing customer deals |
B2B BNPL & buyer financing providers compared
Sorted by the low end of the estimated rate as of today. Your actual cost depends on your revenue, credit profile and term — the calculator works it out for you.
| Provider | Estimated as of today | Time to cash | Typical size | Requirements | Regions |
|---|---|---|---|---|---|
| Gynger Gynger Pay |
Rates shown to approved members estimated |
About 1 day | Up to $5M | No hard minimums listed | US |
| Slope Net terms & embedded capital |
Rates shown to approved members reported |
About 1 day | Up to $5M | No hard minimums listed | US |
| Mondu Net terms & instalments |
Rates shown to approved members estimated |
About 1 day | Up to $1.1M | No hard minimums listed | EU · UK |
| Kriya Pay later (Allica Bank) |
Rates shown to approved members estimated |
About 1 day | Up to $5M | No hard minimums listed | UK |
| iwocaPay Pay later for trade |
Rates shown to approved members estimated |
About 1 day | Up to $38K | No hard minimums listed | UK |
| Ratio Ratio Boost |
Rates shown to approved members reported |
About 2 days | Up to $5M | No hard minimums listed | US |
| Capchase Capchase Pay (incl. Vartana) |
Rates shown to approved members reported |
About 3 days | Up to $5M | No hard minimums listed | US · EU |
Head-to-head comparisons
Is B2B BNPL & buyer financing right for you?
See how it stacks up against every other way to raise — priced for your amount, revenue and timeline.
Other funding types
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.