What B2B buyer financing is
B2B buyer financing lets a business that sells to other businesses offer its customers the option to pay over time at the point of purchase. Your customer chooses a weekly payment over a term of up to 52 weeks; you, the seller, are paid up front. It works like consumer “buy now, pay later” — but built for business-to-business orders.
Why sellers offer it
- Bigger orders. Buyers say yes to larger purchases when they can budget a weekly payment instead of taking a lump sum out of cash.
- Higher win rate and upsell. A higher approval lets you upsell, lifting the selling merchant’s sales volume.
- You get paid up front — the financing carries the wait, not your cash flow.
- Optional rate discount. You can choose to discount the buyer’s rate to help close a deal.
How it works
- Your customer applies at the point of purchase and shares bank statements.
- Purchases under $15,000 are typically auto-decisioned in under 20 minutes. Larger amounts are reviewed case by case, with approvals commonly up to ~$400,000 (minimum purchase $500).
- On approval, you’re paid up front and the buyer repays weekly over the chosen term.
What it costs the buyer
Rates start as low as 7.99% for 26 weeks, up to around 12.99% for 52 weeks, and the buyer can pay it off any time with no penalty. For a buyer who purchases regularly, it turns a large one-time cash outlay into a predictable weekly payment — easier cash-flow management, without draining working capital for a project.
When it’s a good fit
- You sell products or services to other businesses and want to grow order size.
- Your customers buy repeatedly or place larger orders.
- You’d rather be paid up front while giving customers flexibility.
Getting set up as a seller
Sellers are onboarded to offer financing at the point of sale; once you’re set up, you can present the option on qualifying orders. Buyers apply at checkout, and purchases under $15,000 are typically auto-decisioned in minutes.
Pros and cons for sellers
- Pros: larger orders and higher win rates; you’re paid up front; no receivable to carry; an optional rate discount to help close a deal.
- Cons: works best when you sell to other businesses with repeat or larger orders, and the buyer still needs to qualify.
Rates and terms shown are illustrative and set by the financing partner. Educational information only — not an eligibility decision.
Common questions
What is B2B buyer financing?
It lets a business that sells to other businesses offer its customers instalment terms on a purchase — the buyer pays weekly over a chosen term (up to 52 weeks), while the seller is paid up front. It's like point-of-sale financing, built for B2B transactions.
How fast are buyers approved?
Purchases under $15,000 are typically auto-decisioned in under 20 minutes from a completed application and bank statements. Larger amounts are reviewed case by case, with approvals commonly ranging up to about $400,000.
What does it cost the buyer?
Rates start as low as 7.99% for a 26-week term, up to around 12.99% for 52 weeks. The buyer can pay the balance off any time with no penalty. Sellers also have the option to discount the rate for their customer.
Why would a seller offer it?
Offering terms tends to increase order size and win rate — buyers can say yes to larger purchases when they can budget a weekly payment instead of paying a lump sum up front, and higher approvals let you upsell.