Offer flexible terms at checkout while getting paid instantly—no collections, no delays, no friction.
Built for B2B sellers and platforms, this financing solution helps you offer net terms without delays, risk, or operational lift.
Offer flexible terms to your customers while getting paid immediately.
Provide financing that supports your customers’ cash flow and encourages repeat purchases.
Eliminate the need for in-house net terms, collections, and aging A/R.
B2B BNPL gives your customers extended payment terms—while you get paid upfront and risk-free. Offer flexible terms at checkout while getting paid instantly—no collections, no delays, no friction.
Buyers spend more when flexible terms are available.
Remove financial friction and close deals faster.
Buyers who can manage cash more easily are more likely to stay.
Let eCapital handle the underwriting and repayment tracking.
Easily embed BNPL into your e-commerce platform or invoicing system.
No need for internal collections, invoice chasing, or terms negotiation.
B2B Buy Now, Pay Later (BNPL) is a flexible financing solution that allows business customers to purchase goods or services immediately and defer payment over time—while the supplier gets paid upfront. It improves purchasing power for buyers and accelerates cash flow for sellers, all without traditional credit lines or complex onboarding.
Ideal for businesses that sell to other businesses, BNPL increases sales velocity, removes friction at checkout, and creates a more competitive customer experience.
Have more questions? Our experts are here to make funding simple, clear, and stress-free.
Meet Our Experts
Clients choose eCapital when they need an engaged, solutions-oriented, long-term credit partner with proven capacity, creativity, and continuity. Our expertise is customization—whether on a $5 million or $150 million facility, employing a meticulous, hands-on strategies.
Our tight-knit group of financing experts are agile and client-centric, yet backed by extensive resources with the scale to conquer any challenge. This means we are going to be a better credit partner through every business cycle, bringing capabilities and passion—as patient, flexible problem-solvers—other providers simply do not have. Our track record speaks for itself.
"*" indicates required fields
It’s a payment option that allows business customers to defer payment over 30, 60, or 90 days—while the seller is paid immediately by the BNPL provider.
Sellers improve cash flow, eliminate credit risk, and close more deals by offering payment flexibility without taking on delayed receivables.
SaaS companies, wholesalers, e-commerce platforms, manufacturers, and any B2B company that offers or wants to offer net terms.
Yes, but it’s handled by the BNPL provider. The process is typically fast, simple, and non-intrusive for approved buyers.
No. Once the provider approves the buyer, the seller is paid in full upfront. Collections and repayment are managed by the provider.
Unlike traditional trade credit, BNPL shifts the payment risk and collections responsibility away from the seller to a third-party provider.
We’ve got a team of financing experts available to answer any questions you may have about B2B BNPL.
GET STARTED TODAY
Read our article Buy Now, Pay Later (BNPL): A Transformational Shift in Business Financing
All California loans made or arranged pursuant to a California Finance Lenders Law License, CA Copyright © 2025 eCapital. All Rights Reserved. eCapital is registered Trademark. Registration Number: 5,098,285
