Top 50 Bnpl Platform - Series B

Optty provides a financial software platform that integrates a buy now pay later (BNPL) option through a single developer-friendly API, enabling e-commerce sites to implement multiple payment methods quickly. This solution addresses the complexity of managing individual BNPL integrations, allowing businesses to enhance conversion rates and attract a broader customer base by offering flexible payment options.

valU is a fintech platform that offers buy now, pay later (BNPL) solutions with customizable financing plans for up to 60 months at over 6,000 retail locations and 1,500 online stores in the MENA region. The platform addresses the need for flexible payment options, enabling consumers to manage their purchases and cash flow effectively while also providing investment and savings solutions.

Zebit operates an e‑commerce marketplace featuring more than 1,500 name‑brand products with an integrated buy‑now‑pay‑over‑time (BNPL) engine. Shoppers receive instant, pre‑approved credit limits and can repay purchases in fixed, interest‑free installments, while merchants embed the financing option via API to boost conversion. The platform handles automated underwriting, PCI‑compliant payment processing, and provides a user dashboard for real‑time balance tracking.

Provides a white-label embedded finance platform that enables SaaS businesses to integrate payments, lending, insurance, and Buy Now, Pay Later (BNPL) solutions through a low-code API. This streamlines revenue generation by offering fully customizable financial products with 100% pass-through bank pricing, allowing platforms to retain a larger share of transaction-related income.

The startup offers a B2B payment platform that integrates an instant buy now pay later option at checkout, enabling merchants to provide immediate financing to customers. By assuming credit risk and managing loan servicing, the platform enhances sales and conversion rates for merchants through streamlined financing approval processes.

Growsari is a tech-enabled B2B platform that connects small and medium-sized enterprise (SME) retailers with fast-moving consumer goods (FMCG) suppliers, facilitating efficient inventory management and procurement. The platform addresses the challenges of supply chain access and financial constraints for retailers by offering a comprehensive app for purchasing goods, managing bills, and providing a Buy Now, Pay Later option.

Resolve is a B2B payments platform that offers buy now, pay later options for business purchases, enabling companies to spread costs over time. This approach alleviates the burden of upfront payments, allowing businesses to acquire essential goods and services without immediate financial pressure.

MoMo is a mobile digital wallet that unifies QR/VietQR payments, bill settlement, peer‑to‑peer transfers, and group‑fund management across more than 30 Vietnamese banks. Its AI engine categorizes transactions, generates spend dashboards, and recommends credit, insurance and BNPL products, while providing merchants with an integrated checkout API and real‑time analytics.

Akulaku is a digital finance platform that offers virtual payment services, including Buy Now Pay Later and cash loan products, to enhance consumer purchasing power in Southeast Asia. The platform utilizes machine learning and facial recognition technology to streamline transactions and improve risk management for over 10 million users and 90,000 merchants.

Sezzle offers a buy now, pay later platform that allows consumers to make purchases in four interest-free installments over six weeks, providing a flexible alternative to traditional credit options. This solution addresses the need for accessible financing by enabling users to shop at major retailers without incurring interest or hidden fees.

This startup operates a credit-led neobank platform that provides credit access to the unbanked population through partnerships with banks and financing partners. By offering pay-later products for an annual fee, users can easily manage expenses while earning cashback, vouchers, and transaction insights.

The startup offers a financial application that enables consumers to make purchases online using customized installment plans, either interest-free or interest-bearing, as an alternative to traditional credit and debit options. By providing merchants with tailored payment solutions at checkout, the platform enhances consumer purchasing power while minimizing upfront costs.

The startup offers a lending-as-a-service platform that provides white-label merchant cash advances and other financial products to revenue-generating merchants on digital platforms. Its technology includes KYC and AML compliance, credit scoring, risk management, and loan origination, enabling marketplaces and payment providers to efficiently deliver tailored lending solutions to their merchants.

The startup offers an online financing platform that provides collateral-free short-term loans specifically designed for small and medium enterprises. By facilitating access to working capital and trade financing, the platform enables businesses to enhance their growth potential and capitalize on immediate opportunities.

FlapKap offers a revenue-based financing platform that provides e-commerce and SME businesses with quick access to working capital by leveraging their future revenues as collateral. This solution addresses cash flow challenges by allowing businesses to receive funding within 48 hours, with repayments tied to their revenue performance.

Spendwisor is a mobile payment and POS application that enables users to make purchases using QR codes while offering a Buy Now Pay Later option with no interest or hidden fees. The platform also features a personal finance manager and cashback rewards, allowing users to track expenses and earn benefits from their transactions.

Provides an AI-powered smart wallet app that enables users to access $10 to $1,000 in instant cash advances from verified bank deposits without credit checks, interest, or due dates. It addresses the need for quick financial relief during emergencies by offering seamless fund transfers, budgeting tools, and credit monitoring within a secure, user-friendly platform.

Mondu provides an embedded B2B payment platform that adds invoice and installment financing to checkout flows, allowing buyers to pay on net‑30/60 terms or split installments while merchants receive full payment instantly. The service uses real‑time credit underwriting via machine‑learning risk scores and automates invoicing, payment scheduling, and collections through a RESTful API and plugins for major e‑commerce and ERP systems. A merchant dashboard delivers transaction analytics, risk alerts, and reconciliation tools.

The startup offers an online fintech platform that enables customers to split their payments into four equal installments without incurring fees or interest. This solution allows users to manage their cash flow more effectively when purchasing products online or offline.

The startup offers a loan application platform that connects entrepreneurs directly with capital providers, bypassing traditional banking processes. By reviewing loan applications within twenty-four hours and providing repayment terms of three to six weeks, it enables quick access to working capital for businesses.

The startup offers an online lending platform that provides freelancers with access to bank credit through instant identity verification and digital loan contract signing. This service enables freelancers to secure financing at fair interest rates, addressing the challenge of obtaining reliable credit for project funding.

8fig provides a customizable funding platform powered by AI technology, specifically designed for eCommerce brands to create and adjust cash flow plans based on their unique supply chain needs. By offering equity-free capital and real-time funding adjustments, 8fig enables sellers to optimize inventory management and enhance profitability without the burden of credit checks or collateral.

Katapult is an omnichannel point-of-sale payment platform that offers lease-to-own payment plans without requiring credit checks, enabling consumers to acquire products immediately while making manageable payments. The platform simplifies the purchasing process for retailers and customers by providing transparent payment options and quick approval decisions, addressing the need for accessible financing solutions.

Kueski provides a fully digital platform that issues unsecured personal loans up to MXN 25,500 to Mexican consumers in minutes, using alternative data and real‑time risk scoring without credit‑bureau checks or collateral. It also offers Kueski Pay, an API‑driven buy‑now‑pay‑later widget that lets e‑commerce merchants extend split‑payment financing at checkout, with instant fund transfers and automated repayment collection. The company earns revenue from interest spreads on loans and transaction fees charged to merchants.

The startup offers an online lending platform that provides unsecured loans based on a borrower’s credit score, loan amount, and term. This service enables customers to access credit quickly and easily, addressing the challenge of obtaining loans without the need for collateral.

The startup operates a B2B finance services platform that provides invoice financing, enabling businesses to access credit and short-term loans while spreading invoice costs over several months. This flexible payment solution enhances cash flow and allows clients to attract new customers by offering adaptable payment options.

The startup operates an invoice-discounting platform that connects micro, small, and medium-sized enterprises with individual financiers, enabling businesses to access working capital by selling unpaid receivables. This approach eliminates the need for collateral, allowing companies to secure immediate funding to support their growth.

The startup operates a revenue-based financing platform that provides flexible funding solutions for digital businesses and SMEs with recurring revenues. By partnering with non-banking financial institutions and high net worth individuals, it enables these businesses to access growth capital for marketing, inventory, and capital expenditures without the constraints of traditional loans.

Migo provides an embedded lending platform that utilizes a simple API to facilitate microfinance and credit services for banks, merchants, fintechs, and telcos. This technology enables businesses to offer flexible credit options, such as buy now, pay later, thereby enhancing customer access to financial services and driving sales growth.

Provides a point-of-sale financing platform that integrates with business software to offer customers transparent, real-time payment options for services like home repair, dental, and veterinary care. By enabling instant credit decisions and 0% APR plans up to 24 months, it helps businesses increase sales while offering consumers a manageable way to pay for essential services without hidden fees or paperwork.

Blnk offers a mobile application that provides instant consumer credit approval in minutes using only a National ID, enabling users to finance purchases directly at retail locations without the need for extensive documentation. This service addresses the lack of accessible financing options for consumers in Egypt by offering inclusive programs with no application fees and flexible repayment terms of up to 36 months.

The startup operates a digital lending platform that utilizes artificial intelligence and big data analytics to evaluate customer credit risk. By offering consumer and small business loans, it provides accessible financing solutions for small business entrepreneurs who face challenges in obtaining traditional loans.

The startup offers a purchase credit platform that provides low-income consumers without bank accounts access to credit at retail points of sale, eliminating hidden fees and high interest rates. This enables consumers to achieve personal financial goals while allowing retailers to offer a secure, risk-free payment alternative.

Fairbanc is an AI-driven mobile platform that provides flexible financing solutions for SMEs in emerging markets, enabling instant payment terms and revolving credit based on real-time business data. This approach addresses cash flow shortages and enhances sales growth within supply chain ecosystems, particularly for underserved businesses.

True Balance is a digital platform that offers instant personal loans ranging from ₹5,000 to ₹1,25,000, utilizing a paperless process and minimal documentation for quick disbursal. The application addresses the need for immediate financial support by providing hassle-free access to cash for users facing financial emergencies.

GetVantage is a fintech platform that provides equity-free working capital up to ₹20 crore through a streamlined, data-driven funding process that integrates with businesses via a single API. The platform offers real-time business intelligence and optimization tools, enabling startups and MSMEs to focus on revenue growth without the burden of repayment obligations.

The startup offers a cash flow financing management platform that enables small and medium-sized enterprises to access immediate funds by withdrawing advances from their debtors. This system allows businesses to repay through direct debit once payments are received, charging a single transparent fee per transaction, thus eliminating the wait for debtor payments.

Hokodo provides buy now, pay later solutions specifically designed for B2B e-commerce, offering flexible payment terms such as 30, 60, or 90 days and installment options. This service enhances the checkout experience for B2B buyers, increasing conversion rates and average order values while ensuring merchants receive full payment upfront.

Kissht is a financial technology platform that offers instant personal loans ranging from ₹30,000 to ₹5,00,000 through a fully digital process, enabling disbursement within five minutes and requiring no physical documentation. The platform addresses the need for quick and accessible credit solutions for consumers, facilitating direct bank transfers to enhance financial flexibility.

Baubap is a microlending platform that utilizes mobile technology to provide personal loans ranging from $500 to $5,000 MXN without requiring credit history or income verification. By streamlining the loan application process through a mobile app, Baubap enables users to receive instant approvals and access funds within minutes, addressing the need for accessible financial solutions for individuals without traditional credit backgrounds.

Dinie provides embedded lending services for B2B platforms, enabling businesses to offer customized credit products and payment solutions to their clients without the need for banking infrastructure. By leveraging a simple API integration, Dinie allows partners to enhance customer engagement and generate new revenue streams through accessible financing options.

mPokket is a mobile platform that connects lenders and borrowers through a streamlined digital interface, facilitating quick access to personal loans. The service addresses the need for immediate financial support by providing users with a simple application process and rapid loan disbursement.

This startup provides financial services that enable small to medium-sized enterprises to access capital quickly through an online application for funding advances. Businesses can repay the funds on a flexible schedule—daily, weekly, or monthly—facilitating their growth and operational needs without lengthy approval processes.

The startup offers a financial platform that analyzes sales history to identify growth potential and provides performance-based credit to clients. This model enables businesses to access capital for sales advancement in exchange for a share of their revenues until the capital is repaid, plus a fixed service fee.

Canopy Servicing offers a highly configurable loan management platform that enables businesses to create tailored lending products with customizable policies, interest rates, and payment plans. The platform automates workflows and communications, improving operational efficiency and borrower engagement while providing real-time insights for better decision-making.

The startup operates an online lending platform that utilizes a proprietary model to minimize non-performing asset (NPA) rates, making credit more accessible for small and medium enterprises. By leveraging engineering finance principles, the platform enables faster and more flexible loan approvals, facilitating convenient purchasing decisions for businesses.

This startup operates an online loan marketplace that enables individuals and small businesses to compare loans, credit cards, and financial products from multiple banks and institutions. By providing a user-friendly platform and personalized support, it simplifies the process of accessing financial services, making it easier for customers to secure loans.

Unit provides a platform that enables tech companies to integrate banking and lending features, such as accounts, payments, and cards, directly into their products through customizable APIs and no-code solutions. This allows businesses to enhance customer retention and increase revenue per user by offering financial services that meet their users' needs.

PayRight is an online platform that offers flexible payment plans, allowing users to finance purchases up to $20,000 over terms ranging from 3 to 36 months. By enabling customers to manage their spending through structured installment payments, PayRight addresses the challenge of affordability for larger purchases.

OneBlinc is an online lending platform that provides instant cash advances and innovative loan options specifically for public and health employees, as well as the general public. By offering tools like Blinc Advance and Blinc Boost, OneBlinc helps users manage unexpected expenses and build credit history, reducing reliance on traditional banking services.