Top 50 Bnpl Platform - Series B

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.

Aplazo is a payment network that enables consumers to make purchases by paying only 20 upfront and financing the remaining balance in installments, without the need for a credit card. This approach addresses the challenge of high upfront costs for consumers, allowing merchants to increase sales and enhance customer loyalty.

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.

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.

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.

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.

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.

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.

The startup operates an online payment platform that enables users to make secure transactions for services such as utility bills and entertainment through credit and debit cards, bank transfers, and digital wallets. By providing a reliable payment alternative, the platform simplifies the process of managing multiple payment types in one location.

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.

The startup develops a financial application that provides users with access to credit products, discounts, and cashback rewards from partnered brands. This platform enables customers to easily obtain credit and reduce their purchase costs, addressing the need for accessible financial services and savings in everyday transactions.

Provides B2B payment solutions that enable businesses to offer flexible payment terms, such as deferred payments, installments, and digital trade accounts, directly within their platforms. By streamlining cash flow with upfront payments and reducing operational risk through automated credit checks and invoice factoring, it helps businesses increase sales, improve purchase frequency, and simplify multichannel transactions.

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.

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.

Cashew is a payments platform that enables consumers to make purchases and pay for them in equal monthly installments, utilizing a straightforward installment payment model. This approach addresses the challenge of high upfront costs, allowing customers to manage their budgets more effectively while enhancing their purchasing power.

The startup offers a B2B payment platform that enables businesses to manage and process bills securely from a single interface. By providing real-time reminders and consolidated bill management, the platform enhances payment efficiency and reduces the risk of late fees for consumers.

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 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.

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.

Colendi offers embedded fintech services that provide micro-credit and investment solutions through a payment platform utilizing 3,500 data points and machine learning algorithms for dynamic scoring. This technology enables consumers and businesses to access interest-free micro-credit and flexible payment options, addressing the lack of accessible banking services for underserved populations.

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.

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.

Cushion is an AI-driven platform that organizes and tracks recurring expenses, including bills and subscriptions, by securely linking users' bank accounts and email. The service helps users avoid late fees and unnecessary charges by providing real-time payment notifications and facilitating the cancellation of unwanted subscriptions.

Kontempo is a B2B payments and credit platform that enables industrial businesses to offer their clients flexible payment options, including credit, through a branded online interface. By automating credit assessments and collections, Kontempo reduces the operational burden on companies while minimizing financial risk and improving cash flow.

The startup offers an online credit platform that digitizes loan financing for various needs, including car maintenance, business investments, and home improvements. By providing tools to manage overdraft and revolving credit card debt, the platform enables users to lower their financial burdens and access fair loan rates.

Uzum is a digital services ecosystem that integrates e-commerce, fintech, and banking solutions, providing a marketplace, express delivery, and a neobank to enhance online shopping and financial accessibility for individuals and SMEs in Uzbekistan. The platform addresses the challenges of limited access to diverse goods and efficient payment methods, enabling over 10 million users to streamline their purchasing and banking experiences.

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 personal finance platform that provides affordable financial products, including check cashing, custom loans, and debit cards, through a mobile application and financial card. By enabling users to manage their finances and build credit without incurring extra costs, the platform addresses the lack of accessible financial services for economically disadvantaged individuals.

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.

Sprinque is a B2B payments platform that enables merchants to offer flexible payment options, such as Net Payment Terms and installment plans, to international buyers while ensuring sellers receive instant payment. This approach eliminates the risks of late payments and cash flow issues, allowing businesses to focus on growth without the burden of payment-related administration.

The startup offers a B2B credit platform that utilizes advanced data analytics to assess creditworthiness and streamline the lending process for businesses. This solution addresses the challenge of inefficient credit evaluations, enabling faster access to financing and improved cash flow management for companies.

Walnut Financial provides a point-of-sale lending platform that facilitates affordable healthcare financing by enabling patients to access credit at the time of service. The platform also streamlines billing operations for healthcare providers, reducing administrative burdens and improving cash flow.

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.

The startup offers a sales acceleration platform that provides custom financing solutions to pre-qualified leads, integrating software management with financial services. By underwriting and issuing loans with flexible EMI options, the platform enhances cash flow for businesses, facilitating quicker deal closures.

Nelo provides a digital credit platform that enables consumers in Latin America to obtain immediate credit approvals and manage payments for services and purchases through a user-friendly app. By offering flexible repayment options and transparent terms, Nelo enhances consumers' purchasing power while helping them improve their credit history.

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.

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.

Salmon operates a licensed rural bank in the Philippines, utilizing AI-driven technology and a proprietary credit engine to provide consumer loans through its mobile app. The platform offers flexible financing options, including Salmon Credit and Salmon Financing, addressing the need for accessible credit solutions for Filipino consumers across over 2,000 retail locations.

Two is a fintech startup that provides a net terms infrastructure for B2B transactions, utilizing AI-driven credit and fraud engines to deliver credit decisions in under two seconds. This technology enables businesses to increase their average order value by 60% and achieve a 90% acceptance rate, addressing the need for flexible payment options in B2B sales.

Zebit offers a credit line of up to $1,500 for consumers with limited credit history, allowing them to purchase a wide range of products from electronics to home goods and pay over six months at 0% interest. This service addresses the challenge of affordability for customers who need immediate access to essential items but may not qualify for traditional credit options.

Tino is a B2B payments platform that provides SMB retailers with flexible payment options, allowing them to purchase from suppliers and defer payments while managing their cash flow effectively. By aggregating invoices into a single payment and offering extended credit terms, Tino simplifies financial management for small businesses.

The startup offers a cloud-based payment management platform that enables businesses to execute low-cost and rapid transactions while bypassing traditional banking hurdles. Its technology facilitates the authorization, editing, sending, and collection of payments, allowing for efficient financial management.

Brite provides instant payment and payout solutions through open banking, allowing users to complete transactions directly from their bank accounts without the need for cards or apps. This technology enables fast, secure remittances and refunds, addressing the inefficiencies and delays commonly associated with traditional payment methods.

PatientFi provides a digital financing platform that offers patients flexible monthly payment plans for elective health, beauty, and wellness procedures, enabling them to access treatments without upfront costs. By utilizing a holistic credit assessment approach, PatientFi increases approval rates and financing amounts, making elective care more accessible to a broader range of patients.

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 offers an e-wallet platform that enables merchants to accept digital payments directly from users' bank accounts, facilitating cashless transactions. This solution addresses the need for a seamless and efficient payment method in the growing cashless economy.

The startup offers a financial platform that facilitates in-store payment transactions through a customer-facing screen, allowing merchants to customize offers and loyalty points. This technology enhances customer engagement and streamlines the digitalization of financial transactions for businesses.

The startup offers a financial platform that converts future recurring revenue into upfront capital, enabling companies to access growth funding without incurring debt or equity dilution. This approach addresses the challenge of securing immediate financing for expansion while maintaining ownership and financial stability.

BVNK provides a payments infrastructure that integrates fiat and stablecoin transactions on a single platform, enabling businesses to send, receive, store, and convert currencies at high speed. This solution addresses the inefficiencies and delays in traditional payment systems, allowing for near-instant settlements and reduced transaction costs.

M2P Fintech provides a customizable API infrastructure for payments, lending, and banking services, enabling businesses to efficiently manage customer onboarding, compliance, and transaction processing. Their solutions facilitate the rapid deployment of financial products, addressing the need for secure and scalable financial services in a competitive market.