Balance
Balance is a B2B financial infrastructure platform providing AI-powered trade credit, embedded BNPL financing, and autonomous accounts receivable automation for B2B merchants, marketplaces, and buyers across ecommerce, wholesale, and industrial sectors.
- Company typePrivate
- Founded2020
- HeadquartersNew York, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Balance does
Balance (Balance Payments, Inc.) is a B2B financial infrastructure platform founded in 2020 and headquartered in New York, with an engineering and product hub in Tel Aviv. The company provides AI-powered trade credit, embedded B2B financing (BNPL), and autonomous accounts receivable automation for B2B merchants, marketplaces, and buyers across ecommerce, wholesale, manufacturing, retail, travel, and industrial sectors. Named customers include Instacart Business, Alibaba.com, B-Stock, Sony, GE, Upwork, Fiverr, US Electrical, FashionGo, and Pittsburgh Spray, spanning enterprise and mid-market segments.
The platform is built around an AI-native order-to-cash architecture featuring a proprietary underwriting engine that delivers real-time credit decisions and dynamically adjusts buyer credit limits, an MCP Server enabling AI agents to interact with payments infrastructure via natural language, and DSO Protection that guarantees seller payouts. Core products include Digital Trade Credit (net terms up to 90 days), B2B BNPL, Marketplace OS for multi-vendor transactions, and a B2B Payments Stack supporting ACH, wire, credit card, and global payments. Distribution occurs through direct enterprise sales, self-serve API and dashboard access, white-label embedded deployments, and pre-built integrations across Shopify, BigCommerce, Magento, and Shopware — the company states it is the only B2B financing provider available across all major ecommerce platforms. Certification includes PCI Service Provider Level 1 (via Stripe processing partnership).
Balance generates revenue primarily through transaction and financing fees on B2B payment volume and managed services for trade credit. Pricing is quote-based and undisclosed, typically structured around transaction volume and multi-year enterprise contracts. The company employs a hybrid go-to-market combining enterprise field sales with product-led self-serve onboarding. As of the latest disclosed funding events, the company has raised $87 million in equity (Series A $25M led by Ribbit Capital in 2021; Series B $56M led by Forerunner Ventures in 2022 with Salesforce Ventures and HubSpot Ventures participating) and secured a $350 million credit facility from Viola Credit in 2022 to fund trade financing at scale. The company operates with 51–100 employees across five countries and was recognized as one of CNBC's World's Top Fintech Companies 2025 and Tearsheet's Most Innovative Payments Award 2025.
Balance firmographics
Firmographics- Name
- Balance
- Legal name
- Balance Payments, Inc.
- Website
- https://getbalance.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Balance is a B2B financial infrastructure platform providing AI-powered trade credit, embedded BNPL financing, and autonomous accounts receivable automation for B2B merchants, marketplaces, and buyers across ecommerce, wholesale, and industrial sectors.
- Ownership category
- akta.pro rank
Balance industry classification
Industry- Product category
- B2B Payment Infrastructure
- NAICS
- Sales Financing (52222), Activities Related to Credit Intermediation (5223), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159), Finance Services (6199)
- akta.pro primary industry
- B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)
- akta.pro secondary industries
- Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC), Biller Direct EBPP Platforms (FSAMAJAA), Real-Time Payments Clearing (Instant Payment Schemes) (FSABAJAI)
Keywords
Where Balance is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Balance business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Transaction/Financing Fees: Revenue generated from processing B2B payments and financing transactions. Balance provides working capital to buyers while paying sellers upfront, earning fees on the differential and transaction volume.
- Trade Credit Services: Revenue from extending trade credit and net terms to B2B buyers, including instant credit decisions and credit limit management services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Multi-year contract | Custom enterprise pricing based on transaction volume and service requirements |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels6 records
Balance product offering
Product offeringCore offering
Balance provides an AI-powered B2B financial infrastructure platform that enables merchants and marketplaces to offer digital trade credit, embedded B2B BNPL, multi-payment-method processing, and autonomous accounts receivable automation. The platform extends instant credit decisions with up to net 90 days payment terms, guarantees seller payouts via DSO Protection, and automates the full invoice-to-cash cycle for B2B commerce.
Product overview
Balance is a B2B financial infrastructure platform providing a modular architecture of products centered around the Order-to-Cash platform and Digital Trade Credit core. The platform consists of Digital Trade Credit (AI-powered trade credit with up to net 90 days), B2B Payments Stack (same-day ACH, wire, credit cards, global payments), Marketplace OS (multi-vendor marketplace payments), and the Order-to-Cash suite (Invoicing, Collections, Cash Application). Additional offerings include Pay-By-Invoice, B2B BNPL, DSO Protection, and MCP Server for AI agent integration. These products work together to automate the full invoice-to-cash cycle while enabling flexible B2B payment options including net terms, BNPL, and multiple payment methods.
Differentiator
Problem solved
Functional benefit
Brands
- Pay-By-Invoice: B2B payment solution allowing buyers to pay via invoice
- B2B BNPL
- Order-To-Cash
- MCP Server
- DSO Protection
Products and services
- Digital Trade Credit
Quantifiable outcome
- 73% of buyers would abandon purchase with checkout friction
- +8 more outcomes
Companies that use Balance
Customer profileNamed customers12 records
Segments7 records
Ideal customer profiles3 records
Balance technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability8 records
Feature8 records
Balance partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- ShopwarecoreStrategic partnership enabling Shopware merchants in North America to implement pay-by-invoice and BNPL programs, reducing checkout friction and increasing conversion rates. Balance's integration allows merchants to offer flexible payment options aligned with buyers' cash flow cycles.
- B-StockcorePartnership with B-Stock, the world's largest B2B recommerce platform, to offer flexible payment terms to business buyers. Integration provides eligible buyers with 30-day payment terms and AI-powered instant credit decisions. Includes DSO Protection for guaranteed fund protection.
- Alibaba.comcorePartnership to launch 'Pay Later for Business' on Alibaba.com for U.S. SMEs. Balance's AI risk infrastructure delivers real-time credit decisions and high approval rates for small and medium enterprises. Enables instant credit at checkout.
- Instacart BusinesscorePartnership to power embedded invoicing and net terms for business customers on Instacart Business platform. Enables organizations to pay and manage purchases through streamlined invoicing, retaining existing customers and driving new customer growth.
- BigCommercecoreBalance integration available on BigCommerce B2B Edition platform. Enables BigCommerce merchants to embed B2B financing directly within their ecommerce sites, offering secure and convenient financing options. Balance is the only B2B financing solution available on all major ecommerce platforms.
- Magento (Adobe Commerce)coreBalance's integration with Magento/Adobe Commerce enables merchants to offer net terms, multi-payment method support, and automatic reconciliation. Built-in checkout and financing can be implemented in just a few hours.
- CodalminorCodal, an award-winning ecommerce agency and BigCommerce Agency Partner of the Year, built the Balance app available on BigCommerce.
- GuidanceminorGuidance, a technology consulting firm, provides technical expertise for Balance's Magento integration implementations.
Scale indicators15 records
Recent moves6 records
Expansion highlights7 records
Balance competitors and assessment
Company assessmentEmerging players
- HighRadius: HighRadius provides AI-powered Order-to-Cash automation (invoicing, collections, cash application, credit management) for enterprises. It competes with Balance's Order-to-Cash / AR automation product, primarily at the enterprise/mid-market tier.
Others
- Plaid: Plaid supplies Balance's bank-account connectivity (ACH/RTP). Plaid is also expanding into credit and cash-flow underwriting products that could compete with Balance's AI-native underwriting layer over time.
Broad incumbents
- Affirm: Affirm, the largest BNPL provider in the US, has expanded into B2B (Affirm Business) and offers pay-over-time at checkout. While primarily B2C, its scale, brand, and balance sheet make it a credible incumbent expanding into Balance's territory.
- Stripe (Stripe Capital): Stripe both powers Balance's card processing and competes via Stripe Capital, which extends working-capital financing to businesses using Stripe. Stripe's merchant relationships and balance sheet make it the most strategically threatening peer.
Direct peers
- Pipe: Pipe provides revenue-based financing and capital products to SaaS and B2B businesses, including trading-recurring-revenue contracts. It competes for the same SMB and mid-market financing wallet that Balance targets.
- TreviPay: TreviPay is a B2B trade credit and embedded payments network used by global enterprises to extend net terms to buyers. It is the most direct competitor to Balance's Digital Trade Credit and B2B BNPL products across enterprise buyers and marketplaces.
- Billie: Billie is a Berlin-based B2B BNPL provider offering invoice-based financing for SMB buyers via embedded checkout. It competes head-to-head with Balance on instant credit decisions and net terms at checkout for European and global B2B merchants.
- Parafin: Parafin offers embedded capital products (working capital and term loans) to SMBs via marketplaces and software platforms — a direct competitor to Balance's marketplace and platform-embedded financing use cases.
- Resolve: Resolve offers B2B buy-now-pay-later and net-terms financing embedded into ecommerce checkout, directly competing with Balance's B2B BNPL and Digital Trade Credit offerings for SMB and mid-market merchants.
- Karmen: Karmen provides embedded B2B financing (instant lending and deferred payment) for SaaS and B2B platforms, overlapping directly with Balance's embedded financing and Order-to-Cash automation offerings.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Balance social profiles
Digital presenceBalance compliance and trust
Trust signalCompliance1 record
Balance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Balance leadership team
Management profileNumber of profiles
Profiles4 records
Balance funding detail
Funding detailFunding overview
Funding rounds5 records
Investors17 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Balance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Balance
What does Balance do?
Balance provides an AI-powered B2B financial infrastructure platform that enables merchants and marketplaces to offer digital trade credit, embedded B2B BNPL, multi-payment-method processing, and autonomous accounts receivable automation. The platform extends instant credit decisions with up to net 90 days payment terms, guarantees seller payouts via DSO Protection, and automates the full invoice-to-cash cycle for B2B commerce.
Is Balance a public or private company?
Balance is a private company. It is classified as venture growth investor backed and is currently operating.
When was Balance founded?
Balance was founded in 2020. It employs 101 to 250 people.
Where is Balance based?
Balance is headquartered in New York, United States, in the North America region.
How does Balance make money?
Two revenue lines are on record. Transaction/Financing Fees are the primary driver. The others are trade Credit Services.
Who are Balance's main competitors?
HighRadius is listed as an emerging player. Plaid is listed as an others. Broad incumbents are Affirm and Stripe (Stripe Capital). Direct peers are Pipe, TreviPay, Billie, Parafin, Resolve and Karmen.
Does Balance have an API?
Yes. Balance offers a public API enabling developers to integrate B2B payment capabilities including checkout SDK, net terms qualification, invoicing, and payment processing. The API supports integration with ecommerce platforms and ERP systems. A sandbox environment is available for testing and evaluation. The Balance MCP Server enables AI agents to interact with Balance's APIs using natural language for tasks such as credit checks, payment management, and customer onboarding. Developer documentation is at www.getbalance.com/get-api.
What industry is Balance in?
Balance's product category is B2B Payment Infrastructure. Its primary akta.pro industry code is FSAGAIAC, B2B / Invoice-Based BNPL (Trade Credit at Checkout), with a secondary code of FSAGAJAC, Invoicing, Billing & Accounts Receivable Automation. Its NAICS code is 52222 and its SIC code is 6153.