Balance

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.

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

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

• B2B payment platform
• Trade credit solutions
• Embedded financing
• Accounts receivable automation
• B2B BNPL

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. 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.
2. 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

Go-to-market motion4 records

Distribution channels5 records

Marketing channels6 records

Core 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

Named customers12 records

Segments7 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability8 records

Feature8 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• ShopwarecoreStrategic or Co-development Partner · 26 March 2026Strategic 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-StockcoreStrategic or Co-development Partner · 14 October 2025Partnership 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.comcoreStrategic or Co-development Partner · 26 June 2025Partnership 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 BusinesscoreStrategic or Co-development PartnerPartnership 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.
• BigCommercecoreTechnology or IntegrationBalance 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)coreTechnology or IntegrationBalance'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.
• CodalminorImplementation/ SI/ Consulting PartnerCodal, an award-winning ecommerce agency and BigCommerce Agency Partner of the Year, built the Balance app available on BigCommerce.
• GuidanceminorImplementation/ SI/ Consulting PartnerGuidance, a technology consulting firm, provides technical expertise for Balance's Magento integration implementations.

Scale indicators15 records

Recent moves6 records

Expansion highlights7 records

Emerging 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

• Xx.com/GetBalanceHQ
• LinkedInlinkedin.com/company/getbalance
• Facebookfacebook.com/GetBalanceHQ

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds5 records

Investors17 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Balance