Glossary: B2B financing

What is B2B financing?

B2B Financing, or Business-to-Business Financing, refers to financial arrangements and loans specifically designed to meet the funding needs of businesses engaging in transactions with other businesses. This type of financing is essential in ensuring that companies can maintain cash flow and strengthen their supply chain operations without the constraints of immediate capital availability.

Challenges retailers face with B2B financing provision

B2B financing usually offers net terms spanning 30, 60, or 90 days. While such programs suit the requirements of enterprise customers, they do not align with the needs of small and medium-sized businesses (SMBs). SMBs require terms that extend beyond 90 days and seek instant credit decisions at the point of sale. When considering POS finance for SMBs, there are many factors that merchants have to overcome to build a comprehensive B2B financing strategy, from the complexity of large transactions to risk and compliance assessment.

How ChargeAfter helps merchants with their B2B POS finance

Tailored POS lending solutions that address the needs of SMBs including extended terms and availability at the point of sale, are increasingly becoming available. ChargeAfter’s network of lenders includes leading B2B financing providers. The embedded lending platform is easy for merchants to integrate and enables end-to-end management of the B2B financing process, including analytics and lender communication.