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BNPL (B2B)

Get Paid Upfront.
Offer Your Customers Flexibility.

Let customers pay in 30–120 days while you get paid immediately. B2B BNPL accelerates your cash flow, boosts sales, and protects relationships without taking on risk.

Find your funding

Quick Snapshot

Advance Range

£10,000 – £2,000,000

Term

30 – 120 days

Typical Fee

2 – 6% of invoice

Security

Typically unsecured

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What Is B2B Buy Now, Pay Later?

B2B BNPL lets your business customers spread payments over 30 to 120 days while you get paid immediately by the BNPL provider.
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It reduces friction in your sales process and gives you working capital certainty. You issue an invoice; the lender pays you (often within 24 hours) and collects from your customer later.

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Why Choose B2B BNPL?

Get paid faster 24–48h from invoicing
Offer terms without risk – lender handles collections
Boost sales conversions – help customers manage cash flow
Protect relationships – no chasing payments
No extra collateral – typically unsecured
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Is it right for me?

Best when you:
Have seasonal or uneven revenue
Need working capital you can control
Want to avoid multiple applications
Think twice if:
Need a single upfront sum (consider Fixed-Term Loans)
Can’t confidently manage short-term repayments
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Is it right for me?

Best when you:
Sell to other businesses on invoice terms
Want to accelerate cash flow and close more deals
Think twice if:
Rely mainly on upfront payments
Don’t want a third party involved in billing

Freqently asked questions

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How fast can I get paid?

Usually within 24–48 hours of invoice submission.

Do I need to change my invoicing system?

No. Most providers integrate easily or act as a plug-in.

What does it cost?

Fees range from 2–6% depending on term and customer risk.

Do I still manage the customer relationship?

Yes. You stay in control of branding and communication.

Does this affect my customer’s credit file?

Sometimes. Providers disclose terms clearly and handle compliance.

Ready to Offer Flexible Terms and Get Paid Faster?

Find Your Funding
Contact:
hello@risecap.co.uk
0203 089 7919
Address:
25 Green Street, Mayfair, London, W1K 7AX
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Risecap Ltd (Company no. 11203916) Data Protection Number ZA553906. The registered address is 1st Floor 8-12 London Street, Southport, Merseyside, United Kingdom, PR9 0UE. Risecap is a credit broker and not a lender.
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We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow. In some circumstances, we do not receive any commission or fee from the lender, we will detail the commission or fee scenario throughout your customer journey
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