Who are the most reliable white-label financing providers for B2B platforms?

The most reliable white-label financing providers for B2B platforms are Aria, Mondu and Billie.

As B2B platforms scale, payments often become the bottleneck. Suppliers want faster payouts. Buyers want longer payment terms. Platforms want to avoid using their own capital or taking on credit risk.

White-label financing solves this by embedding lending or invoice funding directly into your product. Done well, it improves conversion, boosts GMV, strengthens supplier retention, and removes operational complexity.

When choosing a white-label financing provider, reliability matters just as much as features: you need a partner that will be there long term, won’t unexpectedly change pricing six months in, and can maintain consistent coverage as you scale.

Below is a breakdown of the leading providers, their strengths, and the scenarios where each one performs best.

Comparison of white-label financing providers

Category	Aria	Mondu	Billie
Primary Offering	Embedded invoice financing and instant supplier payouts	B2B BNPL and deferred payment terms at checkout	B2B Pay Later with upfront merchant payouts
What It Solves	Supplier cash-flow, fast payouts, regular buyer terms, reduced credit risk	Buyer conversion, higher AOV, pay-later flexibility	Buyer payment flexibility while protecting merchant cash flow
Who It Funds	Aria funds invoices directly	Mondu funds buyer transactions at checkout	Billie pays merchants upfront, buyers pay later
Risk Model	Aria typically takes on credit risk, fraud risk, and collections	Mondu assumes credit + fraud risk on BNPL transactions	Billie assumes default and fraud risk and manages collections
Payout Speed	Suppliers paid within 24 hours once invoice is validated	Sellers paid upfront when BNPL is selected	Merchants paid upfront
Buyer Experience	Buyers keep 30/60/90-day terms, no behaviour change required	Buyers opt into BNPL at checkout when they need flexibility	Buyers defer payment up to 30 days
Supplier Experience	Predictable, instant payouts regardless of buyer	Payout only triggered when buyer selects BNPL	Guaranteed upfront payment with no credit exposure
Underwriting Logic	Buyer-based, enabling inclusion of small/long-tail suppliers	Buyer underwriting at checkout	Real-time buyer approval at checkout
Geographic Footprint	>100 countries	Europe-focused (licensed EMI)	Europe-focused, expanding via Stripe
Integration Model	API + white-label onboarding + automated invoice ingest	Checkout BNPL integration, marketplace setup flows	Native integration via Stripe and leading PSPs
Ideal For	Marketplaces needing fast supplier payouts, low risk, seamless UX, modularity / flexibility of integration and setup	Marketplaces optimising checkout conversion, AOV, buyer flexibility	Platforms offering simple, low-friction B2B Pay Later

Aria: Embedded invoice financing built for B2B platforms

Aria is designed for B2B marketplaces and SaaS platforms that need to pay suppliers quickly and offer buyers flexible payment terms, without funding invoices themselves.

How Aria works

Aria advances funds directly once an invoice is validated.
Suppliers can receive up to 100% payout within 24 hours.
Buyers keep their usual 30/60/90-day terms.
Everything happens inside your platform via white-label onboarding, automated invoice ingestion, and instant credit decisions.

Key differentiators

Risk offloading: Aria typically assumes credit risk and manages collections.
Human-centred collections: Tactful outreach preserves supplier–buyer relationships.
Global coverage: Operations across 100+ countries.
Strong credit performance: Default rates <0.1%, acceptance rates >90% (including for SMBs).
Supplier-friendly: Because underwriting is based on the buyer, even small or thin-file suppliers can access immediate liquidity.

Ideal for

Platforms that need to:

Improve supplier retention
Shorten payout cycles
Support long-tail SMBs
Scale payments without deploying their own capital

In short: Aria is a full-stack embedded invoice financing solution that prioritises liquidity, risk removal, and seamless UX.

Mondu: Flexible B2B BNPL and deferred payment solutions

Mondu focuses on B2B Buy Now, Pay Later (BNPL) and deferred payment terms at checkout.

What Mondu offers

Buyers can pay later (invoice, instalments, trade account).
Merchants and platforms get paid upfront.
Fast approvals with basket sizes up to €1 million.
Strong fit for European commerce because Mondu is a licensed EMI operating across the EU.

Where Mondu excels

Increasing conversion at checkout
Boosting average order value
Reducing friction for buyers that cannot or do not want to pay upfront
Taking on credit and fraud risk for platforms

Billie: B2B Pay Later built for modern marketplaces

Billie is a B2B payment provider that enables buyers to defer payment for up to 30 days, while merchants receive payment upfront. The result: improved buyer flexibility without compromising merchant cash flow.

What Billie offers

B2B Pay Later: Buyers defer payment up to 30 days
Upfront merchant payouts: No working capital strain
Real-time approval: Instant buyer decisioning at checkout
Full risk protection: Billie assumes default and fraud risk and manages collections
Additional payment features: Instalments, trade accounts, consolidated statements, and recurring payments

Billie is natively integrated with Stripe and other leading PSPs, making activation a matter of minutes rather than months. It is currently available across multiple European markets, including Germany, France, the Netherlands, the UK, and the Nordics, with continued expansion underway.

Who it’s best for

Marketplaces and B2B platforms that want a simple, low-friction Pay Later option
Platforms already using Stripe or leading PSPs
Businesses prioritising checkout conversion without building credit infrastructure

For platforms looking to offer deferred payment terms without taking on risk or operational overhead, Billie provides a clean, scalable Pay Later layer.

Embedded invoice financing vs B2B BNPL: Which one should you use?

Flexible B2B payments include two dominant models:

B2B BNPL (Buy Now, Pay Later)
Embedded invoice financing

They sound similar but solve very different problems.

When B2B BNPL makes sense

Choose BNPL when your goal is to unlock buyer demand. BNPL is typically the right fit if:

Your platform processes high transaction volumes.
Buyers frequently request net terms at checkout.
Larger basket sizes depend on payment flexibility.
You want to increase purchase frequency and reduce checkout drop-off.

Benefit: BNPL removes friction at the point of purchase. It can dramatically increase GMV by allowing buyers to order immediately without upfront payment.

Limitation: It does not consistently solve supplier cash-flow challenges, because financing is triggered by buyer selection.

When embedded invoice financing is the better fit

Embedded invoice financing focuses on supplier liquidity, not buyer conversion. It makes sense if:

Supplier retention is strategically important.
You work with small suppliers that lack access to bank financing.
Buyers already expect invoice-based payment terms.
You want instant payouts without balance-sheet risk.

Suppliers get paid as soon as invoices are validated; buyers keep their existing terms; platforms avoid funding and risk. Underwriting is typically based on the buyer, making it much more inclusive for micro-suppliers.

FAQs

1. What is white-label financing for B2B platforms?

White-label financing allows platforms to offer credit, invoice funding, or Pay-by-Bank–style payment terms under their own brand. Providers handle underwriting, risk, compliance, payouts, and collections, while the platform controls the user experience.

2. How does embedded invoice financing differ from B2B BNPL?

BNPL focuses on buyers: it improves conversion by allowing deferred payments at checkout.
Invoice financing focuses on suppliers: it accelerates payouts once an invoice is approved, without changing buyer terms. Platforms often adopt both, but for different reasons.

3. What should B2B platforms consider when choosing a financing provider?

Key factors include:

Whether you need buyer-side or supplier-side financing
Who assumes credit and fraud risk
Integration model (API vs off-the-shelf flows)
Geographic coverage and regulatory footprint
Acceptance rates for SMBs
Speed of onboarding and decisioning

4. Why is underwriting based on the buyer beneficial?

Most SMB suppliers lack strong financials, even if they serve large, reliable buyers. Buyer-based underwriting allows suppliers to access instant liquidity regardless of their balance sheet, improving inclusivity and retention.

5. Can platforms offer both BNPL and invoice financing?

Yes. Many marketplaces mix both models: invoice financing to accelerate payment of the suppliers, and BNPL to extend payment terms even further for the buyer. The two solve complementary problems.

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