Balance · Mar 2026
Balance and Shopware announced a partnership that lets merchants offer pay-by-invoice and B2B BNPL inside checkout and buyer portals without building credit, billing, or collections in-house.
The first digital payment experience company, built for B2B.
Public company, workplace, funding, and market signals
Balance is an AI-native financial infrastructure company for physical B2B trade, providing embedded payments, digital trade credit/net terms, B2B BNPL, and autonomous accounts receivable automation so merchants and marketplaces can grow sales, get paid faster, and reduce operational overhead.
Primary product
AI-native B2B financial infrastructure for embedded payments, digital trade credit, and accounts receivable automation
Founded
2020
Headquarters
New York, United States
Team size
51-200 employees
Industry
Technology, Information and Internet
Sub-industry
B2B payments / financial infrastructure
Offices
0 jobs at Balance
Check back later for new openings
Business model
Stage
Series B
Total raised
$436.6M
Latest round
Debt financing · Nov 2022
Latest amount
$350M
Leadership
Co-Founder and CEO
Co-Founder and CTO
VP of Marketing
VP Risk and Analytics
VP Sales & Account Management
VP HR
Director of Engineering
Public messaging emphasizes speed, impact, collaboration ('One Team'), positivity ('Be the Light'), and a global team of doers spread across 5 countries.
Pricing
Custom enterprise pricing with transaction/financing fees; financing charges are shown at checkout and paid by the buyer in at least some product flows.
Differentiators
Technology
Customers
Competitors
Estimated revenue
$10M
Estimated monthly visits
44.1K
Traffic estimate as of Apr 2025
Balance · Mar 2026
Balance and Shopware announced a partnership that lets merchants offer pay-by-invoice and B2B BNPL inside checkout and buyer portals without building credit, billing, or collections in-house.
Balance · Oct 2025
Balance launched a beta MCP Server that lets AI agents communicate with its payments, credit, and receivables APIs, extending its agentic-commerce product line.
Balance · Jul 2025
Balance said CNBC and Statista recognized it again as one of the world’s top fintech companies in Payments.
Balance · Jun 2025
Balance and Alibaba.com launched Pay Later for Business, giving eligible U.S. SMEs instant credit at checkout and embedding underwriting, collections, and reconciliation.
Balance · May 2025
Balance launched Instant Bank Connection powered by RTP rails to simplify ACH setup, speed payments, and reduce processing costs.