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.
Company research
Public company, workplace, funding, and market signals
Overview
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
New York, New York, United States
San Francisco, California, United States
Tel Aviv, Israel
Business model
Embedded B2B payments
Digital trade credit / net terms
B2B BNPL / financing
Accounts receivable automation
Payment processing
Invoice-to-cash automation
Funding
Stage
Series B
Total raised
$436.6M
Latest round
Debt financing · Nov 2022
Latest amount
$350M
People & investors
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
Work & culture
Public messaging emphasizes speed, impact, collaboration ('One Team'), positivity ('Be the Light'), and a global team of doers spread across 5 countries.
Product & market
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
- —AI-native underwriting and receivables automation
- —Takes credit risk off the merchant's balance sheet
- —Embedded checkout and buyer portals
- —Real-time credit decisions and revolving credit limits
- —Automates onboarding, invoicing, collections, cash application, and reconciliation
- —Integrates with ERP/CRM/inventory systems
- —Supports both online and in-store B2B workflows
- —Highly customizable APIs and hosted components
Technology
Salesforce
Shopify
QuickBooks
RabbitMQ
Google Workspace
NetSuite
Zapier
Figma
Python
React
PostgreSQL
Snowflake
Stripe
MongoDB
TypeScript
Kubernetes
Docker
JavaScript
LinkedIn
MLOps
Customers
Alibaba.com
Instacart Business
B-Stock
Shopware merchants
GE
US Electrical
Upwork
Sony
Fiverr
Grubhub
FashionGo
Bay Supply
Competitors
TreviPay
Billie
Hokodo
Mondu
Stripe
Scale & contact
Estimated revenue
$10M
Estimated monthly visits
44.1K
Traffic estimate as of Apr 2025
Latest news
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.
Jobs and careers at Balance
0 jobs at Balance
No open positions
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