Credit Key

Credit Key is a financial technology company revolutionizing the business-to-business (B2B) payments landscape. The company specializes in providing a Buy Now, Pay Later (BNPL) solution specifically designed for B2B e-commerce and point-of-sale transactions. Credit Key empowers merchants to offer their business customers instant access to credit and flexible payment terms, ranging from Net 30 up to 12 months. This service is designed to enhance the purchasing power of business buyers, enabling them to acquire necessary goods and services immediately while managing their cash flow more effectively by deferring payments.

By integrating Credit Key's proprietary technology, merchants can streamline the B2B purchasing process, leading to increased sales, higher average order values (AOV), and improved customer loyalty. Credit Key assumes 100% of the credit risk and handles the loan servicing and collections process, allowing merchants to receive payment for their sales within 48 hours. This significantly improves cash flow for merchants and eliminates the administrative burden and risk associated with managing in-house trade credit. The platform offers real-time credit decisions, often within seconds, through a seamless, embedded checkout experience across various sales channels, including e-commerce websites, in-store point-of-sale systems, and phone or field sales. Credit Key's solutions are built to cater to a wide range of business customers, from sole proprietorships to larger enterprises, addressing the increasing demand for modern, flexible financing options in the B2B sector. The company's innovative approach aims to bridge the gap between B2C and B2B payment experiences, making business purchasing as frictionless as consumer transactions.