“Can a single embedded finance layer own all B2B buyer financing — net terms, BNPL, and invoice credit — for online commerce and marketplaces?”
Balance launched as financial infrastructure for B2B commerce, enabling merchants and marketplaces to offer net terms and invoicing to business buyers without managing credit risk or accounts receivable themselves. The company has expanded from basic payment acceptance into a full B2B embedded finance stack — combining B2B BNPL, digital trade credit, and invoice financing. The partnership with Mirakl signals a move to serve large enterprise marketplaces alongside mid-market e-commerce. Balance's embedded lending orientation (via Lendica partnership) positions it as an orchestration layer for B2B buyer financing rather than a balance-sheet lender.
Balance processes payments through Stripe.
The Embedded Finance Index 2026 maps 2 layers in Balance's stack: Payments / PSP (Stripe); Lending (B2B BNPL, Digital Trade Credit, Pay by Invoice / Net Terms, Invoice Financing and 1 other).
Balance is headquartered in New York, NY (inferred from context; not directly confirmed in evidence).
Get a read on where your own stack stands against Balance and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.