Billie Partner
“Can Billie become the universal embedded credit infrastructure layer for B2B BNPL across European payment platforms?”
Founded in 2016 in Berlin, Billie began as a B2B invoice financing and BNPL platform targeting European SMB merchants. Unlike B2C BNPL players, Billie focused on automating the full credit and payment cycle for business buyers — instant credit decisions, invoice generation, and dunning — making B2B checkout as seamless as B2C. The company expanded from direct merchant integrations toward embedded distribution via major payment platforms, partnering with Adyen (2024) and Mollie (2023) to reach merchants at scale. A co-brand with Klarna further embeds Billie's underwriting within a major payments network, positioning Billie as the embedded B2B credit infrastructure layer behind multiple payment stacks.