Credit Key
Also a provider — view Credit Key’s profile →“Can a B2B BNPL platform become the default embedded payment terms layer across all B2B e-commerce and sales channels, from sole proprietors to enterprise buyers?”
Founded in 2015 as a B2B BNPL company, Credit Key focused on bringing Klarna/Affirm-style point-of-sale financing to business buyers, offering instant credit decisions at merchant checkout across e-commerce and other sales channels. Over time, Credit Key shifted from purely originating loans on its own balance sheet to co-lending with Lead Bank as sponsor bank, allowing it to scale capital deployment and regulatory compliance. The $90M growth capital round with Barings in 2026 signals a shift toward institutional credit facility partnerships to fund loan growth without purely equity dilution.