“Can a century-old family-run flavour brand digitise its B2B trade-credit offering to match the payment expectations of modern hospitality buyers without taking on credit risk?”
Founded in 1912 as a French family-run flavour manufacturer, MONIN has grown into a global brand selling syrups, purées and cocktail mixers predominantly into the B2B hospitality channel. The company's embedded finance evolution is modest but targeted: in 2024 it integrated Hokodo's B2B BNPL/trade-credit solution to digitise the trade credit it historically offered manually, enabling flexible payment terms on approximately 90% of B2B e-commerce orders without the credit-risk burden sitting on MONIN's balance sheet.
MONIN's lending and capital products are provided by Hokodo.
MONIN is founded in 1912 and headquartered in Bourges, France.
Get a read on where your own stack stands against MONIN 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.