← State of Embedded Finance 2026

MONIN

“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?”

Founded1912
HQBourges, France
IndustryE-commerce / DTC brand

The story

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.

Last 12 months

2024-05

MONIN published a case study with Hokodo describing how it now offers instant, flexible credit on 90% of B2B e-commerce orders via Hokodo's digital trade credit platform, integrated in two weeks.

Product timeline

1912

MONIN founded in Bourges, France as a family-run flavour manufacturer producing syrups, liqueurs and fruit purées.· pivot

2024

MONIN partnered with Hokodo to offer digital trade credit on B2B e-commerce orders, enabling flexible payment terms for café, bar and restaurant buyers.· lending

The stack

Lending

Hokodo B2B digital trade creditFlexible payment terms on e-commerce orders

Accounting gap: none