“Can a B2B checkout-as-a-service platform combine real-time credit decisioning, instant merchant payouts, and deferred buyer payment terms to become the default payments infrastructure for European B2B e-commerce?”
Founded in 2021, Sprinque targeted B2B e-commerce merchants and marketplaces with a Pay by Invoice / B2B BNPL checkout product that issued revolving credit lines to buyers and paid merchants instantly. The company raised €20M in debt financing in 2023 to scale its pan-European financing network via an SPV structure. It partnered with Mangopay in early 2025 to strengthen marketplace payment infrastructure. Despite these moves, Sprinque ceased operations in May 2025, ending its four-year run as a B2B embedded credit platform.
Sprinque discloses Mangopay as its banking provider, according to the Embedded Finance Index 2026.
Sprinque does not disclose a bank charter of its own; its banking services are provided through Mangopay.
The Embedded Finance Index 2026 maps 2 layers in Sprinque's stack: Banking / BaaS (Mangopay); Lending (B2B Buy Now Pay Later, Pay by Invoice, Revolving credit line for buyers and Merchant instant payout).
Sprinque is founded in 2021 and headquartered in Amsterdam, Netherlands.
Sprinque has raised $29.91M in total (latest round: Debt facility, June 2023).
Get a read on where your own stack stands against Sprinque 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.