Topps Tiles
“Can a specialist tile retailer embed financial services (BNPL, Open Banking, trade credit) deeply enough to become the preferred financial partner for professional tradespeople as well as consumers?”
Topps Tiles began as a traditional brick-and-mortar tile retailer and has grown to become the UK's largest tile specialist with over 300 stores. In recent years the company has invested in embedded finance to deepen its trade market footprint — launching Open Banking instant payments via TrueLayer in 2023 (first major UK retailer to do so in-store) and a GoCardless-powered Trade Pay credit scheme in 2024. The consumer BNPL offering (Klarna) complements the trade credit play, reflecting a deliberate push to capture both consumer and professional trade customers through financial services.