Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 4 companies across 3 categories.
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Balance launched as financial infrastructure for B2B commerce, enabling merchants and marketplaces to offer net terms and invoicing to business buyers without managing credit risk or accounts receivable themselves. The company has expanded from basic payment acceptance into a full B2B embedded finance stack — combining B2B BNPL, digital trade credit, and invoice financing. The partnership with Mirakl signals a move to serve large enterprise marketplaces alongside mid-market e-commerce. Balance's embedded lending orientation (via Lendica partnership) positions it as an orchestration layer for B2B buyer financing rather than a balance-sheet lender.
Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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alt="Ranked #38 of 254 in Lending — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/balance/install" width="1" height="1" alt="" style="display:none">4 companies are linked to Balance in the Embedded Finance Index 2026, through their own public disclosures or Balance's published customer list, including Alibaba, SparkLayer, Shopware and Instacart.
Balance is an embedded-finance provider in PSP, Lending and Accounts Receivable. It ranks #38 of 254 Lending providers by linked companies.
The most-named Lending alternatives to Balance are Affirm (65 buyers), Klarna (55 buyers), YouLend (46 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).
Balance is headquartered in New York, NY (inferred from context; not directly confirmed in evidence).
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