Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 4 companies across 2 categories.
Claim this profile. Work at Billie? Verify your work email to unlock the full buyer list.
Founded in 2016 as a pure B2B BNPL and invoice financing company, Billie built its own credit decisioning engine using machine learning for real-time business buyer risk assessment. Rather than staying a standalone checkout product, Billie pivoted toward becoming embedded infrastructure within third-party payment stacks — partnering with Adyen, then deeply integrating with Klarna (where Billie evaluates creditworthiness on Klarna's behalf and assumes credit risk) and Stripe. This positions Billie less as a direct-to-merchant B2B BNPL brand and more as a white-label B2B credit rail embedded inside major payment processors across Europe.
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.
An embeddable badge for Billie’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.
<a href="https://www.embeddedfinanceindex.com/vendors/billie?ref=badge">
<img src="https://www.embeddedfinanceindex.com/api/badge/billie.svg"
alt="Ranked #39 of 259 in Lending — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/billie/install" width="1" height="1" alt="" style="display:none">4 companies disclose Billie in their stack in the Embedded Finance Index 2026, including Billie Bring Buy Now, SparkLayer, Orderchamp and Dintero.
Billie is an embedded-finance provider in Lending and PSP. It ranks #39 of 259 Lending providers by disclosed buyers.
The most-disclosed Lending alternatives to Billie are Affirm (64 buyers), Klarna (54 buyers), YouLend (45 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).
Billie was founded by Matthias Knecht, Christian Grobe and Aiga Senftleben and is founded in 2016, headquartered in Berlin, Germany.
Billie has raised $149M in total.
Get a read on where your own stack stands against Billie 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.