Balance

Balance builds financial infrastructure for business-to-business commerce, focused on physical B2B trade. Its platform spans four product areas: risk (business onboarding, KYB, credit management and B2B fraud controls), money movement (payment processing, payouts, a payment portal, payment plans and embedded checkout), capital (payout acceleration, terms financing and DSO protection), and AI-native order-to-cash (billing, cash application, onboarding, collections and dispute management).

The company positions these capabilities as a way for sellers and marketplaces to launch pay-by-invoice and net terms without building in-house credit and accounts receivable teams, to approve more SMB buyers through instant credit decisions with Balance assuming the risk, to steer buyers toward lower-fee payment methods, and to verify businesses and surface risk signals during onboarding. AI agents run collections, cash application and reconciliation alongside customer AR teams with the stated goal of reducing days sales outstanding and scaling receivables volume without added headcount. Balance describes its offering as real-time credit intelligence, embedded financing and automation for B2B transactions, and says its solution is configured to each customer's existing business processes.

Founding story

Co-founders Bar Geron and Yoni Shuster started the company with the aim of moving B2B trade online, on the view that giving buyers a wider pool of vendors increases competition and lowers prices, as happened in consumer e-commerce.

Business model

Balance supplies payment, credit and accounts receivable infrastructure to B2B sellers, marketplaces and digital storefronts, embedding checkout, net terms and financing into their buying flows and taking on buyer credit risk on behalf of the seller.

Traction

Customer case studies cite improved retention and new customer growth, and B-Stock reports offering Net-30 terms to thousands of buyers through Balance without increased cost or operational overhead. The company reports accelerating growth among industrial enterprises and technology platforms modernizing their financial infrastructure.

Latest developments

Recent milestones include the Shopware partnership enabling flexible B2B payments for Shopware merchants in North America, the launch of an MCP Server allowing AI agents to analyze and manage B2B payments in real time, availability of Balance as a financing-backed payment method for Alibaba.com's U.S. users, and a second consecutive listing on CNBC's World's Top Fintech Companies.