Tilta

Tilta is a Berlin, Germany-based financial technology company that supplies digital platforms with payment infrastructure enabling flexible payment terms, financing and receivables handling for the small and mid-sized businesses they serve. Its core product is described as a one-stop receivables solution combining flexible sale of invoices, real-time risk assessment and credit limits, credit insurance and debtor management, with payouts triggered from a single click.

The platform issues credit limits in seconds and pays out receivables directly, with sellers free to choose which receivables to sell rather than assigning their entire ledger. Tilta states that receivables are paid out in full without security retention, that defaults are borne by Tilta because positions are insured, and that outstanding receivables are chased on the seller's behalf. Standardized ERP and accounting-system interfaces are offered to reduce manual work. Tilta's own framing of the problem is that roughly 90% of B2B payments remain tied to paper-based invoices, which it treats as an obstacle to the digitisation of B2B commerce.

Alongside the direct receivables product, Tilta markets solutions for B2B eCommerce and B2B marketplaces, including white-labeled offerings that partners can present under their own brand.

Founding story

Tilta was founded in Berlin by former Finiata managing directors Jan Enno Einfeld, Ingmar Stupp and Christoph Nicola. The team had initially intended to add factoring and a buy-now-pay-later offering for corporate customers to Finiata's business model; after investor Manta Ray took over Finiata in mid-April 2022, they took the B2B buy-now-pay-later concept to market as a separate startup. Co-founder Christoph Nicola attributes the motivation to growing up in a family of small business owners and observing the liquidity problems SMEs face.

Business model

Tilta operates as an infrastructure and white-label provider: it embeds credit limits, net-term payments and receivables purchase into the checkout and payment flows of digital platforms, marketplaces and B2B eCommerce merchants, while also serving mid-market sellers directly. According to reporting on its launch, each company receives a funding line and can draw against it repeatedly until the limit is reached.

Revenue is derived from financing and payment services around B2B receivables — the purchase of invoices with associated risk assessment, insurance and debtor management — offered directly and through white-labeled partner deployments; specific pricing is not stated in the sources.

Traction

Tilta says it is trusted by mid-market businesses across Europe and publishes customer references from Kindsgut, Wonnda and Compeon; Wonnda states Tilta lets it monetize payment streams between 2,000 international suppliers and buyers, and Kindsgut reports going live on Shopware within two weeks. In August 2024 the B2B platform Automa.net selected Tilta to embed net-term payments. The company raised €4 million in equity in June 2023 and secured €30 million in debt financing in September 2023.

Latest developments

The most recent company milestones disclosed are the August 2024 partnership under which Automa.net embedded Tilta's net-term payments into its platform, and the April 2024 two-year anniversary. The website presents an AI-driven receivables product covering flexible invoice sale, real-time limits, insurance and debtor management across the EU, Switzerland, Norway and the UK.