Balance

Balance is financial infrastructure for physical B2B trade, covering pay-by-invoice, net terms, order-to-cash, invoicing, collections, cash application, and payments. It addresses the credit, risk, and accounts receivable work that comes with offering payment terms to business buyers, handling buyer onboarding, KYB, credit underwriting, risk assessment, fraud monitoring, invoicing, collections, and cash application in one platform. Balance takes on the credit risk for net terms, and offers financing, DSO protection, and vendor payout acceleration.

Key capabilities include AI-powered credit risk assessment and underwriting, real-time credit limit management, embedded checkout, a self-serve payment portal, automated invoice generation and delivery, smart dunning and autonomous collections, and AI-assisted cash application with payment-to-invoice matching. Integrations cover Salesforce, Adobe Commerce, BigCommerce, Shopify, Mirakl, LogicBroker, Nautical Commerce, and Virto Commerce, alongside open APIs for custom builds. Integration approaches range from lightweight hosted components to fully native API development.

Balance is aimed at B2B merchants, marketplaces, and platforms that want to offer net terms and automate accounts receivable without building credit and AR teams in-house. The pages do not state specific pricing, plans, or packaging details.