Credit Key

Credit Key is a B2B financial services technology company that provides Buy Now, Pay Later (BNPL) and flexible payment solutions specifically designed for B2B e-commerce and omnichannel sales. Founded in 2017, Credit Key enables merchants to offer their business customers instant access to capital with flexible payment terms ranging from Net 30 up to 24 months, including pay-over-time and installment payment options. The platform is the only solution on the market providing flexible payment terms at the point of sale across all B2B sales channels and customer segments — from sole proprietors to enterprise brands. Unlike traditional in-house trade credit or business financing, Credit Key absorbs 100% of the credit and fraud risk on behalf of merchants, who receive payment within 48 hours. This model drives measurably higher conversions, larger average order values, and increased customer satisfaction for merchant partners. Credit Key integrates seamlessly into any sales channel and has secured a $100 million debt facility to expand access to capital in the B2B e-commerce market.