Strategy and Solutions
The client was a fast-growing B2B industrial supplies marketplace serving small and mid-sized businesses across construction, manufacturing, logistics, and facility management sectors. The platform connected thousands of buyers with verified suppliers offering tools, machinery, raw materials, and maintenance equipment. While buyer demand was strong, purchasing behavior revealed a persistent constraint: small businesses frequently delayed, downsized, or abandoned orders due to short-term cash flow limitations.
Unlike consumers, SME buyers operated with delayed receivables, variable payment cycles, and limited access to flexible financing at checkout. Traditional invoicing and net-term arrangements were either unavailable or required lengthy credit reviews that disrupted procurement workflows. To reduce friction and improve marketplace liquidity, the client partnered with Zymr to implement a B2B-focused Buy Now, Pay Later (BNPL) platform designed for higher order values, longer repayment periods, and business-grade credit assessment.
SME buyers struggled with working capital constraints due to upfront payment demands and inflexible net terms, forcing them to postpone or reduce purchases. Existing consumer BNPL options were unsuitable for B2B needs, lacking support for high values, longer repayment cycles, invoicing, and accounting integration. Furthermore, assessing SME creditworthiness was difficult as consumer credit scores were inadequate, and slow manual reviews hindered the speed of digital procurement. Suppliers, meanwhile, required immediate, risk-free settlement, highlighting the need for a solution that could balance buyer flexibility, supplier confidence, and risk management without disrupting current operations.
Zymr helped the B2B marketplace transform BNPL from a payment feature into a strategic growth engine. By enabling financing tailored to SME purchasing realities, the platform increased order sizes, accelerated buying cycles, strengthened supplier confidence, and improved customer retention, all while maintaining operational and financial discipline.
This case illustrates how a purpose-built B2B BNPL solution can transform marketplace economics, unlocking growth while maintaining trust among buyers, suppliers, and platform operators.
A large portion of SME buyers adopted BNPL as their preferred payment method.
Businesses purchased larger quantities and higher-margin products once payment pressure was reduced.
BNPL users returned more frequently, strengthening long-term marketplace loyalty.
Default rates remained within acceptable thresholds due to disciplined credit controls.
Faster purchasing cycles increased transaction velocity and overall marketplace growth.
Zymr designed and delivered a B2B-specific BNPL platform tailored to the realities of SME procurement, combining alternative credit decisioning, extended repayment terms, and seamless integration into marketplace and accounting workflows.
Integrated BNPL directly into the marketplace flow, allowing SMEs to select financing options alongside standard payment methods without leaving procurement workflows.
Implemented a real-time risk engine evaluating transaction history, business longevity, order patterns, industry risk, invoice behavior, and cash flow signals rather than relying solely on consumer credit scores.
Supported longer repayment plans aligned with real-world B2B payment cycles, with dynamic limits based on buyer behavior and repeat usage.
Enabled full supplier payout at order confirmation, shielding suppliers from repayment risk while automating settlement and reconciliation.
Introduced dynamic exposure limits, velocity checks, early delinquency alerts, and automated payment reminders to maintain stable risk performance.
Ensured BNPL transactions integrated cleanly with invoicing, partial fulfillment, refunds, accounting exports, and ERP systems used by larger buyers.
Delivered dashboards tracking BNPL adoption, order frequency, AOV impact, repayment behavior, and buyer retention to guide ongoing optimization.
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