Drive your B2B

business with

white-label

embedded finance

B2B Financing Made Accessible

Today’s business buyer expects B2B financing at the point of sale.

Our white-labeled BNPL platform gives your business customers easy access to specialized B2B financing, seamlessly embedded within your user journey in your brand.

Why Choose Our B2B BNPL Platform?

Quick time to market

Split Payments solution

Real-time data dashboard

White-labeled

Split Payments solution

Seamless customer experience

Powers every BNPL solution

Finance from top banks & lenders

Split Payments solution

Omnichannel solution

Every B2B financing option.

One platform.

Different businesses have different financing needs and risk profiles.

To ensure your B2B customers get the best approval rates and loan terms possible, our platform supports them all.

Installment loans

Lines of credit

Pre-purchase LOC

Working capital

Deferred invoice

Why offer B2B embedded finance?

Penetrate B2B retail market

Boost B2B Sales and AOV

Drive conversion rates

Improve cashflow while giving customers flexibility

Eliminate B2B payment complexity

Let's talk

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    BNPL: How to Get off the Sidelines and into the Game

    The Ultimate BNPL Handbook for Banks and Lenders

    The BNPL game is on - fintechs have already scored $8-10 billion in annual consumer finance revenues that could have been yours.

    In this whitepaper, you'll discover exactly what your point-of-sale financing program needs to be successful and learn the 10 most important questions to ask a potential BNPL partner (handy cheat sheet included).

    DOWNLOAD THE WHITE PAPER and get key insights into choosing the winning BNPL solution for your needs.

    Get the Whitepaper

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      Name

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      BNPL: How to Get off the Sidelines and into the Game

      The Ultimate BNPL Handbook for Banks and Lenders

      BNPL fintechs may be in the lead but banks have the home-field advantage. With the right point-of-sale financing solution in place, banks and lenders can catch up and win.

      Download our free whitepaper and discover the key aspects to consider when choosing a point-of-sale financing solution, including the 10 most important questions to ask a potential BNPL partner (handy cheat sheet included).

      Download the Whitepaper

      Get your free download in your inbox:

        Name

        Work Email

        Company Name

        Region


        BNPL: How to Get off the Sidelines and into the Game

        The Ultimate BNPL Handbook for Banks and Lenders

        BNPL fintechs may be in the lead but banks have the home-field advantage. With the right point-of-sale financing solution in place, banks and lenders can catch up and win.

        Download our free whitepaper and discover the key aspects to consider when choosing a point-of-sale financing solution, including the 10 most important questions to ask a potential BNPL partner (handy cheat sheet included).

        Download the Whitepaper

        Get the free download in your inbox:

          Name

          Work Email

          Company Name

          Region


          Why Choose Our BNPL Platform

          Zero-to-Minimal Integration

          Since there are different methods to complete a transaction, both online and in-store, there are different ways to transfer BNPL funds from lender to merchant.

          Mission impossible? Not with Jifiti at your side. We give you a solution for every checkout payment stack, with zero or minimal integration.

          BNPL Payment Stack

          Multi-Lender Hub

          Boost sales & AOV with bank-rate BNPL programs from leading banks and lenders

          White-labeled

          Seamlessly embedded into your customer journey and customized   in your brand

          Any channel, anywhere

          Powers a streamlined user experience globally across all channels - in-store, online, call center

          What is pay-over-time waterfall?

          What is pay-over-time waterfall?

          Split payments

          Pay in 3 or Pay in 4

          Installment loans

          One-time loan over a longer period of time for the amount in the cart 

          Lines of credit

          Extended ‘open to buy’ line of credit with an amount that can be used for repeat purchases

          Lease-to-own

          No credit required path to ownership

          "We are delighted to collaborate with Jifiti in Europe as this partnership allows us to deliver seamless checkout financing experiences for consumers. It's a win-win for all stakeholders."
          "Jifiti has a commitment to excellence, demonstrated creativity and flexibility for our business needs and never missed a deadline or an obligation."
          "Jifiti is working side-by-side with us, not just as our BNPL platform provider, but as a true end-to-end partner. The team has gone above and beyond, making the IKEA POS financing seamless, affordable and easily accessible to our customers."

          Why Choose Our B2B Financing Platform?

          State-of-the art platform

          Split Payments solution

          Streamlined data dashboard

          White-labeled in your brand

          Split Payments solution

          Seamless customer experience

          Powers every BNPL solution

          Finance from top banks & lenders

          Split Payments solution

          Omnichannel solution

          What is B2B embedded finance?

          Today’s business buyer expects B2B financing at the place of purchase.

          Our white-labeled BNPL platform gives your business customers easy access to specialized B2B financing, seamlessly embedded within your user journey in your brand.

          Win more lifetime business customers and drive volumes with white-labeled B2B financing

          Decisioning and Risk Management

          Why Choose Our B2B Financing Platform?

          consumer financing for lenders

          Knowledge is Power

          Armed with powerful data from our reporting dashboard, you get insights into every aspect of B2B retail financing behavior.

          Word on the Street

          “We are delighted to collaborate with Jifiti in Europe as this partnership allows us to deliver seamless checkout financing experiences for consumers. It’s a win-win for all stakeholders.”
          “Jifiti has a commitment to excellence, demonstrated creativity and flexibility for our business needs and never missed a deadline or an obligation.”
          “Jifiti is working side-by-side with us, not just as our BNPL platform provider, but as a true end-to-end partner. The team has gone above and beyond, making the IKEA POS financing seamless, affordable and easily accessible to our customers.”

          FAQs

          I already have a B2C BNPL solution. Why do I need BNPL for B2B?
          B2C and B2B financing are completely different solutions. To maximize your business customers’ approval rates and to ensure they get the right financing options, you need to offer BNPL for B2B. With our platform, you can offer both. 

          These are the key differences between B2C BNPL and B2B BNPL:

           

          B2C BNPL
          B2B BNPL
          Ticket size
          Lower Higher
          Approved amounts
          Limited Higher
          Underwriting
          Individual customer Specialized for business
          Virtual card
          Yes – single card holder Yes – multiple card holders
          Loan options
          Split pay, line of credit, installment loans, co-branded card Installment loans, line of credit, pre-purchase LOC, working capital, deferred invoice
          Repayment options
          Various, not all require credit/debit card ??
          Other
          Not available for business use
          • Platform ready for partnerships with other suppliers
          • Customized for recurring purchases
          I already have a B2C BNPL solution. Why do I need BNPL for B2B?
          B2C and B2B financing are completely different solutions. To maximize your business customers’ approval rates and to ensure they get the right financing options, you need to offer BNPL for B2B. With our platform, you can offer both.

          These are the key differences between B2C BNPL and B2B BNPL:

           

          B2C BNPL
          B2B BNPL
          Ticket size
          Lower Higher
          Approved amounts
          Limited Higher
          Underwriting
          Individual customer Specialized for business
          Virtual card
          Yes – single card holder Yes – multiple card holders
          Loan options
          Split pay, line of credit, installment loans, co-branded card Installment loans, line of credit, pre-purchase LOC, working capital, deferred invoice
          Repayment options
          Various, not all require credit/debit card
          Other
          Not available for business use
          • Platform ready for partnerships with other suppliers
          • Customized for recurring purchases
          What are the different use cases for B2B BNPL?
          • Merchants – ability to offer financing to customers that are purchasing as a business. Similar to our B2C offering, it’s a white-labeled solution that works online, in-store, via call center and at-home assisted.
          • Platforms/sites/companies servicing businesses – ability to offer business financing (per purchase or working capital) to their business clients. All branded and within their own site.
          • Business lenders – all the tools they need to be able to offer their loans at the POS of a merchant selling to businesses. This can work by connecting to their existing decision engine, or by giving them an updated real-time decisioning engine. Lenders can also use our platform to offer ‘pre purchase’ financing for businesses.
          • OEM’s – ability to offer real-time business financing to customers purchasing directly from them.
          ABOUT US

          Jifiti is transforming point-of-sale financing with cutting-edge technology, data and BNPL solutions.
          Our white-labeled Buy Now Pay Later platform powers any bank loan program at any POS - bridging the gap between retailers, lenders, and consumers.
          We offer retailers zero-integration POS financing, split pay and end-to-end retail gifting solutions.

          WE'RE HERE

          hello@jifiti.com

          1985 W. Henderson RD,

          Columbus, OH 43220

          USA

          1-855-858-0600