Credit Key Closes $90M in Growth Capital to Scale B2B Payments Platform.  Read the press release
Credit Key Closes $90M in Growth Capital
Read the press release

Offer Digital Net 30/60/90 Terms and B2B Trade Credit Without the Risk

Perfect for delivering the cash flow flexibility your buyers need when they're buying inventory and operating supplies

Man smiling at laptop screen using Credit Key Net 30/60/90 terms.

Extending terms to every buyer is crucial to your success, but your credit team can only reach so far.

Approvals, underwriting, and risk management for your smallest and newest accounts divert time and resources from your strategic ones.

That’s where we come in.

Your buyers need cash flow flexibility to stock inventory and keep operating supplies on hand. You need to get paid. With Credit Key, you can extend Net 30/60/90 terms to the buyers your in-house program can't reach and we'll pay you in as little as 48 hours at a 100% advance rate, every time. Your DSO drops, your working capital stays free, and you can reinvest in inventory, sell to more buyers, and scale more quickly.

Screen in Credit Key portal showing order confirmation

What sellers see with Net Terms by Credit Key

40%1

Conversion

More approved buyers completing checkout.

30%1

Average order value

Buyers with terms build bigger baskets.

24%1

Order frequency

Buyers come back sooner and more often.

100%

Advance rate

Always 100% funded in as little as 48 hours, every order.

Plus a shorter DSO — invoices leave your books in 48 hours instead of 30, 60, or 90 days.

1 Aggregated from publicly published figures by B2B payment providers including Hokodo, Kriya, and Allianz Trade research, 2023–2025

Computer screen showing Credit Key application approval message

How it works

1

Your buyer fills out an online application leveraging their existing payment history with your business

2

They receive a fast credit decision on 30, 60, or 90 day terms and can begin buying right away in their preferred channel: online, in-store, or over the phone

3

You get paid in as little as 48 hours at a 100% advance rate while Credit Key handles all of the risk and collections

Trusted by over 450+ leading merchants