Credit Key

Credit Key

B2B payment solutions with flexible financing

About

Credit Key transforms B2B payments by offering a "Buy Now, Pay Later" (BNPL) solution specifically designed for businesses. This service allows business buyers to make purchases and pay over time, while merchants receive their payments within 48 hours. Unlike traditional credit options that can be slow and have low approval rates, Credit Key provides instant credit decisions and pre-approvals, making transactions quick and easy. The company offers financing options for up to 12 months, which helps increase sales and customer loyalty for merchants. Credit Key integrates its technology across various points of sale, supporting both online and offline transactions. The goal is to enhance the payment experience for businesses while driving revenue growth for merchants.

Company Stage

Series A

Employees

51-200

Industries

Fintech, Financial Services

Total Funding

$156.5M

Headquarters

N/A

Founded

2015


Simplify Jobs

Simplify's Take

What believers are saying

  • Credit Key's recent $115M funding round positions the company for significant growth and expansion in the B2B BNPL market.
  • Partnerships with companies like Burkett Restaurant Equipment & Supplies and Miva enhance their market reach and credibility.
  • The ability to offer financing options for up to 12 months can drive customer loyalty and boost sales for merchants.

What critics are saying

  • The competitive landscape of BNPL is intensifying, with new entrants potentially eroding Credit Key's market share.
  • Reliance on debt and equity funding for growth could pose financial risks if the company fails to achieve projected growth targets.

What makes Credit Key unique

  • Credit Key focuses exclusively on B2B payments, unlike many BNPL providers who primarily target B2C markets.
  • Their instant credit decisions and customer pre-approvals significantly reduce friction in the payment process, setting them apart from traditional credit solutions.
  • The omnichannel approach ensures seamless integration across both online and offline points of sale, providing flexibility that many competitors lack.

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Growth & Insights
Headcount

6 month growth

7%

1 year growth

-3%

2 year growth

3%

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