Startups > Balance

Balance

Balance enables businesses to accept flexible B2B payments and instant settlement in one platform.

Debt Financing $436.6M total Founded 2020 Tel Aviv, Tel Aviv 82 employees

Balance is a B2B eCommerce payments platform that enables businesses to process payments via check, card, or bank transfer with flexible terms (net 30/60/90, payment plans). Founded by PayPal alums, it addresses the $2 trillion offline B2B payments market by offering an omni-channel checkout with real-time risk assessment and instant settlement. The platform combines B2B payments, trade credit, AR management, and marketplace capabilities in a modular stack tailored for digital commerce at scale.

Problem solved

92% of B2B transactions happen offline because buyers lack flexible payment options and sellers lack efficient digital checkout solutions, leaving $2 trillion in transactions outside digital channels.

Target customer

Mid-market to enterprise B2B merchants, marketplaces, and distributors with $50M+ annual revenue; wholesale, manufacturing, and e-commerce companies needing flexible payment terms and digital checkout.

Website LinkedIn Crunchbase Twitter / X

Founders

Bar Geron

CEO & Co-Founder

Fintech and healthcare IT entrepreneur with background in philosophy and industrial engineering; previously Co-Founder and CEO of Q.AI; PayPal veteran.

Yoni Shuster

Co-Founder & CTO

Scientist and innovator focused on B2B purchase journey reinvention; former PayPal engineer.

Funding history

Seed $5.5M 2020 Led by Lightspeed · SciFi VC (Nellie & Max Levchin), Stripe, Y Combinator

Series A $25M August 2021 Led by Ribbit Capital · Stripe, Lightspeed, Y Combinator, Upwest, SciFi VC, angel investors from Plaid, Square, PayPal, Brex, Coinbase

Series B $56M July 2022 Led by Forerunner · Salesforce Ventures, HubSpot Ventures, Lyra Ventures, Gramercy Ventures, Ribbit Capital, Lightspeed Ventures, Avid Ventures, Upwest, Jibe; angels including former Shopify CMO Jeff Wisener and Faire CTO Marcelo Cortes

Debt Financing $350M November 2022 Led by Unknown · Credit facility from institutional lenders

Total raised: $436.6M

Industries

Payments FinTech E-Commerce B2B

Pricing

Not publicly available. Pricing model not disclosed on website or public sources.

Notable customers

Notch, Everywhere Apparel, Bryzos, Felux, Vallourec, Bay Fastening Systems, FashionGo, Alibaba.com (U.S.), Instacart Business, 300+ merchants and marketplaces total; serves 100,000+ unique business buyers and 13,000+ vendors

Integrations

Alibaba.com, Instacart Business, FashionGo, Stripe, Salesforce, HubSpot, RTP Rails (for ACH payments)

Tech stack

jQuery (JavaScript libraries) crypto-js (JavaAcript libraries) core-js (JavaScript libraries) Zendesk (Documentation) webpack Open Graph LottieFiles Module Federation HubSpot Analytics (Analytics) Matomo Analytics (Analytics) Linkedin Insight Tag (Analytics) Leadfeeder (Analytics) Google Analytics (Analytics) Facebook Pixel (Analytics) Google Font API (Font scripts) Google Workspace (Email) Cloudflare (CDN) jsDelivr (CDN) Google Hosted Libraries (CDN) cdnjs (CDN) HubSpot (Marketing automation) Linkedin Ads (Advertising) Twitter Ads (Advertising) Microsoft Advertising (Advertising) PayPal (Payment processors) Google Tag Manager (Tag managers) Webflow (Page builders) Amazon Web Services (PaaS) Google Optimize (A/B Testing) Sendgrid (Email) Segment (Customer data platform)

Website

getbalance.com/

Competitors

Credit Key

Focused B2B financing, narrower payment method support compared to Balance's omni-channel approach.

Mondu

European-focused B2B payment platform; Balance has broader geographic and product scope.

Two

Specialized B2B lending; Balance combines payments, credit, and marketplace capabilities.

Resolve

Specialized in manufacturing and distribution with deeper industry expertise; Balance positions as broader, more flexible platform across verticals.

Why this matters: Balance has secured $436.6M in funding (including a rare $350M credit facility) and earned CNBC Top Fintech recognition in 2025, validating massive B2B payments market opportunity. Recent partnerships with Alibaba.com and Instacart Business signal mainstream adoption of its omni-channel B2B checkout, addressing the $2 trillion offline B2B transaction gap.

Best for: Enterprise and mid-market B2B merchants, marketplaces, and distributors that need to digitize offline payment processes, offer flexible buyer terms, and accelerate revenue through omni-channel checkout.

Use cases

Digital marketplace payment infrastructure

B2B marketplaces like Alibaba.com and FashionGo use Balance to offer multiple payment methods and flexible terms (net 30/60/90) at checkout, reducing cart abandonment and enabling smaller buyers to transact. This increases GMV by accommodating buyers who can't pay upfront.

Wholesale distributor checkout modernization

Traditional wholesale distributors like Bay Fastening Systems digitize their sales channel using Balance's payment rails and trade credit capabilities, replacing manual invoice workflows. Result: faster order processing, reduced DSO, and ability to compete with online-native competitors.

Instant settlement for B2B sellers

Sellers using Balance get paid instantly on B2B transactions regardless of buyer payment terms, improving cash flow without factoring fees. This is critical for manufacturers and distributors operating on tight margins.

Alternatives

Affirm Business (Resolve) Choose Resolve if you need deep expertise in manufacturing, distribution, or specific verticals; choose Balance for broader flexibility across industries and payment methods.

Stripe Billing Stripe Billing optimizes for recurring SaaS billing; Balance is built specifically for one-off B2B transactions with trade terms and multiple payment methods.

Melio Melio focuses on outbound B2B payments for vendors; Balance handles inbound merchant payments and buyer financing.

FAQ

What does Balance do? +

Balance is a B2B eCommerce payments platform that enables merchants to accept payments via check, card, and bank transfer, offer flexible payment terms (net 30/60/90, payment plans), and settle instantly. It combines payment processing, trade credit, AR management, and marketplace capabilities in one modular stack built for digital B2B commerce.

How much does Balance cost? +

Balance does not publicly disclose its pricing model. Pricing likely varies based on transaction volume, payment methods used, and features enabled (e.g., trade credit, AR management). Contact Balance's sales team for custom pricing.

What are alternatives to Balance? +

Key alternatives include Resolve (specialist in manufacturing/distribution), Affirm Business (B2B financing), Credit Key (focused B2B lending), Mondu (European B2B payments), and Stripe Billing (though optimized for SaaS, not B2B trade).

Who uses Balance? +

Mid-market to enterprise B2B merchants, wholesale distributors, and digital marketplaces. Notable customers include Alibaba.com, Instacart Business, FashionGo, Bay Fastening Systems, and 300+ other merchants serving 100,000+ business buyers.

How does Balance compare to Resolve? +

Balance positions as a broader, more flexible omni-channel platform serving any B2B vertical (e-commerce, wholesale, marketplaces, manufacturing). Resolve specializes deeply in manufacturing and distribution with verticalized expertise. Choose Balance for flexibility; choose Resolve for industry-specific depth and solutions.