Startups Directory

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.

Sunbit is a B2B2C point-of-sale financing platform that embeds fast, transparent installment payment options into merchant checkout workflows, primarily in auto repair and healthcare. Using proprietary AI/ML, the platform approves 90% of applicants in under 30 seconds with just a driver's license, phone, and email. Merchants receive guaranteed upfront payment while Sunbit assumes credit risk, enabling 20-30% higher average order values and improved customer retention.

Juni is a fintech platform built specifically for e-commerce and online marketing entrepreneurs, combining business banking, credit products, and financial analytics optimized for the unique cash flow patterns of digital businesses. The platform automates accounting workflows through 2,400+ integrations while offering credit cards, capital advances, and cash-back tailored to e-commerce operations. Juni differentiates by deeply understanding the irregular payment cycles and high transaction volumes typical of online sellers, positioning itself as a vertical-specific alternative to horizontal fintech platforms.

Parker is a corporate credit card platform purpose-built for e-commerce brands, offering credit limits up to $10 million with cash flow-optimized underwriting based on business performance. Unlike traditional business credit cards, Parker provides flexible statement cycles (daily, weekly, or monthly) and credit limits 10-20x higher than competitors like Brex and American Express. The platform bundles cards, banking, bill pay, and financial intelligence at no additional cost, generating revenue through interchange and transaction fees.

TradeDepot is a B2B e-commerce and embedded finance platform connecting FMCG brands to over 100,000 small retailers across Nigeria. The platform offers digital commerce, buy-now-pay-later inventory financing, integrated logistics, and data analytics. It uniquely combines a hyper-local marketplace model with embedded credit to help micro-retailers expand purchasing power while reducing supplier delivery costs by up to 25%.