Startups Directory

DivideBuy is an FCA-regulated point-of-sale finance provider that offers both interest-free and interest-bearing credit solutions to e-commerce retailers. Unlike traditional BNPL competitors focused on short-term payments, DivideBuy specializes in longer-term financing (3-60 months) for high-value items like furniture, electronics, and home improvement products, with credit amounts from £50 to £12,500. The platform combines proprietary credit technology with lending facilities, achieving over 90% acceptance rates through flexible options like deposit increases or guarantors. DivideBuy was acquired by Zopa in February 2023 and now operates under Zopa Bank Limited.