SplitPay B2B
ConceptBuy now, pay later — for businesses
BNPL for business supplies: let SMBs buy inventory and supplies from vendors now and pay over time, with AI underwriting based on the business’s real sales — helping cash-strapped businesses keep buying and vendors sell more.
AI
Underwriting
2-sided
Buyers + vendors
100k+
Target businesses
Market
B2B BNPL / payments market
B2B payments and BNPL: a massive market shifting from paper terms to embedded finance.
Figures are team estimates and projections, illustrative only — not guarantees.
Why this project wins
AI underwriting from real sales, not just credit
Vendors sell more; buyers keep buying
Embedded at checkout, low friction
Two-sided network effect
Feeds the Adonait business/dropshipping ecosystem
Competitors & how we’re different
Consumer BNPL
Klarna/Affirm target consumers, not B2B supplies.
Net-30 terms
Manual, risky for vendors, no underwriting.
Business credit cards
Limits and rates hurt thin-file SMBs.
Business thesis
Ideal customer
Small businesses that need supplies now but are cash-tight — and their vendors.
White-label (who to sell it to)
Wholesalers, marketplaces and payment processors.
Market
B2B payments and BNPL: a massive market shifting from paper terms to embedded finance.
Monetization
Merchant fees, financing spread and SaaS.
Investment needed
US$260k (underwriting + integrations + compliance).
Estimated users by region
SMBs and their vendors; target 100k+ businesses (est.).
Cost per user (est.)
US$5–15 CAC (B2B, via vendors).
Technical details
- •AI underwriting from business sales/cash flow
- •Split/instalment payment terms
- •Vendor integration at checkout
- •Repayment tracking and collections
- •Risk controls and compliance
Full business plan
The complete, detailed business plan
Generate a full, investor-ready business plan for this project — then open it and download it as a PDF.
Interested in this project?
Apply to build it with us, or reach out as an investor or partner.