A buyer wants 60-day terms. Your seller wants to get paid this week. Someone has to hold that gap — and if it's your platform, you're carrying default risk on every invoice outstanding at any given time, capital you'd rather have deployed elsewhere.
Butter sits between your buyers and sellers, financing the invoice or the BNPL term at checkout. Sellers get paid immediately, buyers get the terms they need, and the credit exposure sits with Butter rather than your platform.
Purchase history is a better underwriting signal than a credit application a buyer fills out once and never updates.
The order is placed. The seller shouldn't have to wait 60 days to know they've actually been paid.
A supplier chasing payment on a 60-day invoice isn't focused on the next order. Get them paid, and get their attention back.
30, 60 or 90-day terms offered at checkout, without a separate credit application.
The seller is paid at the point of sale while the buyer pays on terms.
Butter holds the credit exposure on financed invoices and BNPL terms.