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Digital B2B credit

Instant B2B financing: every credit sale as if it were cash

Your clients pay in 30, 60 or 90 days. You collect in 24 hours. No debt on your balance sheet, no bank credit impact, no guarantees and no depending on a bank to renew your facility. External financing that frees your cashflow and scales with you.

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Your client pays 60 days You collect T+1 24 hours No bank credit · No debt · No guarantees
T+1
Collect next day
0
Bank credit impact
0
Debt on balance sheet
0
Guarantees required
The problem

Chasing payments is not your job

Defaults don't just cost money. They cost time, focus, commercial relationships, and your team's peace of mind. And when the debtor is in another country, most companies simply write off the loss.

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One default wipes out 20 sales' profit

With a 5% margin, you need 20 new sales to offset one unpaid invoice. For SMEs, a couple of significant defaults can threaten business viability.

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Your insurance premium rises every year

Every declared claim worsens your ratio and makes policy renewal more expensive. The insurer penalises you for what you couldn't prevent. The cycle repeats.

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Collecting damages the relationship

Your sales team shouldn't be debt collectors. The tone shifts, trust erodes, and often you lose both the money and the client.

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Different country, different law, different language

If your debtor is in Germany, France or Italy, complexity multiplies. Different legal systems, different languages, different timelines. Most companies simply give up.

What we achieve

Fewer defaults. Lower premiums. Collection time under control.

We've built a system that prevents, detects and resolves B2B defaults automatically, before they become a problem for your business or your insurer.

Defaults resolved without insurance claim

The vast majority of cases are resolved before reaching the insurer. Your claims ratio improves and your policy becomes cheaper at the next renewal.

Resolved without legal action

Our system ensures most debtors pay before escalation is needed. Technology, intelligence, and pressure at the right moment.

Countries with full coverage

If your debtor is in any European country, we act. In their language, under their legislation, without you managing anything. One integration, one point of contact.

🛡️
Your insurance premium drops. Automatically.
By drastically reducing declared claims, your ratio improves and the insurer offers better terms at every renewal. It's not magic: 95% of defaults are resolved before they reach the insurer.
The change

What changes when FutureBNPL manages your defaults

❌ Without FutureBNPL

Your team wastes hours chasing payments
📈Claims pile up and premiums rise
🌍Cross-border: you absorb the loss
📊Real collection time far above agreed terms
😤No visibility until it's too late

✅ With FutureBNPL

You manage nothing. We handle everything
🛡️95% of defaults resolved without claims
🌍Coverage in 25+ European countries
📊Collection time under control, predictable cashflow
📉Your insurance premium drops at every renewal
Modular

You can contract default management alone

If you already have your own financing and credit insurance, this module works independently. Use it alone or combine it with the rest of the platform.

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REST API
Report defaults via API. Receive webhooks on every status change.
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Real-time dashboard
Every case, every phase, every result. All visible from a single panel.
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Configurable
Adjust thresholds and escalation levels to match your operations.
FAQ

About default management

Do I need to do anything if a buyer doesn't pay?
No. The entire process is managed automatically. You see the results in your dashboard.
What if my debtor is in another European country?
We have coverage in more than 25 European countries. We act in the local language, under the debtor's country legislation, without you managing anything.
How does it affect my insurance premium?
By resolving 95% of defaults without reaching the insurer, your claims ratio improves significantly. This translates directly into better terms at every policy renewal.
Do you handle communication with my insurer?
Yes. If you have active credit insurance, we handle the complete file and coordination with your insurer. Fully automated.
Can I use just this module?
Yes. Default management works as an independent module. Integrate via API and report defaults from your existing portfolio.
How much does it cost?
It's included in your FutureBNPL plan. No additional fixed costs.

Tired of chasing payments?

Request a demo and discover how we manage everything for you.

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