Small and medium businesses (SMEs) across the US using Alibaba.com, an embedded financing solution, will now have the option to access instant credit at checkout following a new partnership with Balance, the AI-powered financial infrastructure platform for B2B commerce.
US SMEs will now have greater control over how and when they pay, as eligible firms will now be able to finance purchases using the ‘Pay Later for Business’ solution. Powered by Balance’s AI risk infrastructure, which delivers real-time credit risk management and high approval rates, the B2B buy now pay later (BNPL) solution will help SMEs, which are often overlooked by traditional financing systems.
“Flexible B2B payments are essential for business customers who want to grow,” said Yiran Li, head of customer retention strategy at Alibaba.com US. “By embedding Balance directly into our checkout, we’re making it easy for customers to buy on their terms, without being limited by cash flow constraints.”
Balance expands its network
This launch follows Balance’s recent partnership with Instacart Business, wherein it powers their embedded invoicing and net terms for business customers. With Alibaba.com now onboard, Balance continues to expand its network of leading platforms and merchants, reimagining the B2B payment experience.
By embedding B2B BNPL and autonomous pay-by-invoice solutions directly into checkout, Balance helps sellers increase conversions, boost average order value, and drive user loyalty, without taking on credit risk or operational complexity.
“In tight economic conditions, and especially with the added strain of tariffs, access to financing can make the difference between surviving and thriving,” said Bar Geron, CEO and co-founder of Balance. “We’re proud to partner with Alibaba.com and power a solution that helps its US users grow their businesses with confidence.”
