# B2B BNPL and net terms for enterprise buyers: what AI models recommend, November 2026 Gane Index, November 2026 Edition. Asked as "B2B buy now pay later provider" and as "net terms financing for B2B sales", six framings each, to fourteen models with search on, on behalf of an enterprise B2B company. Added to the November 2026 Edition. Page: https://www.gane.ai/index/finance/receivables/b2b-bnpl-and-net-terms/enterprise **Standing:** TreviPay leads with 47% of first choices; verdict clear leader. 38 first choices across the direct, paraphrase, budget and scale prompts. ## First-choice share | Rank | Product | Share | Negative rate | Labels | |---|---|---|---|---| | 1 | [TreviPay](https://www.gane.ai/index/finance/vendors/trevipay/index.md) | 47% | 0% | 41 | | 2 | [Two](https://www.gane.ai/index/finance/vendors/two/index.md) | 21% | 3% | 35 | | 3 | [Resolve Pay](https://www.gane.ai/index/finance/vendors/resolve-pay/index.md) | 13% | 7% | 44 | | 5 | [Balance](https://www.gane.ai/index/finance/vendors/balance/index.md) | 3% | 9% | 23 | | 6 | [Billie](https://www.gane.ai/index/finance/vendors/billie/index.md) | 3% | 12% | 25 | | 10 | [Mondu](https://www.gane.ai/index/finance/vendors/mondu/index.md) | 0% | 11% | 27 | | 11 | [Credit Key](https://www.gane.ai/index/finance/vendors/credit-key/index.md) | 0% | 14% | 22 | | 12 | [Capchase Pay](https://www.gane.ai/index/finance/vendors/capchase-pay/index.md) | 0% | 12% | 16 | | 13 | [Slope](https://www.gane.ai/index/finance/vendors/slope/index.md) | 0% | 18% | 11 | | 14 | [Kriya](https://www.gane.ai/index/finance/vendors/kriya/index.md) | 0% | 17% | 12 | | 58 | [Fundbox](https://www.gane.ai/index/finance/vendors/fundbox/index.md) | 0% | 38% | 13 | | 82 | [Hokodo](https://www.gane.ai/index/finance/vendors/hokodo/index.md) | 0% | 82% | 17 | Rank is by share of first choices among all 82 products named; products with the same share are tied, and the order among them carries no meaning. The table lists those with at least 10 labels. ## Each model's first choice on the direct prompt - Claude Haiku 4.5: TreviPay; alternatives Balance, OpenWay Way4, Resolve Pay - GPT-5.4 mini: Capital One Trade Credit; alternatives BILL - Gemini 3.5 Flash: TreviPay; alternatives Balance, Mondu, Ratio Boost, Resolve Pay - Perplexity Sonar: Two; alternatives Capchase Pay, Credit Key, Mondu, Ratio Boost - Grok 4.20: TreviPay; alternatives Billie, Resolve Pay - Mistral Small: Two - DeepSeek V4 Flash: TreviPay, Two; alternatives Resolve Pay - Llama 4 Maverick: no first choice - Qwen 3.7 Flash: TreviPay; alternatives Balance, Billie, Credit Key - Kimi K2: TreviPay; alternatives Resolve Pay, Two - GLM 4.7 FlashX: TreviPay; alternatives Capchase Pay, Mondu, Resolve Pay, Two - MiniMax M2.5: Billie, Resolve Pay, Two; alternatives Credit Key - GPT-6 Luna: TreviPay; alternatives Credit Key, Resolve Pay - Muse Glimmer 30B: Taulia, SAP, TreviPay; alternatives Billie, C2FO, Mondu, Resolve Pay ## Sources the answers cite 78 of 84 answers came back with a source list, from 14 of 14 models. Sites named in the most answers: - resolvepay.com: 45 answers, 122 citations - two.inc: 40 answers, 69 citations - mondu.ai: 31 answers, 39 citations - finder.com: 28 answers, 28 citations - creditkey.com: 25 answers, 37 citations - ratiotech.com: 23 answers, 33 citations - cbinsights.com: 21 answers, 22 citations - greylock.com: 19 answers, 19 citations Pages named in the most answers: - https://finder.com/business-loans/best-b2b-bnpl-apps (28 answers) - https://two.inc/resources/two-cents-blog/the-ultimate-2026-guide-to-b2b-buy-now-pay-later-providers-in-the-uk-enterprise-smb (26 answers) - https://greylock.com/blog/bnpl-for-businesses (19 answers) - https://mondu.ai/blog/best-b2b-bnpl-providers-europe (19 answers) - https://billed.app/hub/online-payments/bnpl-for-b2b (15 answers) - https://mondu.ai/blog/b2b-bnpl-provider-guide (14 answers) - https://fintechspecs.com/blog/best-b2b-bnpl-providers-embedded-trade-credit-platforms (12 answers) - https://trevipay.com/official-information-about-trevipay (11 answers) - https://cbinsights.com/esp/financial-services/payments-tech/buy-now-pay-later-(bnpl)-%E2%80%94-b2b-payments (10 answers) - https://coinspaidmedia.com/business/top-5-global-b2b-bnpl-providers (10 answers) ## Warned against - Hokodo: 14 of 17 labels negative. "Wound up operations in late 2024/2025. Why Avoid: Formerly a major player in European trade credit, the company closed" (Qwen 3.7 Flash, negative prompt) - Behalf: 6 of 6 labels negative. "Proven Failures (Avoid Due to Instability) ... Behalf froze credit lines abruptly before laying off staff and shutting down completely." (Qwen 3.7 Flash, negative prompt) - BizPay: 5 of 5 labels negative. "entered voluntary administration on November 23, 2023; its administrator said at the time that it could not issue new loans" (GPT-6 Luna, negative prompt) - Sprinque: 4 of 4 labels negative. "Its founders said they decided to wind down the B2B BNPL business in summer 2024." (GPT-6 Luna, negative prompt) ## Movement since October 2026 Floor: 10 points of share, measured on the calibration repeat. Same leader: TreviPay at 47%. - Two: 0% to 21%, +21. Cleared the floor by 11 points · rank 16 → 2 of 82. - Resolve Pay: 28% to 13%, −15. Cleared the floor by 5 points · rank 2 → 3 of 82. - TreviPay: 41% to 47%, +6. Inside the floor by 4 points · rank 1 of 82, unchanged. - Balance: 0% to 3%, +3. Inside the floor by 7 points · rank 15 → 5 of 82. - Billie: 0% to 3%, +3. Inside the floor by 7 points · rank 18 → 6 of 82. - Mondu: 3% to 0%, −3. Inside the floor by 7 points · rank 3 → 10 of 82. - Credit Key: 0% to 0%, ±0. Inside the floor by 10 points · rank 17 → 11 of 82. - Capchase Pay: 0% to 0%, ±0. Inside the floor by 10 points · rank 19 → 12 of 82. - Slope: 0% to 0%, ±0. Inside the floor by 10 points · rank 23 → 13 of 82. - Kriya: 0% to 0%, ±0. Inside the floor by 10 points · rank 25 → 14 of 82. - Fundbox: 0% to 0%, ±0. Inside the floor by 10 points · rank 84 → 58 of 82. - Hokodo: 0% to 0%, ±0. Inside the floor by 10 points · rank 87 → 82 of 82. ## Record - Method: https://www.gane.ai/index/finance/methodology - License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/finance.