Digital trade credit is redefining the landscape of B2B payments, delivering the same level of real-time innovation seen in consumer payments, but with far greater reach and potential. Sara Khairi refers to this modernization as “B2B BNPL” in Tearsheet, but it’s much more than a trend. It’s about unlocking growth and liquidity for millions of businesses long overlooked by traditional lenders.
Unmatched Market Growth and Demand
The opportunity for digital trade credit is massive and accelerating. Crowdfund Insider projects the market will jump from $150 billion in 2023 to $670 billion by 2029. By 2030, Gulf Business expects that digital solutions could account for 20 percent of all B2B payments worldwide, representing an impressive $25-30 trillion in transaction volume. With over 30 million small businesses in the US alone and more than half lacking access to credit (per PYMNTS.com), North America is primed for disruption.
Two is at the forefront of this shift, rapidly scaling to meet the needs of US small and midsize businesses. Our revenue has surged at a 354 percent CAGR since 2021 as we pursue a €200 billion market opportunity. We’re not just bringing European solutions to the US, we’re building products tailored from the ground up for North American businesses.
Solutions Precision-Built
Success in North America requires more than a copy-and-paste approach. While 90 percent of SMBs want electronic payments, 75 percent still rely on paper checks. Our product suite is meticulously tailored for this market, not just “transplanted.”
Two delivers B2B BNPL, Trade Accounts, and extended installment plans with instant credit decisions at the point of sale. Our proprietary risk engines leverage advanced data analytics and AI, offering quick approvals while keeping losses ultra-low. This enables businesses to offer their customers payment flexibility, maintain healthy cash flow, and convert more sales without absorbing credit risk.
.png)
Our technology addresses the root challenge for US sellers: balancing credit risk and cash flow while offering vital net terms. Two’s automation removes red tape, ensuring millions of credit-hungry SMBs get the terms they need, with the speed and security they expect.
Powering a New Era of Global Trade
The true promise of digital trade credit extends beyond US borders. Once trade credit infrastructure turns global and seamless, cross-border commerce transforms for businesses of every size. Imagine a Michigan manufacturer instantly financing parts from Norway, or a Toronto startup buying equipment from Germany without traditional banking barriers.
This global reach is essential. According to Galileo Financial Technologies, 61 percent of small businesses worldwide face volatile cash flow, and poor cash flow causes 82 percent of business failures. Two’s solutions democratize access, bridging gaps in the financial system and leveling the playing field for growth-minded businesses, everywhere.
The Future of B2B Payments Starts Here
Digital trade credit is not just a product, it’s an engine for growth and resilience. With tailor-made solutions for North America and a vision to take seamless trade credit global, Two is ready to help your business break down barriers, protect your liquidity, and unlock opportunity.
To learn more about how Two and other European payment providers are reshaping North American B2B transactions, read Tearsheet's dedicated article "B2C BNPL changed shopping – can international B2B BNPL players do the same for North American SMBs?" here.
.png)
.png)