Why Cutr Chose Two: Enterprise-Scale Growth Through Automated B2B Credit

Cutr is a manufacturing network for interior construction, connecting designers and developers with a vetted production network across Europe.By streamlining quoting, production, and project management, Cutr gets your product delivered on time and to spec for best price.

In Cutr’s industry, a single invoice can represent a significant share of a customer’s annual turnover. Projects take months to deliver. As transaction sizes increased, managing high-value orders without constraining cash flow became critical to unlocking growth.

By integrating Two’s B2B credit infrastructure, Cutr scaled monthly turnover from €50k–€100k to €1.5M - expanding into larger enterprise opportunities by using financing as a key value add.

The Challenge

Construction-tech is driven by high-value, project-based transactions. Orders are bespoke, production cycles vary, and final deliverables are not always fully defined when the first invoice is issued.

As Cutr grew, two priorities became clear:

• Building predictable, scalable cash flow across larger projects
  
  
• Avoiding the need to build underwriting, credit decisioning, and collections infrastructure in-house
  
  

Traditional banks were not structured for irregular, six-figure, project-based invoicing. Many standard B2B payment providers struggled to support larger transactions where the size of an individual order is material relative to the buyer’s available liquidity.

As Oscar Peppitt, Founder of Cutr, explains:

"None of the competitors I saw were thinking for the use-case where the size of the transaction relative to the customer is so large they can't float it with their own cash flow. In our industry, that's almost every single transaction. Two were very clearly thinking about these sorts of things."

Cutr needed a partner built for that reality.

Why Two

Two provides B2B credit infrastructure designed for high-value commerce and embedded workflows. For Cutr, this meant being able to support six-figure invoices and complex fulfilment structures without slowing down the buying experience.

Beyond capital itself, the partnership was operational. Two’s team worked closely with Cutr on edge cases and escalations, enabling decisions to move at the speed of a technology business rather than traditional banking timelines.

As Oscar describes:

"Every time we've come to Two with a problem, the team has always been really business first and helpful. You're also pretty straight up - you'll say 'hey, having a down month, what's going on?' or 'I don't think we can do this one, what are some other options?' It kind of feels like we have a banking partner that I don't have to line up a coffee with - we can just work at the speed of tech."

The Results

The impact has been measurable across revenue, operations, and working capital.

• Revenue: Cutr scaled to €1.5M in monthly turnover without building a payments and finance team.
• Engineering efficiency: By leveraging Two’s API and credit infrastructure, Cutr avoided building and maintaining a proprietary credit and collections system internally.

As Oscar notes:

"Two has definitely saved us, at a minimum, two engineers over a year - just by having an API that manages all this stuff externally versus us having to build it ourselves."

• Cash flow flexibility: Embedding B2B credit into the platform improved Cutr’s ability to support larger transactions and pursue higher-value projects with greater confidence.

Most significantly, financing became a commercial enabler. The ability to offer flexible payment terms positioned Cutr to compete for contracts that would previously have been difficult to execute - including multi-million-dollar fitouts.

About Cutr 

Cutr is an end-to-end interior production platform that connects interior builders, designers, contractors, and product makers with a trusted network of vetted manufacturing partners, enabling them to upload designs, receive transparent quotes in under five minutes, and manage the entire production process — from samples to mass production — through a single platform, with capabilities spanning CNC milling, laser cutting, edgebanding, finishing, assembly and installation, serving over 350 customers across 12+ countries.

About Two

Two revolutionises B2B payments by making net-term selling as effortless as card payments. With offices across Oslo, Stockholm, Glasgow, London and New York, and partnerships with leading financial institutions, Two has become the trusted B2B payment enabler for companies throughout Europe.

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