Buy now, pay later for B2B customers

Bring the power of Affirm to your sole proprietor customers. Boost conversion and acquire new customers by providing a pay over time solution that gives instant decisions and fair terms—no late fees or compound interest.

The ease of BNPL, now for business purchases

Boost conversion by offering business owners the flexible financing they need.

First of its kind

Affirm has the first buy now, pay later point of sale offering for eligible small businesses. It offers more flexibility, less friction, and instant decisioning unlike traditional business lending products.

Grow your business

Expand your customer base with smarter payment options for eligible small business customers.

Built for small businesses

The same industry-leading buy now, pay later experience consumers know and love—now available for sole proprietor customers.

Superior technology

Our machine learning powered underwriting provides flexible payment options for businesses—at every price point.

How it works

Customize your solution

Select payment options that meet your business needs and suit your customers’ budget.

Manage your risk

We help you minimize risks, including fraud and costly chargebacks.

Enjoy seamless transactions

We pay you upfront—within 1–3 business days from purchase.

Getting started is easy

From sign up to launch, integration with Affirm is simple—and we’re here to help.

Payment solutions for your sole proprietor customers

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Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 0–36% APR based on credit, and is subject to an eligibility check. Affirm Pay in 4 payment option is 0% APR. Options depend on your purchase amount, may vary by merchant, and may not be available in all states. A down payment may be required. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. Affirm savings accounts are held with Cross River Bank, Member FDIC. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681. The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. For licenses and disclosures, see affirm.com/licenses.