2025 Product Year in Review

In 2025, we shipped features that got more buyers approved, increased their purchasing power, delivered an even better buyer experience, and gave you sharper insight into program performance.

Here's what we delivered.

Credit application optimization: Driving higher completion and approval rates

We introduced Pre-Approval capabilities that leverage transaction history to show eligible buyers what they qualify for upfront, driving 2.3x higher completion and 2.4x higher approval rates.

We also expanded the pathways to approval, enabling buyers to leverage their real-time e-commerce performance (e.g. Shopify and Amazon) and business owner details. This enriched data profile has directly resulted in higher approval rates.

Automated and self-serve credit limit increases: Maximizing revenue growth

Our Real-Time Credit Management engine now automatically adjusts limits based on utilization and repayment behavior, ensuring purchasing power grows in line with real demand. This approach is delivering tangible growth: 87% of buyers who received an auto-increase increased their monthly spend, with average spend rising by nearly 56% within three months.

Additionally, we introduced Self-Serve Limit Increase Requests, allowing buyers to proactively request increased purchasing power through the Buyer Portal to support seasonal peaks or growth projections. This ensures capital is available exactly when the buyer anticipates a need that historical data may not yet reflect.

Instant bank verification: Removing friction from low-cost ACH

To help you drive adoption of cost-effective ACH payments, we removed the barrier of bank logins and slow micro-deposits. Using Real-Time Payment (RTP) rails, buyers can now verify accounts instantly with just a routing number. This makes ACH setup as fast as a credit card, simplifying both onboarding and updates.

A payment experience buyers love (NPS 89)

In 2025, we aligned our platform with your buyers' internal procurement and AP cycles through Consolidated Invoicing. We also introduced Batch Payments, allowing buyers to settle multiple invoices in a single transaction, reducing processing costs and significantly simplifying reconciliation.

We gave buyers more control and helped them avoid delinquency with improved Autopay and Default Payment Management. To support these "set-and-forget" workflows, we added Instant Funds Checks and Expired Card Alerts. These proactive safety rails flag potential issues before a payment is attempted, preventing accidental failures and keeping buyers in good standing.

Together, these enhancements contributed to a Net Promoter Score (NPS) of 89.

Flexible risk coverage: Get paid when you need to

We expanded our trade credit solution with DSO Protection to give you precise control over payment timing. You can now choose to be paid on the invoice due date or later at a reduced fee if you only need risk coverage and cash flow predictability. We underwrite upfront and assume all risk, guaranteeing your payment date and eliminating bad debt without the hassle of filing claims.

Automated payment plans: Smart retention

We turned collections into a retention tool. Instead of immediately suspending late payers, we now offer structured installment plans based on repayment history. While a plan is active, standard collection emails are snoozed, creating a supportive path to resolve debt. This keeps buyers in good standing and preserves the relationship, rather than forcing a churn event.

Greater visibility & easier action powered by AI

We equipped your teams with better tools to visualize performance and take immediate action.

With Enhanced Buyer Insights, we added enriched data, custom filters, and configurable segments to the dashboard, making it easier to spot trends and prioritize accounts.

We also introduced the Balance MCP Server, allowing teams to query live payment, credit, and buyer data - and take action - directly from their preferred chat interface for faster, real-time execution.