Moneta
An In-Purchase Financing & Instant Financing
Solution For B2B Businesses
Sell more by making it easier to pay with
Moneta. All your customers can pay upfront
and have the option to pay over 3 instalments.
You get paid upfront every time!
The Problem
Imagine walking out of Starbucks with a coffee and saying, “I’ll pay you in three months”. This
is what currently happens in B2B.
Most of the time B2B businesses give short-term credit to their customers in form of deferred
payments of invoices. This deferred payment is commonly referred to as ‘net terms’ in many
industries, and it describes a payment delay of 30, 60, or 90 days that has come to be
expected by business customers.
Slow payments are the single biggest risk to small suppliers’ business. In the UK alone, they
affect 77% of small suppliers and cause 50,000 to close every year. The problem is global and
getting worse.
In effect, business sellers are required to act like a bank. And yet when these small B2B
businesses need help to finance their cash flow or growth, they still face long waits, endless
forms and absurdly rigid criteria.
Our Solution
END-TO-END IN-PURCHASE FINANCING
SOLUTION
EASY AND FAST FINANCING TO HELP GROW YOUR
BUSINESS
SELL MORE BY OFFERING INSTANT PAYMENT
TERMS. WIN MORE BUSINESS BY PROVIDING
YOUR TRADE CUSTOMERS WITH THE ABILITY
TO BUY NOW PAY LATER. WE SOLVE FOR THE
CREDIT CHECKING PROCESS, PROVIDE INVOICE
FINANCING, AUTOMATE ACCOUNTS
RECEIVABLE PROCESSES, AND SPEED UP
PAYMENTS PROCESSING..
INSTANT FINANCING SOLUTION THAT DELIVERS B2B
BUSINESSES THE LIQUIDITY AND FUEL TO GROW BASED
ON THEIR RECENT PERFORMANCE. AND THE REPAYMENT
AMOUNT IS A PERCENTAGE OF REVENUES NOT A FIXED
MONTHLY RATE. GET ACCESS TO FUTURE REVENUES
ALREADY TODAY - INVEST YOUR INSTANT FINANCING INTO
YOUR BUSINESS AND REPAY WITH YOUR ADDITIONAL
FUTURE SALES.
Why Now
The B2B eCommerce market — $7 trillion and growing — is ripe for transformation. Business buyers
want the same digital experience they get as consumers and business merchants are looking for
every opportunity to make their customer relationships stickier, increase average order size, and
capture a larger share of wallet. The market is grossly underserved and there is a huge opportunity
for the right solution.
Arguably more important is that small business buyers need access to affordable credit and financing
options. Financing has always been a challenge for small businesses, and COVID has only exacerbated
the problem.
In this environment, the need for liquidity and access to capital have never been greater. Small
businesses need more flexible alternatives to traditional business loans that are better suited to their
specific needs.
Market Size
$220 billion
$901 billion
$7 trillion
Target Market
Served Addressable Market
Total Available Market
UK B2B eCommerce
market
Europe B2B
eCommerce market
Global B2B eCommerce
market
Competitive Analysis
Funding Circle
Moneta
Buy Now, Pay Later for B2B
eCommerce marketplaces
In-Purchase Financing + Instant
Financing for B2B Businesses
Small Business Lending for B2B
Businesses
Frictionless checkout experience & Guaranteed payment
Our real-time underwriting means no lengthy credit
checks, and customers can access credit instantly... even
on their first visit. Also, we protect you against nonpayment and take care of the hassle of collections and
chasing late payments. No more worrying about your
cash-flow.
Get access to future revenues already today
No matter your capital needs - replenish your inventory,
fund a marketing campaign, overcome slower sales
periods - Moneta has your back. Invest your instant
financing into your business and repay with your
additional future sales.
Product
Moneta is a pay-later solution integrated into merchants’
checkout points. Moneta allows B2B businesses to get paid
upfront - while their business customers can pay in 30, 60, or
90 days.
Moneta’s instant financing solution delivers small businesses the
liquidity and fuel to grow - digital, around the clock. Businesses
can be freelancers, e-commerce merchants, craftsmen or
restaurants.
Business Revenue Model
Pay Now doesn't cost a penny for businesses or their customers
Businesses pay a flat 3% for any invoice settled using Pay Later (Pay in 30-60-90
days) option.
The first 30 days are interest free for businesses that use the Pay Later option- after
that they’ll just pay for the extra time they use, there’s no fees for settling early.
One-time fixed fee with no additional costs for Instant Financing.
Use of Proof-of-Concept Funding
£50,000
❑ Develop the Minimum Viable Product – build the BNPL platform and integrate with key partners
(Nordigen, Banxware, Innovantics, and a Small Business Bank).
❑ Guerilla marketing for Early Customer Acquisition