Balance, an AI-driven financial infrastructure platform for B2B commerce, has announced a new partnership with Alibaba.com to launch “Pay Later for Business”, a flexible, embedded financing option now available to Alibaba.com’s U.S. users at checkout. This solution enables eligible small and medium-sized enterprises (SMEs) to access instant credit, giving them greater flexibility and purchasing power when managing business expenses.
Through Balance’s advanced AI risk engine, the platform offers real-time credit assessment with high approval rates, particularly benefiting SMEs that often face challenges securing traditional financing. The integration allows buyers to finance purchases directly at checkout, helping improve cash flow and reduce barriers to business growth.
“Flexible B2B payments are essential for business customers who want to grow,” said Yiran Li, Head of Customer Retention Strategy at Alibaba.com U.S. “By embedding Balance directly into our checkout, we’re making it easy for customers to buy on their terms, without being limited by cash flow constraints.”
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Bar Geron, CEO and Co-founder of Balance, emphasized the importance of accessible credit, stating, “In tight economic conditions, and especially with the added strain of tariffs, access to financing can make the difference between surviving and thriving.”
This partnership builds on Balance’s recent collaboration with Instacart Business and reflects the company’s continued effort to modernize B2B transactions through seamless, risk-free financing tools. By embedding BNPL and pay-by-invoice capabilities into merchant checkouts, Balance is helping platforms boost conversion rates, increase average order values, and strengthen customer loyalty—all without adding operational complexity.