Matthias and Christian founded Billie to reimagine the way that businesses would pay on terms as B2B commerce moves online. Their platform enables merchant partners to offer seamless payment terms and finance to business customers at checkout, and benefit from full credit and fraud risk protection.

Operating at the intersection of fintech and B2B commerce, Billie addresses a massive market: trade credit is one of the largest sources of short-term business financing in Europe. By automating the entire process from real-time credit scoring to payment collection, Billie drives higher conversion rates and larger basket sizes for merchants, and offers buyers more flexible and efficient payment solutions.