Business credit - Agriculture

agriculture

Deferred payment for farmers and agricultural businesses - from seeds to equipment

Enable farmers and agricultural businesses to pay by invoice with higher limits and flexible payment terms. Lemonero handles the scoring, financing, and receivables. You sell more and always get paid on time.

Benefits for agriculture

68%

of agricultural businesses manage seasonal cash-flow fluctuations with deferred payments

Trusted by companies worldwide

What is Business Credit

Business Credit is a payment method and invoice-purchase technology integrated directly into your e-shop or B2B portal, where AI scoring approves a new customer's limit within 2 minutes. Customers can defer payment by 30-90 days or split it into installments. You always get paid on time, with no risk of non-payment.

Where Business Credit works best

Building Materials & DIY

Transport & Logistics

Pharmaceuticals

Why Business Credit in agriculture?

Farmers buy in large seasonal volumes and need flexible payment terms aligned with their harvest. Business Credit makes this possible-and ensures you have stable sales all year round.

Cash flow

Pre-season shopping without cash flow stress

Farmers need seeds and fertilizers in the spring, but they don't receive income until after the harvest. Business credit allows them to buy now and pay later.

No waiting

Financing for agricultural machinery and spare parts

From plows to GPS navigation, farmers are constantly investing in equipment. With credit, they can buy immediately without waiting for subsidies or bank loans.

Buying at the right time

Timely purchase = higher yield

A one-week delay in the delivery of seeds or supplies can reduce future yields. Use your available credit whenever you need it.

all purchases from you

Consolidation with a single supplier

Farmers shop where they can defer payment. Offer high limits so they don't shop with the competition.

acquisition

Scoring even for small farms

Our AI scoring evaluates even smaller businesses without a purchase history. You can serve family farms and beginning farmers with zero risk on your end.

100% guarantee

Protecting supplier cash flow

You receive payment by the original due date, even if the customer extends their payment term. In the event of non-payment, Lemonero will cover 100% of the receivable the day after the original due date.

+11%

increase in average order value

0% risk

Lemonero assumes all risk

0 €

your collection costs

How does it work?

Results of Our Partnership

How has B2B segment performance changed?

“The speed and quality with which Lemonero prepared the solution, along with their immediate response to the ever-changing requirements of both us and our customers, were truly excellent. Thanks to their solution, we now offer a product that relieves our customers of cash flow worries and boosts the overall performance of our B2B segment.”

Lada Šmolková, MSc.

CFO Hornbach CZ/SK

Results of our partnership

+12 %

increase in B2B revenue after implementing Business Credit

+ 31 %

increase in active B2B customers

2 min

average limit approval time

0 %

loss from unpaid receivables for Hornbach

Key benefits of Business Credit

More sales for you. Higher credit limits and flexibility for your customers.

What you get

Up to 2.5× higher credit limits - higher limits create room for larger and more frequent orders.

Up to 10-25% higher B2B invoice sales - more approved customers and higher purchasing power drive revenue growth.

0% credit risk on approved invoices - Lemonero bears the risk of non-payment.

Payment the day after the due date - You receive funds according to the agreed terms without waiting for the customer to pay.

Lower operating costs - Lemonero handles scoring, receivables management, payment reminders, and any necessary collections.

What your customers get

Limit approved in minutes - Both registration and evaluation take place online.

Higher available credit - Broader data analysis allows us to finance customers who would receive lower limits with traditional solutions.

Payment deferral of up to 30-90 days - customers can better align their purchases with their cash flow.

Option to split payments - Larger purchases don't have to strain your operating budget all at once.

Want to learn more?

Feel free to get in touch

Online and offline. Wherever your customers are.

Activate invoice-based purchasing for new customers anytime, anywhere-digitally or in person. Business credit serves as a payment method both online and in-store.

ONLINE ACTIVATION and purchasing

Website, e-shop, B2B portal

The customer sees the invoice payment option directly in your digital environment-on your website, e-shop, or B2B portal. They verify their company ID and contact details, then sign the agreement electronically. Their limit is approved within 2 minutes, and they can shop immediately. Use it as a payment method both online and in-store.

E-shop

B2B portal

Website

in-store activation and purchase

Store, sales representative, phone

The customer visits your branch or is approached by a sales representative. Activation happens on the spot via tablet or another device-the same process, the same speed. It also works over the phone with assisted registration. The customer chooses the invoice payment option directly at the store.

store

Sales representative

Phone

computer

We handle everything-a complete turnkey service.

Lemonero replaces your insurance provider, credit management, collection agency, and legal department. All in one solution.

Customer registration and verification

Company identity verification, registry checks, and compliance-all automated during customer registration.

AI Scoring & limits

Our proprietary AI scoring model evaluates hundreds of data points in real time. Limits are 1.5–2.5x higher than the industry average.

Receivables management

Monitoring due dates and collecting overdue receivables. Zero effort on your part.

Collections & dunning

If a customer fails to pay, we take over the entire dunning and collection process. You receive your money the day after the due date.

Customer care

A trained team for your customers. Handling inquiries about limits, due dates, and payments-we are always ready to help.

Integration & administration

API, ERP connectors, POS portal for branches. A clear dashboard with up-to-date overviews and reporting.

An AI Scoring Engine trusted even by banks.

Insurance companies and banks score businesses based on financial statements and registries. We go deeper-we see the company's true health, not just its past.

That is why we approve higher limits, faster, even for companies that insurance providers would reject. And that is why our scoring is used by leading financial institutions, not just retail partners.