Lemonero - Business credit

AUTOMOTIVE

Sell more to repair shops and local auto parts retailers.

Repair shops and authorized dealers buy parts, tires, and accessories daily for tens of thousands. Offer them deferred payment with instant approval-you will increase purchase volume, eliminate churn to competitors, and automate your processes.

Benefits for automotive

68%

of repair shops and workshops prefer suppliers with deferred payment terms

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 for automotive?

Repair shops need spare parts today, but they pay only after they get paid by their own clients. Business Credit solves exactly this problem.

Order

Daily spare parts purchases

Repair shops need parts immediately. With credit, they can order now and handle payment later, without deposits.

seasonal preparation

Seasonal bulk orders

Tire changes, winter prep, summer season-repair shops need to stock up for hundreds of thousands. Credit allows them to do this without straining their cash flow.

One invoice for the entire fleet

Fleet management & B2B fleets

Fleet managers buy parts and service for dozens of vehicles. A credit account simplifies their management and consolidates billing.

Consolidating purchases with you

Auto repair shop networks as customers

Auto parts distributors sell to hundreds of repair shops. Each one can have its own credit limit-approved within 2 minutes with no paperwork.

Approval within 2 minutes

No more upfront payments

Smaller service providers lack the cash flow for upfront payments. Without deferred payment terms, they go where they are offered a higher credit limit. Business Credit keeps them with you.

100% guarantee

Zero risk for the distributor

Lemonero assumes 100% of the default risk. You receive payment immediately-even if the service provider pays after the due date. If they don't pay, we do.

+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.