Lemonero - Business credit - Stavebniny & DIY

Building Supplies & DIY

Builders and tradespeople want to buy more.

Enable your customers 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 building suppliers

79%

of B2B customers say that payment by invoice is critical to their business

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 building supplies & DIY?

Construction companies, tradespeople, and contractors need materials today, but they only get paid by their clients once the job is done. Business Credit solves exactly this problem.

cash flow

Long payment cycles

Construction projects take months. Tradespeople need materials immediately, but they don't get paid until the job is finished-often 60–90 days later. Deferred payment solves this problem.

higher sales

Higher average order value

Customers with higher credit limits buy more. They purchase everything at once, in one place.

Consolidating purchases with you

More frequent purchases

Customers with active credit return more often than those without. Build loyalty and gain a competitive edge.

Acquisition

Acquisition tool

Invoicing is a key decision-making factor for 79% of business customers. Offer it-and win customers over from your competition.

Approval within 2 minutes

Works in-store, with sales reps, and online

A new customer visits a branch, provides their business ID, and has an approved limit within 2 minutes. It works just as quickly online or over the phone.

100% guarantee

Zero default risk

Lemonero assumes 100% of the risk. If a contractor fails to pay or extends their payment term, we send you the full amount the day after the original due date. We handle all collections.

+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.