LEMONERO BUSINESS CREDIT
Sell more on invoice, with no credit risk
Let your customers pay by invoice, with higher limits and flexible payment terms. Lemonero handles scoring, financing, and receivables. You sell more and always get paid on time.
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100%
Always paid on time
10-25%
increase in B2B revenue
3x
more profitable model
2 min
credit limit approval
5,500+
companies financed
3B+
CZK financed
2 min
financing approval
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
Industrial Supplies
Automotive
Agriculture
Food & Beverage
B2B marketplace
Transport & Logistics
Pharmaceuticals

Results of Our Partnership

How has B2B segment performance changed?
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

How does it work?

Service Activation
Online or in-store. Lemonero performs KYC/AML and scoring in real time.
Instant Credit Limit Approval
The customer knows their credit limit within minutes and can start shopping.
Purchase
Business Credit appears as a payment method in your e-shop or B2B portal, while the invoicing process at brick-and-mortar stores remains identical.
Receivables Management
If a client fails to pay by the due date or extends the payment term themselves, Lemonero pays out 100% of the outstanding amount and handles the debt collection. You bear no risk.
Deferred Payment
Deferred payment helps customers bridge cash flow gaps. Thanks to high credit limits and deferred due dates, customers buy more.

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
Contact us

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 company, 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.
Increase your revenue, customer loyalty, and average order value. All risk-free and with funds always on time.
Find out why thousands of companies use Lemonero services.
Contact us
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