B2B Buy Now Pay Later
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What is B2B Buy Now Pay Later?

B2B Buy Now Pay Later (BNPL) is a payment solution that allows businesses to offer their buyers flexible payment terms (typically 30 to 90 days) while the supplier gets paid in full upfront by the BNPL provider. Unlike consumer BNPL (like Tabby or Tamara), B2B BNPL is designed for business-to-business transactions with larger order values.

How B2B BNPL Works with Comfi

Create a deal on Comfi dashboard

You create a deal with the required goods/services and send it to the buyer.

Buyer chooses payment mode & terms

Buyers can pay us across 30, 60 or 90 days through.

Buyer confirms delivery, you receive the money

Once the deal is delivered and buyer confirms it via dashboard, you receive the payout from Comfi.

Buyer pays back to Comfi

Once the tenure is over, buyer pays back to Comfi and gets the recurring credit facility.

Why Suppliers Lose Revenue Without Payment Terms

In the UAE's B2B landscape, payment terms are the norm, not the exception. When you require upfront payment or cash-on-delivery:

Buyers choose competitors — who offer 30–60 day terms

Order sizes shrink — because buyers are constrained by available cash

Repeat purchase frequency drops — buyers batch orders to manage cash flow

New customer acquisition stalls — payment terms are often a qualifying criterion in RFPs

The Revenue Impact Is Real

Studies across GCC B2B markets show that offering payment terms can:

Increase average order value by 15–30%

Recover 20–40% of lost deals that went to competitors with terms

Improve customer retention by 25%+

Reduce the sales cycle by 30% — terms remove the "budget approval" bottleneck

B2B BNPL vs. Extending Credit Yourself