Balance, a New York-based financial infrastructure platform leveraging AI for B2B commerce, has launched “Pay Later for Business” on Alibaba.com.

The embedded financing solution aims to provide SMEs in the US with improved purchasing power and greater flexibility in managing payments.

US users of Alibaba.com can now access instant credit at checkout, with eligible businesses able to finance their purchases directly.

The solution is underpinned by Balance’s AI-driven risk infrastructure, which enables real-time credit assessment and approval, including for SMEs typically underserved by conventional financing providers.

“Flexible B2B payments are essential for business customers who want to grow,”

said Yiran Li, Head of Customer Retention Strategy at Alibaba.com US.

“By embedding Balance directly into our checkout, we’re making it easy for customers to buy on their terms, without being limited by cash flow constraints.”

Bar Geron, CEO and Co-founder of Balance, said,

“In tight economic conditions, and especially with the added strain of tariffs, access to financing can make the difference between surviving and thriving,”

“We’re proud to partner with Alibaba.com and power a solution that helps its US users grow their businesses with confidence.”

This development follows Balance’s collaboration with Instacart Business, where it supports embedded invoicing and net terms for business users.

The addition of Alibaba.com extends Balance’s reach across major B2B platforms.

Through integrated BNPL and invoice-based payment options at checkout, Balance aims to support vendors in increasing conversions, average order values, and customer retention, without incurring credit risk or added operational burden.

Featured image credit: Edited by Fintech News America, based on image by thanyakij-12 via Freepik