Embedded. Fluid.
Risk-savvy.
Creating a world where trade is frictionless
AREA42 creates financial solutions that make trade fluid and risk-savvy. We offer a full suite of working capital solutions for B2B merchants. From payment terms and B2B BNPL to purchase order financing, we’ve got you covered.
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PORTFOLIO of TradeTech Solutions
AREA42's portfolio of solutions
AREA42 has a proven track record of delivering TradeTech innovations, including working capital solutions, a marketplace orchestrator, and a PSP.
Our solutions enable SMEs to build trust with their business partners.
OUR APPROACH To trade technology
The way we trade products and services is changing rapidly.
AREA42 uses TradeTech to help disrupt B2B commerce.
We're a venture builder improving B2B trade by creating customer-focussed products based on new trade technology, connecting people, and helping entrepreneurs.
Innovation Lab
Entrepreneurial minds are the driving forces of change. That’s why we empower TradeTech enthusiasts to discover, validate, and launch a business.
We build ventures & solve real customer problems ->
Ventures
We love teaming up with fellow TradeTech fanatics - are you a founder or an investor looking to collaborate and grow a business focused on trade technology?
AREA42's ventures portfolio ->
Resources
Whether you’re new to the industry or an old-timer: we’ve got you covered with our whitepapers, reports, blog posts and other TradeTech content.
Learn with AREA42 ->OUR APPROACH To improving b2b trade
AREA42's solutions & innovations
The way we trade products and services is changing rapidly.
Innovation is in our DNA. AREA42 uses TradeTech to help disrupt B2B commerce.
Our working capital solutions not only provide short-term financing but also enable SMEs to build trust with their business partners.
Terms.Tech
B2B Buy Now, Pay Later solution offering working capital financing to your buyers.
You get paid upfront, increase sales, and order volume.
Your customers get up to 120 days to pay.
GrowKap
Purchase order financing for growing companies with increased working capital needs.
We fund your supplies upfront so you grow.
You take on bigger orders than before.
Innovation Lab
We create risk-savvy financial solutions for European SMEs doing B2B trade.
We experiment and launch new customer-centric trade solutions and turn trade technology innovations into growth engines.
TradeTEch Innovation LAB AND VENTURES programmes
Continually improving trade
Turning customer ideas into innovative solutions to disrupt and improve B2B trade.
Innovation | LAB42
AREA42's innovation lab and product accelerator. We validate and solve real customer problems. We optimise our current working capital products and build new TradeTech ventures.
-> Innovation Lab
Ventures
AREA42 has a track record of creating trade innovations, from working capital solutions to PSPs and marketing marketplace orchestration.
Explore our ventures portfolio.
Download our latest report
EVENTS
Connect with us at an upcoming event
Join AREA42 and our embedded working capital TradeTech products at an event near you or online.
We love sharing knowledge and meeting like-minded people interested in trade technology!
AREA42 at E-Commerce Expo Berlin 2026
AREA42 to attend Europe’s leading e-commerce event: E-Commerce Berlin Expo 2026. Find us at stand E27 for short-term B2B financing solutions! Feb 17-18, 2026.
Apply now ->
CFO of tomorrow: AREA42 co-hosts this Fintech Belgium meetup
The CFO of Tomorrow embodies a visionary mindset that embraces agility, innovation and strategic leadership. AREA42 co-hosts this FinTech Belgium event.
Apply now ->