AREA42 is creating a frictionless B2B trade environment with its short-term B2B trade financing and payment solutions

SHORT-TERM B2B TRADE FINANCING

Increase sales & grow your business

AREA42 creates working capital 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 and invoice financing, we’ve got you covered.

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Our trusted partners and ecosystem

Credendo logo GreenGO logo Portomundi logo Digiteal logo Humanoid logo DCA Distribution logo

Balance your cash flow & working capital needs

AREA42’s vision is to create a world where trade is frictionless. Our working capital solutions help to solve your cash flow headaches and strengthen your cash position.

B2B Buy Now, Pay Later payment terms solution enabling e-commerce and marketplaces to offer working capital financing to buyers. Your customers have 30, 60, 90, or 120 days to pay.

Increase sales with payment terms

Provide credit to your buyers

Increase cart value & sales

Get paid upfront, increase sales volume.

Your customers get up to 120 days to pay.

We finance your invoices: issue and get paid for your invoices early. Allow your big buyers to maintain long payment terms. A transaction-based solution without factoring.

Get more deals from big buyers

Bridge working capital gaps

Increase deals with big buyers

Purchase order financing for growing companies with increased working capital needs who have to purchase supplies to deliver bigger orders from bigger customers.

Grow your business with PO financing

Accept bigger orders

We pay your suppliers upfront

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Continually innovating trade

The way we trade products and services is changing rapidly. We turn customer ideas into innovative TradeTech solutions to disrupt and improve B2B payments and trade.

AREA42 constantly addresses and innovates the relationship between buyers and sellers.

Innovation Lab
LAB42 logo for AREA42's customer-centric tradetech innovation lab

Customer-centric innovation

Validating & solving real customer problems.

Optimising our current working capital solutions.

Building new
TradeTech ventures.

Insights

Download our publications

How to choose a B2B BNPL provider

How to choose a B2B BNPL provider

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AREA42

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7 ways to increase cart conversion in B2B e-commerce

7 ways to increase cart conversion in B2B e-commerce

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AREA42

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Lower your DSO with B2B BNPL

Lower your DSO with B2B BNPL

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AREA42

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Read our latest blog articles

Risk management with machine learning for SMEs

Risk management with machine learning for SMEs

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AREA42

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Purchase order financing FAQs

Purchase order financing FAQs

Gregory Gobel

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Customer-centric trade innovation

Customer-centric trade innovation

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AREA42

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AREA42’s events – let’s connect!

Meet AREA42 and get to know our working capital solutions at an event near you or online.

Where we’ll be next
17 February 2026 | E-commerce Berlin Expo 2026

17 February 2026 | E-commerce Berlin Expo 2026

Improve your working capital position! AREA42 (Wouter Versonnen and Benoit Langue) will be at E-Commerce Berlin Expo 17 & 18 February 2026 – Stand E27.

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27 May 2025 | CFO of tomorrow

27 May 2025 | CFO of tomorrow

The CFO of Tomorrow embodies a visionary mindset that embraces agility, innovation and strategic leadership. AREA42 co-hosts this FinTech Belgium event.

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FAQs about AREA42

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AREA42’s working capital solutions are only for B2B. Our focus is on creating a frictionless and risk-savvy B2B trade environment.

AREA42 offers B2B Buy Now, Pay Later (BNPL) with TermsTech. This solution enables merchants with e-commerce or marketplaces to offer their customers deferred payment terms at checkout.

AREA42 also offers purchase order financing with GrowKap. This helps growing companies take on bigger orders from big buyers.

And, with Facturflow, AREA42 provides an invoice financing solution that disrupts the traditaional factoring model.

AREA42 is based in Belgium and works with business customers throughout the European Economic Area (EEA) plus Switzerland.

Back by Credendo, AREA42 draws on over 100 years of experience, reliability, and trustworthiness.

All of our short-term financing solutions include a trade credit insurance.

AREA42 puts heavy emphasis on its Customer Success initiatives. AREA42 is not successful if our customers aren’t successful.

With LAB42 (AREA42’s customer-centric innovation lab), we are continually upgrading and enhancing current working capital solutions and identifying real-world trade problems.

Just fill out our contact form or set up a meeting – see the Contact us buttons just below this answer.

Contact us

Hi, I’m Wouter!

I’d love to discuss how we can help your operation with our working capital solutions. I’m looking forward to meeting you and answering all of your questions about AREA42.

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