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# AREA42: Solving working capital needs in Europe

## Sitemaps
[XML Sitemap](https://area42.tech/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [BNPL for pet food and accessories](https://area42.tech/industry-use-case/b2b-bnpl-pet-food-accessories/): How can B2B pet food companies shore up their cash flow and working capital position? With AREA42's TermsTech, the European B2B BNPL & payment terms solutions.
- [22-24 June 2026 | spoga+gafa](https://area42.tech/event/spoga-gafa-2026/): spoga+gafa attendees improve cash flow with AREA42's B2B financing solution, TermsTech. Garden furniture & grilling sector merchants can offer B2B BNPL.
- [What is reverse factoring? And how it differs from B2B BNPL](https://area42.tech/blog/reverse-factoring-vs-bnpl/): Reverse factoring and B2B Buy Now, Pay Later (BNPL) are trade finance tools to help improve cash flow. How do they differ? Which one is for you?
- [Payment solutions for B2B? Thrive with the right one](https://area42.tech/blog/payment-solutions-b2b/): Payment solutions for B2B are invaluable. But, are you using the right one? Delayed payment terms (BNPL), your own treasury, or bank loans?
- [How B2B marketplaces find success with buy and pay later](https://area42.tech/blog/marketplaces-find-success-with-bnpl/): How do B2B marketplaces leverage buy and pay later services to drive success, enhance cash flow, and foster long-term customer relationships?
- [Invoice factoring vs. B2B BNPL](https://area42.tech/blog/invoice-factoring-vs-b2b-bnpl/): Key differences between invoice factoring and B2B Buy Now, Pay Later (BNPL). Boost cash flow. Increase sales. Drive your business forward!
- [Beware of 6 trade risks for your B2B operation in 2026](https://area42.tech/blog/top-trade-risks-b2b-sme/): Top trade risks for B2B small businesses are credit risk, compliance risk, shipping risk, exchange risk, IP risk and reputational risk. BNPL reduces risk.
- [What is B2B payment collection?](https://area42.tech/blog/what-is-b2b-payment-collection/): Customer-centric trade innovation is at the core of what AREA42 does: driving digital transformation to create customer-centric trade finance solutions!
- [7 ways to increase your B2B cart conversion](https://area42.tech/blog/7-ways-to-increase-your-b2b-cart-conversion/): Problems getting people to click 'Submit order' in your B2B e-commerce platform? AREA42 provides you with 7 ways to increase cart conversion!
- [5 May 2026 | CFO Day 2026 by House of Executives](https://area42.tech/event/house-of-executives-cfo-day-2026/): AREA42 co-sponsors House of Executives' CFO Day 2026. 'Beyond the line' challenges CFOs to change their perspectives and shift the lines that constrain them.
- [Incredible industry use cases for B2B BNPL payment terms](https://area42.tech/blog/industry-use-cases-b2b-payments/): Payment terms for any industry with TermsTech's B2B BNPL solution. We support all types of B2B marketplaces and merchants. Check out our industry use cases.
- [Lower your DSO and improve your cash flow](https://area42.tech/blog/lower-dso-improves-cash-flow/): Days Sales Outstanding is the average time a business waits to receive payment. Do you use B2B payment terms and BNPL to lower DSO and increase cash flow?
- [4-6 March 2026 | KEY Energy Transition Expo](https://area42.tech/event/key-energy-transition-expo-2026/): Improve your working capital position! AREA42 Sales Executive, Wouter Versonnen, will be at Key Energy Transition Expo 2026 (4-6 March). See you at KEY 2026!
- [PSD3 to digitally transform EU financial sector](https://area42.tech/blog/psd3-digital-transformation-eu/): The European Commission has proposed PSD3 and PSR, updating the Payment Service Directive. What do you know about the new proposal?
- [How to choose a B2B BNPL provider](https://area42.tech/publication/how-to-choose-your-b2b-bnpl-provider/): Looking for a B2B BNPL provider? Download AREA42's insights sheet for tips on making the right decision. TermsTech is trustworthy, robust, easy to use.
- [Cash flow & BNPL assessment for B2B e-commerce](https://area42.tech/tool/cash-flow-bnpl-assessment-b2b-ecommerce/): Get a cash flow & BNPL assessment for e-commerce from AREA42. Improve your cash flow, reduce risk, and increase B2B conversion in a short, data‑driven review.
- [BNPL for shipping and logistics](https://area42.tech/industry-use-case/b2b-bnpl-shipping-logistics/): How can shipping & logistics businesses shore up their cash flow and working capital position? With AREA42's TermsTech: BNPL and payment terms soltuions.
- [BNPL for food and beverage](https://area42.tech/industry-use-case/b2b-bnpl-food-beverage/): Hungry to improve cash flow? Thirsty for B2B BNPL? AREA42's TermsTech enables food and beverage industry businesses to offer flexible, deferred payment terms.
- [BNPL for events and hospitality](https://area42.tech/industry-use-case/b2b-bnpl-events-hospitality/): Are you in the events, hospitality, or tourism related industry? Learn more about TermsTech's B2B BNPL and payment terms solutions to improve your cash flow.
- [BNPL for electronics](https://area42.tech/industry-use-case/b2b-bnpl-electronics/): Businesses in the agriculture industry benefits from TermsTech’s innovative BNPL solution: offer payment terms to improve cash flow, increase sales, and grow.
- [BNPL for agriculture](https://area42.tech/industry-use-case/b2b-bnpl-agriculture/): Businesses in the agriculture industry benefits from TermsTech’s innovative BNPL solution: offer payment terms to improve cash flow, increase sales, and grow.
- [BNPL for automotive and auto parts](https://area42.tech/industry-use-case/b2b-bnpl-automotive/): European automotive industry and B2B auto parts businesses benefit from Terms.Tech's B2B BNPL payment terms. Rev up cash flow and sales!
- [BNPL for retail](https://area42.tech/industry-use-case/b2b-bnpl-for-retail/): European retailers and their suppliers benefit from Terms.Tech's B2B BNPL payment terms. Improve cash flow, sales! Decrease risk, late payments!
- [Risk management with machine learning for SMEs](https://area42.tech/blog/risk-management-machine-learning-sme/): Risk management in B2B trade is a real struggle for SMEs. AREA42 uses AI via machine learning in its TradeTech solutions to assess credit risk.
- [Purchase order financing FAQs](https://area42.tech/blog/purchase-order-financing-faqs/): What is purchase order financing? How does it work? Who benefits from PO financing? How does it help your company grow? Can you use factoring and PO financing?
- [How to ensure B2B sales success](https://area42.tech/interview/b2b-sales-success/): How can you ensure successful B2B sales? Wouter Versonnen, AREA42's Sales Manager, provides some answers and discusses.
- [Customer success drives value in B2B financing solutions](https://area42.tech/interview/customer-success-drives-value-b2b-financing-solutions/): How does customer success drive value in B2B financing solutions? Rron Ulaj, AREA42's Head of Customer Success, provides answers and even more in this interview.
- [Customer-centric trade innovation](https://area42.tech/blog/customer-centric-trade-innovation/): Customer-centric trade innovation is at the core of what AREA42 does: driving digital transformation to create customer-centric trade finance solutions!
- [How trade technology makes it easier to do business](https://area42.tech/blog/trade-technology-makes-business-easier/): Trade technology, innovating and applying tech to streamline B2B trade and payment operations, makes business easier to do. Learn more about TradeTech here.
- [7 ways to increase cart conversion in B2B e-commerce](https://area42.tech/publication/increase-cart-conversion-b2b/): Are your B2B e-commerce cart getting abandoned. Download AREA42's 7 ways to increase cart conversion insights sheet so your customers will place their orders.
- [What is TradeTech?](https://area42.tech/blog/what-is-tradetech/): TradeTech describes innovations in digital technology that respond to trade challenges. AREA42 introduces you to TradeTech here.
- [17 February 2026 | E-commerce Berlin Expo 2026](https://area42.tech/event/e-commerce-expo-berlin-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.
- [BNPL for food production](https://area42.tech/industry-use-case/b2b-bnpl-food-production/): European food production businesses benefit from Terms.Tech's B2B BNPL payment terms. Improve cash flow, sales! Decrease risk, late payments!
- [BNPL for medical devices](https://area42.tech/industry-use-case/b2b-bnpl-medical-devices/): The medical devices industry benefits from TermsTech's B2B BNPL payment terms. Improve sales! Decrease risk! And, have a healthy cash flow!
- [BNPL for paper and forest products](https://area42.tech/industry-use-case/b2b-bnpl-paper-forest-products/): European paper and forest products industries face tough times. But, companies benefit with TermsTech's B2B BNPL payment terms: boost sales and cash flow!
- [BNPL for packaging and containers](https://area42.tech/industry-use-case/b2b-bnpl-packaging-containers/): The packaging and container industry benefits from TermsTech's B2B BNPL payment terms solutions: boost sales, lower risk, and improve cash flow!
- [BNPL for furniture](https://area42.tech/industry-use-case/b2b-bnpl-furniture/): The furniture industry benefits from TermsTech's B2B BNPL solutions, which help manufacturers and wholesalers boost sales and improve cash flow.
- [The best Hokodo alternative in Europe for B2B payments](https://area42.tech/alternative/hokodo-alternative-b2b-payments-bnpl/): Looking for a Hokodo alternative? Terms.Tech is your European B2B BNPL choice for payment terms. Increase cash flow, sales, conversion, growth! Lower stress!
- [Lower your DSO with B2B BNPL](https://area42.tech/publication/lower-your-dso-b2b-bnpl/): Want to lower your DSO? AREA42's mini guide provides you with 3 ways that B2B BNPL can lower your DSO, some added benefits, and compares before vs. after.
- [BNPL for agricultural machinery](https://area42.tech/industry-use-case/b2b-bnpl-agricultural-machinery/): The agricultural machinery industry benefits from TermsTech's B2B BNPL solutions: boost sales, stabilise finances, and improve cash flow.
- [BNPL for construction](https://area42.tech/industry-use-case/b2b-bnpl-construction/): Construction companies receive payment on average more than 3 months after invoicing. TermsTech helps construction companies get paid much faster than that!
- [European SMEs: selling & financial health report](https://area42.tech/publication/european-smes-selling-financial-health-report/): Selling in B2B is full of risks! We surveyed 400+ European SMEs. What do they think about financial health, payments after delivery, reliability checks?
- [The SME cash flow survival guide](https://area42.tech/publication/sme-cash-flow-survival-guide/): Want to improve your cash flow? Cash flow is still king for European SMEs. AREA42's SME Cash Flow Survival Guide gives you tips on how to increase cash flow.
- [Scalable risk model needed for B2B payment terms](https://area42.tech/blog/b2b-payment-terms-scalable-risk-model/): AREA42's product and fraud expert, Jessica Nemeth, gives insights on B2B payment terms and calls for the need for a scalable risk model for B2B transactions.
- [Why have unpaid invoices? Now get paid when you deliver](https://area42.tech/blog/unpaid-invoices-solved-with-bnpl/): Unpaid invoices are a huge headache for B2B companies. Let’s take a look at how a buy now, pay later service could be the right painkiller.
- [The Essential B2B Payments Glossary – no jargon!](https://area42.tech/blog/b2b-payments-glossary/): Here's your one-stop B2B payments glossary. We cover what you need to know for B2B BNPL and more traditional approaches to B2B payments. Jargon free!
- [Top 2025 B2B payment service: 8 ways BNPL drives success](https://area42.tech/blog/top-b2b-payment-service/): B2B companies are looking for a reliable and flexible payment service to grow business and thrive. Terms.Tech provides payment terms via B2B BNPL for ecommerce.
- [The best Two alternative in Europe for B2B payments](https://area42.tech/alternative/two-alternative-b2b-payments-bnpl/): Looking for a Hokodo alternative? Terms.Tech is your European B2B BNPL choice for payment terms. Increase cash flow, sales, conversion, growth! Lower stress!
- [27 May 2025 | CFO of tomorrow](https://area42.tech/event/cfo-of-tomorrow-meetup/): The CFO of Tomorrow embodies a visionary mindset that embraces agility, innovation and strategic leadership. AREA42 co-hosts this FinTech Belgium event.
- [Deferred payments with Buy Now, Pay Later for B2B businesses: FAQs](https://area42.tech/blog/faqs-deferred-payments-buy-now-pay-later-b2b-businesses/): Do you know how B2B BNPL deferred payments differ from B2C? How does B2B BNPL reduce risk, support marketplaces, and help cash flow?
- [From credit risk to financing trade: AREA42’s evolution](https://area42.tech/interview/credit-risk-to-financing-trade-area42-evolution/): Lode from AREA42 discusses innovative working capital solutions for B2B trade, moving beyond traditional credit insurance and factoring. Contact him for help!
- [AREA42 at Shop le Salon 2025](https://area42.tech/event/shop-le-salon-b2b-payment-terms/): SHOP! le Salon 2025 is a key gathering for professionals in POS retail marketing. AREA42's Benoit Langue is there to help improve your cash flow and payments!
- [The best Tilta alternative in Europe for B2B payments](https://area42.tech/alternative/tilta-alternative-b2b-payments-bnpl/): Looking for a Hokodo alternative? Terms.Tech is your European B2B BNPL choice for payment terms. Increase cash flow, sales, conversion, growth! Lower stress!
- [How B2B payment terms are changing: from Net 30 to BNPL](https://area42.tech/blog/b2b-payment-terms-are-now-bnpl/): Tired of slow payment terms? Explore the shift from Net 30 to B2B BNPL. Get instant approvals, flexible options, and less risk for suppliers. Learn more!
- [B2B BNPL use cases – powerful payment terms to your rescue!](https://area42.tech/blog/b2b-bnpl-use-cases/): Customer-centric trade innovation is at the core of what AREA42 does: driving digital transformation to create customer-centric trade finance solutions!Companies benefit from offering their customers a B2B Buy Now, Pay Later service.
Here are 12 B2B BNPL use cases identifying problems how BNPL solves them.
- [Top 5 benefits of Buy Now, Pay Later for B2B](https://area42.tech/blog/buy-now-pay-later-benefits-b2b/): Benefiting from B2B buy now, pay later yet? No? You firm can benefit from improved cash flow, reduced risk, and higher customer satisfaction.
- [Fintechs. Challenges. Trends. Trade. AI. Compliance.](https://area42.tech/interview/fintech-challenges-trade-ai-compliance/): Lode Vermeersch (Head of AREA42) talks trade, trade finance, fintech challenges and trends, how AI fits into the picture, and pros and cons of compliance.
- [Trade finance makes the world go round](https://area42.tech/blog/trade-finance/): Our listicle defines types of trade finance tools and mechanisms, including Buy Now, Pay Later for B2B. Find out how BNPL can help your business succeed!
- [What is a PSP? Benefits, challenges, and opportunities](https://area42.tech/blog/what-is-a-psp/): PSPs are essential to digital payment processing in Europe. What's a PSP? What benefits do they offer? What are the challenges? How to choose a good PSP?
- [AREA42 sponsors Digital Finance Summit 2024](https://area42.tech/event/digital-finance-summit-2024/): AREA42 is a silver sponsor of Digital Finance Summit 2024, Leveraging Natural Intelligence. The event of the year for Belgium’s digital finance industry!
- [AREA42 at Eurosis ESM 2024](https://area42.tech/event/eurosis-esm-2024/): Join AREA42’s Risk and Data Manager, Matej Urban, for a practical data and risk workshop at Eurosis’ European Simulation Multiconference.
- [Increase credit score for SMEs: 14 tips](https://area42.tech/blog/increase-credit-score-small-medium-business/): A business credit score shows trustworthiness and provides financial benefits for a small business. SMEs can improve their credit scores to grow B2B trade.
- [Seamless Europe 2024: working capital and digital finance](https://area42.tech/event/seamless-europe-2024/): Catch AREA42 at the Seamless Europe 2024 Startup Showcase! Rron Ulaj to present our working capital solutions. When? 10-11 Sept 2024. Where? Munich, Germany.
- [Late payments: 14 helpful hints on upcoming EU regulation](https://area42.tech/blog/late-payments-regulation-summary/): Late payments regulation is coming. Here are 14 helpful hints – or Q & A – to help get ready. What changes? Who benefits? New burdens? When does it apply?
- [8 trade finance innovations breaking B2B’s stale traditions](https://area42.tech/blog/trade-finance-innovations-b2b/): Trade finance innovations are re-shaping B2B in new and evolving ways in 2024, from Buy Now, Pay Later for B2B to AI-powered risk assessment.
- [B2B marketplace payments. BNPL. Collaboration. Cédric Nève.](https://area42.tech/interview/marketplace-payments-bnpl-cedric-neve-digiteal/): Customer-centric trade innovation is at the core of what AREA42 does: driving digital transformation to create customer-centric trade finance solutions!
- [No more nerdiness! The key to trade finance innovation](https://area42.tech/interview/no-more-nerdiness-trade-finance-innovation/): Lode Vermeersch (Head of AREA42) on the risks of ‘nerdiness’ jargon, trade finance innovation, and trial and error in his House of Executives interview.
- [Women in Trade 2024: TFG selects Jessica Nemeth](https://area42.tech/blog/trade-finance-global-terms-tech-women-in-trade/): Women in Trade, Treasury and Payment 2024. Trade Finance Global celebrates International Women’s Day. Terms.Tech’s Jessica Nemeth's on the list!
- [Top 5 B2B payment insights from Web Summit Lisbon 2023](https://area42.tech/blog/key-b2b-payment-insights-web-summit/): Jessica Nemeth, AREA42's Fraud and Product Expert, comes away from Web Summit Lisbon 2023 with her top 5 B2B payment insights. What are the trends?
- [Success! Use specialists so you focus on your core business](https://area42.tech/blog/focus-on-core-business-for-success/): SMEs can achieve success by using specialists. This allows the SME to focus on their core service or product. BNPL payment solutions helps SMEs grow and thrive.
- [Flexible payment terms for B2B transactions increase sales](https://area42.tech/blog/increase-sales-flexible-payment-terms-b2b-transactions/): What happens when you use flexible payment terms for B2B selling? Increase sales, reduce risk of non-payment, and optimize working capital.
- [Embedded finance to ignite sluggish B2B payments in Europe](https://area42.tech/blog/embedded-finance-next-evolution-b2b-payments-europe/): What do you know about embedded finance? How can embedded finance help your B2B business to succeed and thrive? How can TermsTech help?
- [Cyber-physical systems x blockchain for trade](https://area42.tech/publication/cyber-physical-blockchain-trade/): AREA42 created a white paper about combining Cyber-Physical Systems and blockchain. As with everything we do, the focus is on the B2B trade industry.

## Pages
- [Landing page for cart conversion LI ad](https://area42.tech/7-ways-increase-b2b-cart-conversion/): Increase sales
- [Talk to an expert r](https://area42.tech/talk-to-an-expert-r/): Improve cash flow and strengthen your working capital position ASAP!
- [Talk to an expert a](https://area42.tech/talk-to-an-expert-a/): Improve cash flow and strengthen your working capital position ASAP!
- [Tools from AREA42](https://area42.tech/tool/): Use our free working capital tools to help your business grow and thrive.
- [alternative collection](https://area42.tech/alternative-collection/): INSIGHTS
- [Talk to an expert b](https://area42.tech/talk-to-an-expert-b/): Improve cash flow and strengthen your working capital position ASAP!
- [How purchase order financing works](https://area42.tech/growkap-purchase-order-financing/how-purchase-order-financing-works/): The purchase order financing solution that pays your supplier for you so you get what you need to fulfil your customer’s order
- [FacturFlow invoice financing](https://area42.tech/facturflow-invoice-financing/): Invoice financing
- [thank you](https://area42.tech/thank-you/): Thanks for reaching out!Your message just showed up in our inbox. Talk to you soon!
- [Interviews with AREA42](https://area42.tech/interview/): AREA42 experts share their knowledge and experience in a series of interviews. How do we offer B2B trade finance? What's happening at AREA42? What's so special about our working capital solutions?
- [TermsTech’s online and offline solutions](https://area42.tech/termstech-payment-terms-bnpl/online-offline-solutions/): Our technological bricks easily adapt to the needs and specificities of all merchants, whatever your size or industry – from simple turnkey hosted solutions (e.g. for offline sales) to fully embedded solutions (embedded in your online e-commerce or marketplace).
- [Industry use cases](https://area42.tech/industry-use-case/): AREA42 working capital solutions match with just about any industry. It doesn't matter if you're selling security cameras, smoothing out logistics operations, supplying packaging, or ensuring clean energy, our solutions can work for you. Explore our industry use cases below.
- [Events](https://area42.tech/events/): AREA42 loves sharing its TradeTech knowledge and helping businesses with their working capital needs. Catch us at an event near you!
- [About AREA42](https://area42.tech/about-area42/): 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.
- [AREA42 | Innovation Lab](https://area42.tech/innovation/): Innovation is in our DNA! We solve real customer problems with B2B trade innovations. We developing fluid solutions to de-risk B2B transactions.
- [Publications from AREA42](https://area42.tech/publication/): Download our free publications full of B2B payments and trade insights.
- [blog](https://area42.tech/blog/): INSIGHTS
- [GrowKap purchase order financing](https://area42.tech/growkap-purchase-order-financing/): PURCHASE ORDER FINANCING
- [Talk to an expert](https://area42.tech/talk-to-an-expert/): Improve cash flow and strengthen your working capital position ASAP!
- [Contact us](https://area42.tech/contact-us/): Get in touch with AREA42 to start exploring how we can help you solve your working capital needs.
- [TermsTech payment terms and B2B BNPL](https://area42.tech/termstech-payment-terms-bnpl/): B2B payment terms of 30, 60, 90, or 120 days for European B2B e-commerce, marketplaces, offline transactions, and PSPs. Give your customers the flexibility and cash flow they need!
- [AREA42 | Home](https://area42.tech/): 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.

## Categories
- [alternative](https://area42.tech/category/alternative/)
- [blog](https://area42.tech/category/blog/)
- [event](https://area42.tech/category/event/)
- [industry use case](https://area42.tech/category/industry-use-case/)
- [interview](https://area42.tech/category/interview/)
- [publication](https://area42.tech/category/publication/)
- [tool](https://area42.tech/category/tool/)