Hello, we’re Hokodo

We believe that B2B trade has been broken for a long time. And we’re on a journey to fix it!

Hokodo was founded to make B2B trade easier and safer."

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Hokodo works with B2B merchants to help them sell more by offering better payment terms to their business customers.

Unlike consumers, businesses generally expect to pay on credit terms. To manage this risk, sellers traditionally resort to paper-based trading account applications and manual credit decisions.



Hokodo removes all the risk and hassle associated with offering payment terms online, and streamlines the entire process, allowing sellers to make credit decisions in real-time when the customer reaches the check-out. We protect the seller by insuring the credit risk with Lloyd’s of London, and we arrange the financing so our sellers can get paid upfront if they choose.

Our digital platform combines instant credit assessments and fully automated limits management, all served up via APIs in less than 1 second.

Our ambition is simple: to revolutionise B2B commerce

We are a team of financial services practitioners, engineers, data scientists and designers… all working together to create a better way of doing business!

Meet the entire team

Louis Carbonnier
Co-Founder and Co-CEO
Sami Ben Hatit
Co-Founder and CTO
Richard Thornton
Co-Founder and Co-CEO

The products underwritten and distributed using Hokodo’s technology are backed by the Channel Syndicate, a unit of SCOR SE.

Our trusted partners help us to shape the financial solutions of tomorrow

The Channel Syndicate is a business unit of and is supported by SCOR Global P&C, the non-life segment of the SCOR Group (a tier 1 and the world’s fifth largest reinsurer, rated AA- by the leading international rating agencies). In 2017, SCOR’s gross written premiums were €14.8bn, of which Property & Casualty comprised approximately €6bn.

For more information visit: http://www.channel2015.com and https://www.scor.com

Scor Channel

Lloyd’s is the world’s specialist insurance and reinsurance market.

With expertise earned over centuries, Lloyd’s is the foundation of the insurance industry and the future of it. Led by expert underwriters and brokers who cover more than 200 territories, the Lloyd’s market develops the essential, complex and critical insurance needed to underwrite human progress.

Backed by diverse global capital and excellent financial ratings, Lloyd’s works with a global network to grow the insured world – building resilience for businesses and local communities and strengthening economic growth around the world.

Visit www.lloyds.com for more information.

Lloyd's