Use Cases

B2B Buy Now, Pay Later and digital trade credit, built for the agriculture industry

Field of wheat

With a projected value of more than $18 billion by 2026, agriculture is the world’s largest industry, employing over one billion people globally. Pasture and cropland take up half of the habitable land on Earth, generating over $1.3 trillion dollars worth of food annually.

Despite its value and importance, the trade of agricultural products continues to take place via the risky and costly offline methods that it has relied on for decades. This means that food manufacturers, distributors, restaurants and other buyers making large orders expect to defer payment. Suppliers who don’t offer trade credit find it more difficult to win and retain customers.

Recent digitisation in the market has seen many agricultural transactions move online. However, the majority of sellers and marketplaces have found it difficult and complex to offer flexible credit terms and the option to pay later in an online setting.

With B2B Buy Now, Pay Later for farmers and other agricultural suppliers, that’s where Hokodo’s comes in.

Hokodo removes the risk and hassle associated with offering payment terms online, allowing agricultural suppliers to make credit decisions in real-time.

With Buy Now, Pay Later, agriculture suppliers get paid up front, while B2B buyers get the flexibility to pay at a later date.

Download the brochure today:

Hokodo works with some of Europe’s biggest agricultural and food suppliers

Graindex logo
Katoo logo
Rooser logo

How we help suppliers in the agriculture industry.

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Attract new buyers

Offering competitive credit options will help you to stand out in an increasingly saturated niche. Enable buyers on your platform to defer payment by 30, 60 or 90 days, interest free, and watch as your customer base grows.

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Up front payments, guaranteed.

Grow your business with confidence knowing that up front payments are guaranteed. Hokodo’s digital trade credit solution enables you to get paid upon delivery, while your buyer defers payment by 30, 60 or 90 days.

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Tailored for large order values

We’ve created a digital trade credit solution that is optimised for the large average order values and frequent purchases associated with the food and beverages supply chain. We offer the credit terms your buyers expect and accept payment via the methods most convenient for them.

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Stay competitive

As an increasing number of marketplaces and solutions connect suppliers with restaurants, hospitality and food manufacturers, buyers and suppliers will remain loyal to the platforms offering the best service and the most desirable payment terms.

Discover the ROI of a Digital Trade Credit Solution

Hokodo delivers measurable results to some of the world's most innovative B2B companies, helping them to increase revenue and save costs. Use our ROI calculator to work out how much you stand to gain by adopting a Digital Trade Credit solution.

How it works


A buyer shops as normal on your B2B agriculture marketplace or e-commerce site. In the background, Hokodo conducts credit eligibility and fraud risk checks.


When ready, the buyer heads to the checkout. They only see the payment terms for which they have been approved.


The buyer chooses their preferred payment plan and method, and confirms their order.


Hokodo pays you up front, while the buyer pays us back in line with their payment terms.

Crates of fish

"Integrating with Hokodo has allowed us to significantly increase our value proposition to our suppliers on our B2B marketplace, through providing seamless real time credit insurance policies to the users of our platform. Guaranteeing each transaction through an API has proved priceless for Rooser!”

Joel Watt
Founder of Rooser
Wheat crops

"Hokodo and Graindex have created a unique product that gives farmers the peace of mind that they will be paid when selling their crops...Our experience working with the Hokodo team has been excellent - we can now offer our Guaranteed Payment Collection service through access to their innovative technology.”

Dave Rose
Managing Director at Graindex
Crane viewed from below

"Hokodo is a massive part of our proposition in being able to ensure suppliers receive payments on time and build trust on the platform. YardLink is on a big growth trajectory and we see Hokodo as not just ready for us right now, but that it will continue to work for us as we move forward.”

Hollie Russell
Marketing Director at Yardlink
Handmade pottery bowls of various colours

"A great User Experience and great payment terms and flexibility are the two main benefits our customers are looking for, and thanks to Hokodo we are able to offer them that…They have helped us to grow a base of extremely loyal customers all across Europe thanks to payment terms."

Pierre-Luc Joffre
CFO at Ankorstore
Handmade pottery bowls of various colours

“We see Hokodo’s Buy Now, Pay Later solution as one of the key enablers for growth in our B2B marketplace. Post-COVID, payment terms for restaurants have been tightened, so being able to offer credit is a huge value add for Katoo and all the businesses transacting on our platform.”

Karan Anand
Co-founder at Katoo
Potted plants on a table

“With the world currently being in quite a flux, it’s key to have a firm grip on your cash flow and Hokodo really helps us in doing that. I would definitely encourage any other B2B entrepreneur or business owner to use Hokodo if they want to avoid any cash flow issues.”

Ewoud Goorts
Founder of FlorAccess

Want to find out how Hokodo can help you to sell more and grow your B2B platform for agriculture?

With Buy Now, Pay Later, B2B agricultural sellers can attract new buyers and reach growth goals. Book a call to learn more.

Frequently Asked Questions

Can B2B Buy Now, Pay Later be used in the agriculture industry?
How do I get started with B2B Buy Now, Pay Later?
How long does it take to integrate a B2B BNPL solution?
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