Use Cases

A digital trade credit solution, built for the agriculture, food & beverages industry

Field of wheat

The manufacture of food and drink contributes more to the economy than all other manufacturing sectors. The entire agricultural market value is expected to grow to $18,814.21 billion in 2026.

With so much at stake, isn’t it time that buyers and sellers in this industry are empowered to access the payment terms which enable them to grow?

The buying and selling of food, beverages and agricultural products has taken place via manual, offline trade credit for decades. Restaurants, caterers and food manufacturers making large orders expect to make their orders and then pay on terms. In the past, suppliers offered these lines of credit in order to win and retain customers.

Recent digitisation in the market has seen many of these transactions move online. However, the majority of merchants and marketplaces have been unable to offer the flexible credit terms that buyers require in an online setting.

That’s where Hokodo comes in.

Hokodo removes the risk and hassle associated with offering payment terms online, and streamlines the entire process, allowing food and beverages suppliers to make credit decisions in real-time when the buyer reaches the checkout.

We arrange the financing so you and your sellers can get paid up front, while buyers pay us back in line with their chosen terms.

Download the brochure today:

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

Graindex logo
Katoo logo
Rooser logo

How we help suppliers in the agriculture, food & beverages 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.

How it works


A buyer shops as normal on your 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 more about how Hokodo can help you to sell more and grow your platform?

Attract and retain new buyers with a trade credit solution built for the agricultural, food and beverages industry.