Use Cases

Digital trade credit and BNPL, built for the freight & logistics industry

Container ship

Worth over €5.7 trillion, freight is the backbone of world trade and spans sea, road, air & rail. Fast and flexible payments are critical to ensure the smooth running of these global supply chains.

Given the competitive nature of the freight market, payment terms are a differentiating factor between forwarders. In short, forwarders need to extend trade credit in order to win new business and grow their revenues. However, the freight payment solutions available to forwarders are offline and outdated.

From rising freight rates, lower capacity and people management, to ensuring other companies’ goods stay safe, we understand the many challenges faced by shipping and distribution businesses.

Recent digitisation and tech-savvy competitors in the shipping industry means it’s more important than ever to enable your customers to pay later regardless of the mode of transport. With Hokodo, you can.

When you offer better payment terms on freight spend, you onboard shippers faster and grow your business.

Hokodo is the modern way to offer trade credit.

Download the brochure today:

How we help freight forwarders

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Access more working capital

Paying the carrier before you’ve received payment from the shipper can put strain on your working capital. Hokodo pays you up front, so you can offer terms without tying up your cash reserves.

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Accounting for extra charges

Things can change between the time of booking and fulfilment of a shipment, creating uncertainty for your working capital. We offer credit for any extra fees or unexpected charges, to ease the pressure on your working capital.

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Modernise payments

Many modern forwarders provide digital interfaces for booking and managing freight, however their payment flows are offline and manual. Hokodo’s logistics payment solutions align with your digital first approach to support a frictionless online payment journey.

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Reduce onboarding time

Assessing creditworthiness is one of the biggest blockers faced by growing forwarders who want to onboard new shippers quickly and minimise the time to first booking. Hokodo handles all credit checks and assumes risk, so you can get  shippers onboarded faster.

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 shipper visits your platform, searches and books the transportation they require.


Hokodo runs real-time credit eligibility checks and fraud risk assessments on the shipper and extends credit terms.


The time between order and shipment can range from days to months. Flexible credit is offered by Hokodo for any changes in shipping costs that occur in this time.


You fulfil the service and issue your invoice. Then, we pay you up front.


The shipper’s terms begin and, on their payment due date, they pay Hokodo.

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
Crates of fish

"We had previously tried to offer payment terms on our own, but since the process was so manual, lengthy and complex, instant credit decisions at the point of purchase were out of the question. Being able to give buyers the immediate decision and seamless experience they expect is a game changer for Achatmat.”

Frédéric Guillotin
CEO of Achatmat
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

Want to find out more about how Hokodo can help you to free up working capital and grow your business?

With Buy Now, Pay Later, B2B forwarders and shippers get the payment experience they deserve.