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A better way to offer credit terms to your customers

Give your business customers the payment terms and purchasing experience they deserve with Trade Credit as a Service

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Supercharge your credit management so your customers Buy Now Pay Later

Increase conversions by 40%

The wrong payment options are the single biggest reason for B2B buyers dropping out of your sales funnel. Increase conversion rates by offering credit terms instantly, even on your customer's first purchase.

Capture more of your customers' spend and retain them for longer

Retain more customers that spend more, more often. Businesses purchasing on credit terms spend on average 30% more. As well as increasing average order values, customers will come back to you more often.  

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Protect your working capital

Forget bad debt, we protect you against non-payment, backed by Lloyd’s of London. If you choose, you’ll also get paid as soon as the goods have been delivered.

Streamline order-to-cash operations

We take care of the hassle of credit checks, exposure tracking, limit management, fraud detection, debt collection and financing with a single integration.

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How it works

Hokodo integrates with your telephone or online sales platform to onboard customers, and offer instant credit decisions. You get paid once the transaction is completed and the goods are delivered.

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Call our API

In the background, Hokodo checks the buyer’s credit score and fraud risk.


Payment options

Customer sees the payment options which have already been approved for them.



Customer selects their preferred payment option.


We pay you

Once the goods are shipped, or the service delivered, we pay you. No need to worry about bad debt, we’ll deal with the hassle of collecting payments.

"Offering the best experience to our users is crucial to continue growing the ManoMano B2B marketplace. Working with Hokodo has allowed us to offer 45 days of payment terms to our buyers without impacting our merchants and with no extra risk on our balance sheet."

Olivier Vaury

"Hokodo 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!”

"By working together, 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”

We believe in a new way of doing business

Trade Credit 101: What is trade credit and why do I need to offer it?
Trade Credit 101: What is trade credit and why do I need to offer it?

Trade credit has been at the cornerstone of small business for as long as trade between businesses has existed - as much as 60% of the total value of B2B sales in the UK are made using trade credit! In this article, we take it back to basics and tell you everything you need to know about offering your business customers trade credit.

Fatima Ayoub
Fatima Ayoub
Head of Marketing
Business as (almost) usual
Business as (almost) usual

What has arguably been one of the hardest times for businesses over the last year, seems to be finally drawing to a close… And businesses couldn’t be more ready! Many of the conversations with businesses have revolved around how they are getting ready for the grand re-opening of the UK economy, and whether or not they’ll be granting trade credit to their customers.

Ben McGlynn-Moore
Ben McGlynn-Moore
Account Executive
B2B marketplace report series: The B2B marketplace digest
B2B marketplace report series: The B2B marketplace digest

We’ve spent a lot of time conducting research in the world of B2B marketplaces and studying individual marketplaces ahead of publishing our series of blogs on the matter - the most recent article in The B2B Marketplace Report series can be foun

Louis Carbonnier
Louis Carbonnier
Co-Founder and Co-CEO

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

The insurance products underwritten and distributed using Hokodo’s technology are backed by the Channel Syndicate, a unit of SCOR Global P&C.

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: and

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 for more information.


Founded in 2010, Anthemis is a leading venture capital fund, specialized in financial services and focused on reinventing financial services for the 21st century.

The group works with a diverse group of customers and partners (from startups, VCs to financial institutions) to catalyse and accelerate positive and disruptive change across the financial industry. Anthemis is an investor in Impact 25 companies Flock, Insurdata, Hokodo and Qover.

Visit for more information.


Ready to find out more?

Get in touch to find out how you can streamline your operations to provide a better shopping experience and win more customers.

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