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Scale your b2b-sales
with Penenza
Buy-Now-Pay-Later platform
Buy-Now-Pay-Later platform
Installments of up to 6 months for your customers
You get paid 100% upfront
Deferred payments up to 60 days for your customers
Sell more.
Increase the average check.
Retain customers.
Increase the average check.
Retain customers.
Selling with Penenza installments gives your business great advantages
Number of deals
+54%
+40%
+20%
Average check
* the presented data show average results of our clients
Sales growth
Buy Now Pay Later (BNPL) - how it works
The seller and the buyer agree on a deal and agree to use the Penenza installments or deferral
The seller receives all the money for the deal from Penenza lending partners
The seller pays Penenza a commission on the deal. Penenza compensates interest on installments or deferrals to buyers
The buyer repays debt to Penenza lending partners according to payment schedule
Benefits for your business
Zero risk
Customer loyalty growth
Additional payment method
Competitive advantage
Bigger deals
Funnel conversion rate growth
You get paid 100% upfront
Ongoing installments make it harder for clients to switch to competitors
Suitable for offline and online sales
Get ahead of your competitors using our services
Your customers buy 2-7 times more from you using the same working capital
Perfect solution for increasing the % of closed deals
BNPL-platform Penenza.
You need it if you:
You need it if you:
supply goods for sole traders and business
want to increase the effectiveness of advertising and the average cheque
work in any industry of the B2B segment
want to increase sales and scale your business on comfortable terms
How exactly will you earn more
with BNPL-installments for B2B?
with BNPL-installments for B2B?
A client came to us and said, "I would have bought more for the high season, but now there is no more money ....... " We offered to use Penenza - the client bought 4 times more, with a three-month installment plan. As a result, the customer is satisfied, and so are we.
I increased sales by 4 times
Supplier of kiteserfing equipment
You may know that customers probably come to you too and say: "Competitors offer a discount, improve your offer." And it starts - they give 7%, give 8%, then they give 9%, give 10% and so on. I hate it!
But now we have a new solution: BNPL-Penenza installment plan. Instead of a 10% discount, we offer our clients to only pay 1/7 of the price to pick up the product and then pay the rest of the price in installments over 6 months. Customers like it and are willing to buy even more.
But now we have a new solution: BNPL-Penenza installment plan. Instead of a 10% discount, we offer our clients to only pay 1/7 of the price to pick up the product and then pay the rest of the price in installments over 6 months. Customers like it and are willing to buy even more.
Supplier of pumps and water supply equipment
I refuse to give discounts
Some of our customers have started to regularly buy in installments. It turned out that this is a good way of retention.
In order for the client to switch to another service, he needs to pay for the goods to a competitor, and at the same time continue to pay the installments that were provided to him earlier. To do this, the client will have to find working capital somewhere else, however it would be more reasonable to continue working with us.
In order for the client to switch to another service, he needs to pay for the goods to a competitor, and at the same time continue to pay the installments that were provided to him earlier. To do this, the client will have to find working capital somewhere else, however it would be more reasonable to continue working with us.
I retain customers
Supplier of construction materials
We sell unique equipment that is appealing to customers' needs. We do not have a need to fight for an increase in sales, so we do not subsidize interest on installments. Instead, we have raised prices for installment sales and now we get additional profit on such deals. Currently our customers have a choice - either to pay immediately or in installments, but at a higher price. Such a model offers no risks to us, which is awesome.
I get extra profit
Supplier of digital cutting plotters
We got the list of rejected customers from the CRM system and sent out an installments and deferral offer to each contact. The result exceeded all our expectations - without the cost of marketing and advertising, we returned 10% of the rejected customers. Considering the usual conversion to sales in our business, this gave a total sales increase of 20%. We are pleased with the outcome.
Wholesaler of auto parts
I return rejected customers
How much does it cost?
You sell more by increasing the number of new customers
* commission is used to compensate the installments or deferrals interest rate for your buyers
* the commission fee depends on your turnover
Penenza commission per month
%
You increase the average check by selling expensive goods to customers who can't pay immediately
Get a strong competitive advantage due to an exclusive offer
Get more loyal customers through interest-free installments and deferrals
You get paid upfront for each deal
2-3
Why should I pay the commission, and
not my buyer?
not my buyer?
You can add a Penenza commission to the price of your products
You can pay the commission using your own money without increasing the price of your products
You can add a part (for example, 50%) of the commission to the price of your products
In fact, you have options:
If you are selling an exclusive product and customers are expected to buy from you, then adding commission to the price of products will suit you best
Sales will increase due to customers who are more comfortable paying in installments or with deferred payment, even at a slightly higher price.
Sales will increase due to customers who are more comfortable paying in installments or with deferred payment, even at a slightly higher price.
If you work in a competitive market, then buyers will not accept the price increase. In this case, it is better not to change the price and pay a commission from the margin, sales growth compensates for these costs.
Which option is better?
Penenza uses the commission to compensate interest on installments and deferred payments for your buyers. Zero interest rate significantly increases sales.
And you get even more:
The “economies of scale” will grow - the cost of production will decrease
More closed deals - higher efficiency of your advertising and sales costs
More customers - greater sustainability for your business
The more customers you have, the fewer customers your competitors have ;)
With Penenza, YOU decide
what the installment or deferral period will be.
For each buyer. For each Transaction.
what the installment or deferral period will be.
For each buyer. For each Transaction.
Sign up in Penenza! It's easy!
Sign up if you sell to a business (B2B)
Work with Penenza not only as a seller, but also as a buyer
Many of our clients-sellers are also interested in buying in interest-free installments or deferrals. Who will refuse interest-free working capital?
Interest-free Buy Now Pay Later by Penenza is a new product of our fintech team.
We have extensive experience in creating MSME financing infrastructure - we have developed one of the largest crowdlending platforms in Russia.
Over time more than 15,000 companies received loans worth $0.5 billion.
Over time more than 15,000 companies received loans worth $0.5 billion.
Our previous project was a b2b marketplace ОТС.гu , which is used by more than 400,000 MSME and the volume of transactions exceeds $5 billion annually.
Dim Pangin
Penenza founder
Frequently Asked Questions
If you did not find the answer to your question here, please contact our manager for assistance by emailing info@penenza.com
You don't need to keep your money on the platform, you will receive payments to your bank account as usual. We work officially and transparently, all details are described in the Terms&Conditions document.
Penenza ensures the security and privacy of your transaction data in full compliance with the RBI guidelines on digital lending and best industry standards
Your client must be a sole trader (Proprietorship) or a legal entity.
The credit limit for your buyers will be calculated individually. Initial onboarding process for your buyers may take up to 1-2 business days, after which it will take no more than 1 minute to obtain financing for the deals.
The credit limit for your buyers will be calculated individually. Initial onboarding process for your buyers may take up to 1-2 business days, after which it will take no more than 1 minute to obtain financing for the deals.
You need to sign up on Penenza website, then our manager will contact you and guide you through the process. From that moment you will be able to conduct transactions through the platform and sell in installments.
You have 4 options:
1) Send a configured payment link to your customers
2) Provide a printed QR-code to your customers
3) Embed a payment widget to your web-site
4) Integrate your web-site to penenza using our API
1) Send a configured payment link to your customers
2) Provide a printed QR-code to your customers
3) Embed a payment widget to your web-site
4) Integrate your web-site to penenza using our API
- Sales growth, increase of the average check and of loyalty of your customers;
- No risks. Assessing the creditworthiness of buyers is not an easy task, requiring the availability of credit analysts, a proven risk model and a readiness to bear losses. In cooperation with Penenza, you get all the money on the deal at once and do not risk anything. You will not need a credit back office that will request and check documents from borrowers and deal with debt collection processes;
- No burden on working capital. Using Penenza, you will no longer wait for payment from your client, payment will be made immediately. This will free up your working capital to pay wages, purchase materials, etc.
You are a bank or an NBFC?
Large banks, NBFCs and more than 13000 private investors are already investing in installment loans for small businesses on Penenza around the world.
Lend with Penenza with low risks and good yield