Credit Key, a B2B payments and financing platform that enables merchants to offer net terms and flexible payment options at checkout, has closed $90 million in new growth capital and formed a strategic partnership with global investment manager Barings.
The funding will be used to scale Credit Key’s growth efforts and expand product development as more B2B commerce shifts online and merchants, marketplaces and fintech platforms look to provide small and medium-sized business customers with embedded financing at the point of purchase. Credit Key said its offering is integrated directly into merchant eCommerce and sales workflows to reduce friction in B2B purchasing while giving buyers greater control over cash flow through net terms and repayment flexibility.
The company also plans to use the new capital to deepen partnerships with platform providers and broaden merchant relationships across the U.S.
Barings, a subsidiary of MassMutual, said it is backing Credit Key as the sector reaches an inflection point driven by the rapid digitization of business buying. Barings reported more than $470 billion in assets under management as of Sept. 30, 2025.
KEY QUOTES:
“Flexible payment options are becoming a core requirement in B2B eCommerce. Barings shares our conviction that seamless checkout and access to working capital are critical to how businesses operate today. This partnership reflects the strength of our business and positions us well for our next phase of growth.”
John Tomich, CEO and Founder, Credit Key
“We’re at an inflection point in B2B commerce. As business buying rapidly digitizes, flexible payment options will separate winning platforms from the rest. Credit Key is building the infrastructure that will power the next generation of B2B eCommerce, and we’re thrilled to back this team as they capture that opportunity.”
Mike Searles, Head of North America Capital Solutions, Barings
