About Credit Key
We provide buy now, pay later (BNPL) and Net Terms payment solutions for B2B transactions. Our platform gives businesses access to capital, fast approvals, and extended payment terms for their customers through embedded financing. Merchants get instant credit decisions at the point of sale across all buying channels, including eCommerce, in-store, and sales-assisted transactions. Payment options range from Net 30 terms up to 12 months. We assume 100% of the payment risk, paying our merchant partners within 48 hours. This helps merchants increase sales and average order value, while borrowers can better manage cash flow and grow their businesses.
We founded Credit Key in 2015 to digitize and streamline B2B financing, serving everyone from sole proprietorships to enterprise brands. We recently closed $90M in growth capital. Hundreds of merchants, including major brands, use our services.
Mission & Values
Our mission is to provide small businesses with transparent, fast, and accessible ways to pay for what they need to grow. We aim to revolutionize the traditionally slow business financing process with solutions that help both our merchant partners and their customers grow.
Team & Culture
Our team has 51-200 employees. We foster a modern, collaborative work environment. We’re a supportive and highly collaborative team, encouraging everyone to grow and excel. We’re 100% remote, offering flexible work schedules and locations.
Benefits & Perks
We offer employees a 401(k) match, a competitive compensation package, and healthcare benefits. We support remote work with flexible schedules and locations, and provide a work-from-home stipend.
Frequently Asked Questions
Credit Key provides buy now, pay later (BNPL) and Net Terms payment solutions for B2B transactions. These include instant credit decisions at the point of sale, flexible payment terms from Net 30 up to 12 months, and an option to use a Credit Key Card for purchases from non-partner merchants. The company handles payment risk and collections for merchants.
Credit Key offers a 401(k) match, a competitive compensation package, healthcare benefits, and a work from home stipend. Employees also benefit from a 100% remote work environment with a flexible schedule and location.
Credit Key promotes a modern and collaborative working environment. The culture is described as supportive and highly collaborative, encouraging team members to grow and excel. The company operates as a fully remote organization.
To be eligible, an applicant must be an individual applying under their own name as an owner/signatory of a business, a U.S. citizen or resident of minimum signing age, have a FICO score of 600 or above, and a total annual business income of $40,000 or more. They must provide their Social Security Number and have a nominated bank account or debit card for repayments. For enterprise businesses ($5 million+ annual revenue, publicly traded, government agency, municipality, not-for-profit, or school), an owner/signatory is not required.
Applying for Credit Key involves a “soft inquiry” on personal credit, which does not impact the applicant’s FICO®/credit score. Credit Key reports payment activity to Dun & Bradstreet monthly, which can help build a strong business credit score with good payment history, or negatively impact it with poor payment history.
Credit Key was founded in 2015.
Credit Key is active in the Conversion Optimization, and Checkout markets.
Credit Key has 51-200 employees.
Credit Key hires globally with a remote-first approach, allowing employees to work from anywhere.
Credit Key is not actively hiring at the moment. Check back later for new opportunities.
Yes, Credit Key is a remote-first company.
Credit Key's website is www.creditkey.com .
You can find Credit Key on X (Twitter) , Facebook , and LinkedIn .
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