Credit Key has raised $90 million in growth capital and entered a strategic partnership with global investment manager Barings to expand its embedded payments platform for online business purchasing.

Credit Key is a B2B payments and financing technology provider. Its software integrates into merchant checkout and sales workflows. It allows business buyers to access net terms and flexible repayment options at the point of purchase. Credit Key said it designed the platform to reduce friction in B2B transactions while helping buyers better manage cash flow.

“Flexible payment options are becoming a core requirement in B2B ecommerce,” said John Tomich, founder and CEO of Credit Key. “Seamless checkout and access to working capital are critical to how businesses operate today.”

How Credit Key will use its new funding

Credit Key said it will use the funding to scale operations, accelerate product development and deepen partnerships with ecommerce platforms, marketplaces and fintech providers that serve small and midsize business customers.

Barings, which manages more than $400 billion in assets globally, will function as both a capital partner and strategic backer as Credit Key expands across digital commerce channels.

“We’re at an inflection point in B2B commerce,” said Mike Searles, head of North America Capital Solutions at Barings. “As business buying rapidly digitizes, flexible payment options will separate winning platforms from the rest.”

The investment reflects broader changes in how distributors, manufacturers and B2B marketplaces are approaching payments. Many are embedding financing options directly into online purchasing flows, adapting consumer-style “buy now, pay later” concepts for business buyers that rely on trade credit and net terms.

As more procurement shifts online, demand has grown for tools that connect payments, financing and checkout experiences in a single workflow. Providers say offering trade credit at checkout can help merchants increase conversion rates and average order size while reducing reliance on traditional invoicing and accounts receivable processes.

Credit Key plans to use the new funding to:

• Expand its U.S. merchant base.
• Strengthen platform partnerships.
• Add features that integrate with existing ecommerce and sales systems.

Founded in 2015, Credit Key serves B2B merchants seeking to offer financing options without managing credit risk or accounts receivable internally. The company did not disclose its valuation as part of the funding

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