A new wave of European startups is actively pursuing expansion into the US B2B BNPL sector as part of broader international growth strategies. Among them is Two, a B2B BNPL firm currently running a pilot program in North America as it prepares for a full-scale launch into the region’s BNPL market. While Two doesn’t yet have a physical footprint in the United States, it maintains an online presence through partnerships with Santander and Allianz, whose operations span the Americas, including the US. Two’s current pilot program offers trade credit solutions through its white-labeled Buy Now, Pay Later service and its installment product. These solutions are integrated into merchants’ checkout, existing financial workflows, and payment systems, enabling buyers to break large purchases over up to 24 months. Andreas Mjelde, CEO & Co-Founder of Two, shares that the company is preparing to roll out its full product lineup in North America by the second quarter of 2025. The full lineup will include: 1) B2B BNPL embedded directly into guest checkouts, providing instant trade credit to businesses at the point of sale. Currently, BNPL is embedded in certain open and closed-wall checkouts. 2) Trade Accounts that will enable businesses to consolidate multiple purchases into grouped monthly statements, simplifying payment management and cash flow oversight. 3) Extended installment plans, providing repayment options of up to 36 months for businesses managing larger transactions. He explains that the firm’s localized approach incorporates regional credit risk assessments and personalized repayment experience targeting the specific needs of US-based companies. ”Our proprietary risk models, Frida and Delphi, deliver high acceptance rates while minimizing friction for buyers,” says Andreas. This automation speeds up onboarding and boosts approval rates, without the need for hard credit checks. The firm has built its machine learning infrastructure and AI models in-house. Two is pursuing a phased expansion strategy, starting in US states with high digital payment adoption with the support of global banking partnerships, before scaling further.