B2B BNPL & Instalments for Robotics & Hardware Sellers

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The Lost Sale Problem

Buyers want to pay over time - instalments or leasing - before they'll commit. If you can't offer it, they walk, or the deal stalls for weeks while they go arrange financing themselves.

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Buyers approved before they even ask

The Lost Control Problem

To pay over time, your buyer has to apply for a loan with their own bank - best case, a few weeks; worst case, rejected or stuck for months. You lose control of your sales process.

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No third-party bank loan required

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The rigid credit model problem

Perfectly good buyers - smaller companies, newer companies, VC-backed companies - get rejected because legacy credit models can't flex for how robotics companies actually grow.

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Two accepts buyers others reject

How Two Changes the Game

Close the Deal. Get Paid Upfront. Let Your Buyer Pay Over Time.

Two credit-checks and approves your buyer upfront, so there's no bank loan application, no agreement with a third party, and no delay to your sales process.

Instant Credit Approval, Upfront

Buyers are credit-checked and approved before you even send a quote - not after they've decided to buy, and not by a lender they have to go find themselves. Two's credit engine, Delphi, makes the call in minutes.

Flexible Terms, Up to 36+ Months

Buyers spread the cost via instalments or leasing over terms up to 36 months and beyond - so a six- or seven-figure deal doesn't need to clear a bank loan committee first.

Paid in Full on Delivery

You get paid upfront in full the moment you deliver. From there, Two carries the credit and fraud risk.

Zero Friction, No Bank Loan Required

Your buyer never applies for a loan or signs an agreement with a third-party lender. There's no back-and-forth with their bank - you keep full control of the sale from first conversation to signed deal.

One Provider, US & EU - No-Code or API

Two covers both the US and EU markets under one provider, so you're not stitching together multiple financing partners. Go live fast with a no-code checkout, or integrate end-to-end via API for full automation.

Frequently asked questions

How does B2B financing work for robotics and hardware companies?

Two's Instalments product lets robotics and hardware buyers spread payment over up to 36 months, while the merchant is paid in full on delivery. Two takes on the credit and fraud risk, so sellers don't have to wait on bank financing to close a deal.

Why does traditional bank financing fail robotics deals?

Traditional financing means your buyer has to apply for a loan with their own bank - best case, approved in a few weeks; worst case, rejected or stuck in process for months. Either way, you risk losing the sale, or losing control of it.

Can Two approve buyers that other financing partners have rejected?

Yes. Two's credit engine, Delphi, is built to extend credit to buyers who lack the credit history or collateral that traditional buyer-financing partners require, including newer and VC-backed companies.

Does my buyer need to sign an agreement with Two?

No. There's no agreement or account required from your buyer - Two's approval and payment sit behind the scenes, so there's minimal friction and you keep full ownership of the customer relationship.

Does Two support both US and European robotics sellers, and can I integrate it into my own systems?

Yes - Two operates across both the US and EU markets under one provider, so you don't need multiple financing partners. You can launch with our no-code checkout or integrate end-to-end via API depending on how much automation you need.