Billie

Overview

Billie (legal entity Billie GmbH) is a Berlin-headquartered fintech company that provides business-to-business "buy now, pay later" (BNPL) and invoice-financing infrastructure for online marketplaces, e-commerce platforms and B2B merchants across Europe. Billie's core product lets business buyers purchase on open invoice / payment terms while Billie advances the funds to the seller and takes on the credit and collections risk, embedded directly into a merchant's or marketplace's checkout flow. The company was founded in 2016 and has grown into one of the more prominent B2B BNPL specialists in the DACH fintech scene.

Why this entity matters

B2B payment terms (net-30, net-60) have historically been manual, paper-based and risk-heavy for sellers. Billie is part of a wave of European fintechs — alongside players such as Mondu and Allianz Trade's embedded-finance efforts — that turned trade credit into an API-driven, embeddable financial product. Billie's growth and its investor roster (reported to include Dawn Capital, Speedinvest, Global Founders Capital and, per Silicon Canals, a later strategic investment involving Klarna) made it a repeatedly cited example of Berlin's B2B fintech cluster, and its BNPL model has been referenced as a template other embedded-finance providers compare themselves against.

Company or institutional background

Billie GmbH is headquartered in Berlin, Germany. Public reporting (TechCrunch, Crowdfund Insider, Startbase) describes a Series C round of roughly US$100 million in October 2021 at a reported valuation of about US$640 million, with investors including Dawn Capital, Speedinvest and Global Founders Capital among others named in that round. Silicon Canals separately reported a later round of €86.2 million at a €552 million valuation with Klarna among the participants — Startuprad.io has not independently verified the precise sequencing, structure or current valuation of Billie's cap table, and readers should treat exact figures as reported-by-press rather than confirmed by the company on this record. Despite Klarna's investor position, Billie's own leadership has publicly stated that an acquisition by Klarna was never on the table, per Retail Banker International — a useful example of an investor relationship that is not, by itself, evidence of a pending M&A transaction.

Role in the ecosystem

Billie operates in the embedded B2B finance / BNPL infrastructure layer, sitting between merchants, marketplaces and the buyers who transact on invoice terms. It is frequently grouped with other DACH B2B fintechs in sector coverage of German trade-credit and embedded-finance startups, and its funding history has been used as a comparison point for later entrants into the same space.

Selected relationships and affiliations

Publicly reported investors and backers named in press coverage of Billie's funding rounds include Dawn Capital, Speedinvest, Global Founders Capital and, in later reporting, Klarna as a strategic investor. This record lists these relationships as reported by third-party outlets; it does not represent a verified, current capitalization table.

Startuprad.io relevance

Startuprad.io covered Billie directly in a founder-interview-style feature on its B2B BNPL model (2022), and referenced Billie again in a later piece examining indirect fintech-investor connections across the DACH ecosystem. Billie is part of Startuprad.io's ongoing Scaleup Founder Interview coverage of Germany, Austria and Switzerland.

Public source context

This record draws on Billie's own website https://www.billie.io , and third-party reporting from TechCrunch, Crowdfund Insider, Startbase, Silicon Canals and Retail Banker International. Funding amounts and valuations are as reported by these outlets at the time of publication and have not been independently re-verified against Billie's own filings for this record; treat specific figures as press-reported, not confirmed.

Startuprad.io coverage

Billie brings — Buy Now Pay Later (BNPL) — to the B2B Market
Published: 25 May 2022
Last updated: 20 September 2026
Coverage type: Interview
https://www.startuprad.io/post/billie-brings-buy-now-pay-later-bnpl-to-the-b2b-market

Michael Bloomberg Indirectly Backs Some of Germany's Most Important Fintech Startups — Founder Interview
Published: 15 March 2026
Last updated: 20 September 2026
Coverage type: Analysis
https://www.startuprad.io/post/michael-bloomberg-indirectly-backs-some-of-germany-s-most-important-fintech-startups-founder-inter

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Canonical record: https://www.startuprad.io/entities/billie .