Baton B2B Payments Network

The Financial Services Industry’s First B2B Payments Network.

Evolving small business banking to safely and profitably address the large, untapped small business B2B trade credit market.

How the Network works See Baton Payments

Baton B2B Payments Network

Baton is the financial services industry’s first B2B Payments Network.

The Network enables Member Banks to deliver and fund a new secured, structured financial service that delivers debt-free liquidity to small businesses via real-time, risk-free invoice payments.

What the Network solves for

The supplier delivers; the bank funds; the buyer keeps the terms it already has.

Real-time, risk-free, debt-free — the three words the company used most.

Member bank benefits

Built for small business banking

Designed to expand into the bank’s largest growth opportunity — the small business B2B trade credit market — in a way that is safe, efficient and profitable.

Decrease risk

Lower losses given the Network’s special risk protection structure, controlled utilization, and expanded insights.

Deposit growth

Attract small business deposits by requiring the business DDA linked as the Baton Settlement Account to be held at the member bank.

Deepen relationships

Grow share of wallet with a value-added solution that fulfills an important unmet business need.

Drive growth

Expand services into a new market segment, building non-interest income at a high net margin.

Data rich

Data-driven insights including highly predictive payment data from both your customers and their customers.

Digital experience

An intuitive user experience for both bank and customer, expanding your digital offerings and capabilities.

The gap

The critical gap in financial services for small businesses

The small business B2B trade credit burden — 2019 by the numbers.

68% Percent of total small business sales made to business or government customers.

$5T Amount, in trillions, of B2B trade credit extended annually by small businesses in support of these sales.

5% Percent or less of those trade credit extensions are supported via financing by current small business financial services.

Addressing this burden is the next step in the evolution of small business financial services.

*We are defining small businesses as those businesses with 100 or fewer employees.

The service

Baton B2B Payment Service

A secured, structured financial service delivered by the Network, customizable by Member Banks, and designed to meet the specific needs of small business suppliers.

Real-time payments
Pays suppliers 100% on qualified invoices — less a known, fixed fee — in as few as 3 business days.
Risk-free payments
Eliminates the supplier’s risk of late payment and non-payment.
Debt-free payments
Increases the supplier’s cash while reducing accounts receivable, all without incurring incremental debt.
Selling power
Enables suppliers to sell with confidence: new customers, larger contracts, more competitive invoice terms.