Who Tilta is for
Tilta serves anyone who needs to put trade credit on a technical footing:- Digital-first trading businesses financing and automating their own sales ledger.
- Platforms and marketplaces offering payment terms on behalf of the merchants selling through them.
What Tilta does
Underwrite and monitor trade credit
Automated underwriting issues a credit facility per buyer, typically within a second, and monitors and renews it without manual review.
Offer payment terms
Present deferred terms in an online checkout, or agree them offline by phone or email and record the order through the API.
Finance or insure receivables
Capture an invoice for immediate payout, or insure the receivable and keep the collection relationship yourself.
Service and enforce receivables
Reminders, dunning, and collections run on Tilta’s side, with the outcome surfaced through webhooks and the API.
How Tilta works
Your integration is the sole caller of Tilta’s API. Your buyers interact with white-labeled onboarding and checkout flows, and whoever is owed the money – your own business or a third-party merchant – receives payout from Tilta at invoice capture, regardless of when the buyer repays. The financing flow has three core ingredients:1
Buyer creation & onboarding
Register each of the businesses you sell to and guide them through the KYC/AML onboarding flow. Tilta’s automated underwriting engine evaluates each one and assigns a credit facility – a per-buyer credit line of up to €250,000 – typically within seconds. The credit facility is renewed automatically every three months, keeping purchasing power current without manual intervention.
2
Merchant creation & onboarding (optional)
Register merchants only when the receivables belong to someone else, such as the suppliers or sellers on a marketplace. If you sell on your own account, or you act as the Merchant of Record and legally intermediate every transaction, Tilta treats your own business as the single merchant counterparty and you can skip this step.
3
Financing receivables via invoices
When a purchase is agreed, create an Order to capture the purchase intent and get authorization. Once goods or services are fulfilled, capture an Invoice against that order. The invoice is the legally effective financing step: it triggers an immediate payout and starts the buyer’s repayment clock according to the agreed payment terms.
Ways to integrate
Tilta exposes the same capabilities through several technical surfaces, so you can pick the one that matches the work:REST API
Build your own flows against the full endpoint surface.
Web Elements
Render Tilta’s onboarding and checkout inside your own application.
MCP server
Work through your receivables from an AI client in natural language.
Why teams choose Tilta
Tilta handles the regulatory complexity, credit risk, and payment operations so you can focus on trading:- 100% default risk coverage – Tilta absorbs all buyer credit risk; your revenue is guaranteed at invoice capture
- White-labeled experience – onboarding, checkout, and all buyer-facing flows carry your brand
- Automated underwriting – real-time credit decisions with no manual review queues
- Flexible payment terms – offer deferred payment from 3 days (
DEFER_3D) up to 90 days (DEFER_90D) - Full regulatory compliance – Tilta manages KYC, AML, and financial licensing across all supported markets
Geographic coverage
Tilta currently supports buyers and merchants operating in the European Union, United Kingdom, Switzerland, and Norway.Get started
Sandbox environment
Set up your sandbox credentials and run end-to-end tests with simulated credit decisions and payments before going live.
Glossary
Familiarize yourself with the key concepts, objects, and abbreviations used throughout Tilta’s documentation and API.
API reference
Explore the full REST API reference with request and response schemas, authentication details, and a live playground.
Contact support
Have a question or need sandbox access? Reach the Tilta team at support@tilta.io.