> ## Documentation Index > Fetch the complete documentation index at: https://docs.tilta.ai/llms.txt > Use this file to discover all available pages before exploring further. # Introduction > Tilta is an AI-native B2B accounts receivable API. Underwrite trade credit, offer payment terms, and finance, insure, and collect receivables. Tilta is AI-native accounts receivable and payment infrastructure for B2B trade. It lets you extend credit-backed payment terms of 3 to 90 days to the businesses you sell to, without carrying the credit risk yourself. You integrate once, and your buyers get a white-labeled experience covering onboarding, underwriting, checkout, and repayment. ## 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. The distinction only affects one thing: whether the receivables belong to you or to a third party. That determines whether you register separate merchants, which is covered in [Merchant onboarding](/docs/merchant-onboarding). Everything else – objects, interfaces, and flows – is identical. ## What Tilta does Automated underwriting issues a credit facility per buyer, typically within a second, and monitors and renews it without manual review. Present deferred terms in an online checkout, or agree them offline by phone or email and record the order through the API. Capture an invoice for immediate payout, or insure the receivable and keep the collection relationship yourself. 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: 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. 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. 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: Build your own flows against the full endpoint surface. Render Tilta's onboarding and checkout inside your own application. 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 Set up your sandbox credentials and run end-to-end tests with simulated credit decisions and payments before going live. Familiarize yourself with the key concepts, objects, and abbreviations used throughout Tilta's documentation and API. Explore the full REST API reference with request and response schemas, authentication details, and a live playground. Have a question or need sandbox access? Reach the Tilta team at [support@tilta.io](mailto:support@tilta.io).