Treyd

High-Level Overview

Treyd is a B2B fintech company founded in 2019 and headquartered in Stockholm, Sweden, specializing in buy-now-pay-later (BNPL) solutions for supplier invoices.[1][2][3] It enables businesses to defer payments to suppliers while accessing upfront financing, freeing up capital tied in supply chains for growth investments like hiring or inventory expansion; the platform serves retail, fashion, furniture, wholesale, and electronics sectors across the Nordics, UK, and Ireland, supporting over 1,000 brands and facilitating €360 million in transactions.[1][3] With $12 million raised in recent funding (following a $10 million Series A in 2022), Treyd targets growing companies with £200K+ annual revenue and one year of proven success selling physical goods, offering financing for inventory, supply chain services, and even marketing costs.[1][2][3]

Origin Story

Treyd was founded in 2019 (with some sources noting 2020 operations start) by CEO and co-founder Peter Beckman, addressing cash flow bottlenecks in supply chains for scaling businesses.[1][2][4] The idea emerged from recognizing how capital gets "stuck" in inventory transit, forcing tough choices between growth and stocking up; early traction built through serving physical goods sellers, leading to expansion from Sweden across Nordics, UK, and Ireland.[1][2][3] Pivotal moments include a $10 million Series A in March 2022, followed by a $12 million round for product development and international scaling, with volumes tripling since early 2024 under new leadership additions like Knut for global expansion.[1][2]

Core Differentiators

• Tailored BNPL for Supply Chains: Unlike general financing, Treyd focuses on supplier invoice deferral and upfront funding for physical goods, inventory, freight, and marketing, enabling negative cash conversion cycles without diluting equity.[1][3]
• Broad Sector Fit and Accessibility: Serves high-growth verticals like retail and fashion with simple criteria (£200K+ revenue, 1-year track record), integrating seamlessly for businesses avoiding traditional bank delays.[2][3]
• Proven Scale and Momentum: Over €360M in transactions, 1,000+ brands, and backing from Nineyards Equity, Zenith VC, J12 Ventures, and Antler; recent $12M funding fuels product innovation and international leadership.[1][2]
• Growth-Focused Flexibility: Non-dilutive funding keeps momentum, with customer testimonials highlighting cash flow control for reinvestment, positioning it ahead of competitors like Froda or Liberis in supplier-specific BNPL.[1][3]

Role in the Broader Tech Landscape

Treyd rides the embedded finance wave in B2B fintech, capitalizing on e-commerce and supply chain digitization trends accelerated by post-pandemic disruptions, where businesses face volatile inventory costs and longer lead times.[1][2][3] Timing aligns with rising demand for flexible, API-friendly financing amid high interest rates and economic uncertainty, enabling SMEs to compete globally without traditional loans; market forces like Nordic fintech hubs and UK expansion favor its model, influencing the ecosystem by partnering with platforms like Froda for inventory solutions and proving BNPL viability beyond consumers.[1][2] As a category creator in supplier financing, it reduces supply chain friction, supporting broader startup growth in physical goods sectors.

Quick Take & Future Outlook

Treyd is poised for aggressive international scaling post-$12M funding, targeting global leadership with tripled volumes signaling product-market fit in underserved B2B BNPL.[1] Trends like AI-driven risk assessment and deeper embedded finance integrations will shape its path, potentially expanding to more sectors or regions amid stabilizing economies; its influence may evolve from Nordic disruptor to pan-European standard-setter, empowering more brands to prioritize growth over cash crunches. This positions Treyd as a key enabler in freeing supply chain capital, directly tackling the cash flow constraints outlined at the outset.[1][2][3]