Area42

At AREA42, our mission is to create financial solutions that make trade fluid and risk-savvy. Our vision is a world where trade is frictionless. Our working capital solutions include Terms.Tech and GrowKap. How do these help European SMES? Terms.Tech is AREA42’s B2B Buy Now, Pay Later solution that enables companies to get paid upfront while offering extended payment terms to their buyers directly from their e-commerce platform or marketplace. Terms.Tech de-risks transactions by providing immediate payment to the merchant, allowing buyers more time to pay (up to 120 days), improving cash flow for both, and increasing sales and order volume. Terms.Tech includes both online or offline solutions providing maximum flexibility. GrowKap is AREA42’s purchase order financing solution that enables growth-stage companies to take on bigger orders while ensuring their suppliers are paid upfront. Growing companies are caught in the middle and we provide the solution for that cash gap. GrowKap gives growing companies more negotiating power, allows them to build trust with their suppliers and big buyers, and solves short-term working capital needs. Together with disruptors, technologists, and visionaries, we build a more fertile trade environment. We design ambitious visions. We experiment and launch new customer-centric trade solutions. We turn trade technology innovations into new growth engines and create financial solutions for European SMEs. Together, we will make trade future-proof.