# Overview

Yumi provides an **SDK and API** that enables **B2B Buy Now, Pay Later via Net-30 invoice terms** directly inside checkout or invoicing flows.

Suppliers get paid **immediately**, while buyers can pay **30 days later, with an option to split the payment on day 15,** with Yumi handling credit decisions, collections, and repayment operations end-to-end.

### Why Yumi’s B2B BNPL?

#### Improve Conversion & Order Size

Offering Net-30 payment terms removes buyer cash-flow friction, helping suppliers close deals faster and increase average order values — especially with new or cross-border buyers.

#### Get Paid Instantly, Eliminate Risk

Suppliers receive full settlement upfront while Yumi assumes default risk and collections. No accounts receivables overhead, no bad debt exposure.

#### Predictable, Transparent Pricing

Yumi charges a 2-5% fee on the invoice amount, paid by the supplier only when BNPL is used.

### How It Works

* **Net-30 Terms**

  Buyers pay the invoice **30 days after purchase**.
* **Controlled Exposure**

  Yumi applies **per-buyer and per-transaction limits**, starting conservatively for new buyers and increasing limits as repayment history is established.
* **SME-Focused Transactions**

  Currently supports **SME-sized invoices**, typically ranging from **a few hundred to a few thousand USD/EUR**.
* **Collections & Reminders Included**

  If a buyer fails to pay on time, Yumi manages **reminders, follow-ups, and collections**, and may negotiate short extensions with the buyer.

### Key Features

* **Drop-in BNPL Option**

  Net-30 appears seamlessly alongside existing payment methods.
* **Minimal integration**\
  Most teams get started using our API & SDK in under a week of development work
* **Instant Settlement**

  Suppliers receive funds upfront, independent of buyer repayment timing.
* **Built-in Credit Controls**

  Dynamic limits per buyer and transaction to manage risk.
* **Live Dashboard**

  Monitor GMV, outstanding invoices, repayment status, and buyer performance in real time.
* **No Operational Burden**

  Yumi handles underwriting, credit decisions, servicing, dunning, and collections — suppliers simply sell.