Two Secures Major Funding, Fuels Global B2B Payments Revolution
July 14, 2025, 9:38 am
Location: Spain, Community of Madrid, Boadilla del Monte
Employees: 10001+
Founded date: 1996
Oslo-based FinTech firm Two secures €13 million funding, elevating total investment over €40 million. This capital drives aggressive expansion into the US and key Western European markets. Two pioneers B2B digital payments, providing instant upfront payments for sellers, flexible net terms for buyers, and AI-powered fraud prevention. The company revolutionizes the massive $100 trillion B2B commerce sector, moving it from outdated manual systems to seamless, digitized solutions. Two's proven technology, including proprietary risk engines, and strategic partnerships, like Visa, position it for explosive growth and global market leadership. It transforms how businesses transact, boosting efficiency and security for enterprises worldwide.
Two secures significant investment. The Oslo-based B2B payments platform raised €13 million. This strategic funding round propels Two forward. Total investment now exceeds €40 million. Top investors led the round. Idékapital and Shine Capital are key backers. New investor Investinor joined the syndicate. Existing partners reaffirmed their commitment. Antler, Sequoia Capital, Alliance Ventures, Arkwright, and Local Globe remain highly supportive. This substantial capital injection marks a pivotal moment for global B2B commerce.
Two’s mission is clear. It transforms B2B transactions. The core goal: make them as effortless as consumer checkouts. Traditional B2B payments lag far behind. Manual processes dominate. Checks are still commonplace. Accounts Payable departments face inefficiency. Two offers a modern, digital alternative. Sellers receive instant upfront payments. Buyers gain flexible net terms. This boosts cash flow for businesses. The platform also features AI-powered fraud prevention. This comprehensive suite addresses critical business needs. It builds trust in B2B transactions.
The company built robust payment infrastructure. It includes proprietary risk engines. These are named Frida and Delphi. An end-to-end business onboarding solution streamlines setup. Embedded deferred payment capabilities are tailored for business transactions. This advanced technology underpins Two's offerings. It ensures secure and efficient operations. Over 200 merchants already deploy its solutions. These span the Nordics and broader Europe. Its modular software adapts to diverse enterprise requirements.
The B2B payments market is enormous. It approaches $100 trillion in volume annually. Most transactions still use traditional, slow methods. This sector faces a massive digitization wave. It mirrors the consumer FinTech shift. Businesses now demand modern, scalable infrastructure. Fragmented, manual processes are becoming obsolete. The B2B e-commerce market expands rapidly. Projections show it could reach €41 trillion by 2030. This makes it six times larger than B2C commerce. The urgent need exists for embedded, credit-insured payment infrastructure. Two meets this demand head-on.
A critical market gap exists. Most B2B buyers prefer invoice payments. An estimated 95% favor this method. Yet, few sellers offer online invoicing. Less than 10% are equipped digitally. This creates friction in business commerce. Two bridges this gap effectively. Its platform allows sellers to offer net terms easily. It simplifies a historically complex process. The company’s real-time underwriting engine is crucial. It provides instant credit decisions. This empowers businesses to transact more freely and securely. It reduces credit risk for sellers.
The new funding fuels global reach. Two plans significant expansion. It targets the vast US market. Select Western European markets are also in sharp focus. The US launch proved highly successful. It represents over 20% of total revenue. This rapid adoption occurred in under three months. The company's diverse team supports this global vision. They operate across 15 countries. Offices are strategically located in Oslo, Stockholm, Glasgow, and London. This global footprint enhances its service delivery.
Two demonstrates strong momentum. Revenue and payment volume are soaring. Projections indicate over 150% year-over-year growth for 2025. Strategic partnerships bolster this expansion. Recent collaborations include Visa, ABN AMRO, Qliro, Avarda, and Wikinggruppen. Existing relationships with Allianz and Santander also strengthen its financial network. These alliances extend Two's market reach and enhance its solution capabilities. They validate its market leadership.
Two stands out in a crowded FinTech market. Its unique underwriting technology provides a key competitive advantage. Deep understanding of industry network effects drives its strategic decisions. The company focuses on solving significant, pervasive business problems. It builds foundational infrastructure. This empowers the next era of global B2B commerce. Two aims to be a global category leader. It transforms manual, credit-restricted processes into seamless digital flows. This commitment to innovation defines its approach.
Businesses worldwide benefit from Two’s innovation. They gain substantial efficiency. Payment processes become streamlined. Fraud risks diminish significantly. Access to credit improves for buyers. Sellers experience faster payouts and improved cash flow. This fuels business growth. It supports broader economic activity. Two's solutions accelerate the digital shift. The company makes B2B commerce truly modern. It sets new standards for business transactions across continents. This leadership position shapes the future of B2B FinTech.
Two secures significant investment. The Oslo-based B2B payments platform raised €13 million. This strategic funding round propels Two forward. Total investment now exceeds €40 million. Top investors led the round. Idékapital and Shine Capital are key backers. New investor Investinor joined the syndicate. Existing partners reaffirmed their commitment. Antler, Sequoia Capital, Alliance Ventures, Arkwright, and Local Globe remain highly supportive. This substantial capital injection marks a pivotal moment for global B2B commerce.
Two’s mission is clear. It transforms B2B transactions. The core goal: make them as effortless as consumer checkouts. Traditional B2B payments lag far behind. Manual processes dominate. Checks are still commonplace. Accounts Payable departments face inefficiency. Two offers a modern, digital alternative. Sellers receive instant upfront payments. Buyers gain flexible net terms. This boosts cash flow for businesses. The platform also features AI-powered fraud prevention. This comprehensive suite addresses critical business needs. It builds trust in B2B transactions.
The company built robust payment infrastructure. It includes proprietary risk engines. These are named Frida and Delphi. An end-to-end business onboarding solution streamlines setup. Embedded deferred payment capabilities are tailored for business transactions. This advanced technology underpins Two's offerings. It ensures secure and efficient operations. Over 200 merchants already deploy its solutions. These span the Nordics and broader Europe. Its modular software adapts to diverse enterprise requirements.
The B2B payments market is enormous. It approaches $100 trillion in volume annually. Most transactions still use traditional, slow methods. This sector faces a massive digitization wave. It mirrors the consumer FinTech shift. Businesses now demand modern, scalable infrastructure. Fragmented, manual processes are becoming obsolete. The B2B e-commerce market expands rapidly. Projections show it could reach €41 trillion by 2030. This makes it six times larger than B2C commerce. The urgent need exists for embedded, credit-insured payment infrastructure. Two meets this demand head-on.
A critical market gap exists. Most B2B buyers prefer invoice payments. An estimated 95% favor this method. Yet, few sellers offer online invoicing. Less than 10% are equipped digitally. This creates friction in business commerce. Two bridges this gap effectively. Its platform allows sellers to offer net terms easily. It simplifies a historically complex process. The company’s real-time underwriting engine is crucial. It provides instant credit decisions. This empowers businesses to transact more freely and securely. It reduces credit risk for sellers.
The new funding fuels global reach. Two plans significant expansion. It targets the vast US market. Select Western European markets are also in sharp focus. The US launch proved highly successful. It represents over 20% of total revenue. This rapid adoption occurred in under three months. The company's diverse team supports this global vision. They operate across 15 countries. Offices are strategically located in Oslo, Stockholm, Glasgow, and London. This global footprint enhances its service delivery.
Two demonstrates strong momentum. Revenue and payment volume are soaring. Projections indicate over 150% year-over-year growth for 2025. Strategic partnerships bolster this expansion. Recent collaborations include Visa, ABN AMRO, Qliro, Avarda, and Wikinggruppen. Existing relationships with Allianz and Santander also strengthen its financial network. These alliances extend Two's market reach and enhance its solution capabilities. They validate its market leadership.
Two stands out in a crowded FinTech market. Its unique underwriting technology provides a key competitive advantage. Deep understanding of industry network effects drives its strategic decisions. The company focuses on solving significant, pervasive business problems. It builds foundational infrastructure. This empowers the next era of global B2B commerce. Two aims to be a global category leader. It transforms manual, credit-restricted processes into seamless digital flows. This commitment to innovation defines its approach.
Businesses worldwide benefit from Two’s innovation. They gain substantial efficiency. Payment processes become streamlined. Fraud risks diminish significantly. Access to credit improves for buyers. Sellers experience faster payouts and improved cash flow. This fuels business growth. It supports broader economic activity. Two's solutions accelerate the digital shift. The company makes B2B commerce truly modern. It sets new standards for business transactions across continents. This leadership position shapes the future of B2B FinTech.