Wholesale is stuck in paperwork. We're rebuilding it instant.
One platform where SMB buyers get instant credit and SMB sellers get paid same-day — underwritten by AI, insured by Allianz Trade, settled over real-bank rails, and policed by bank-grade compliance that examiners actually trust.
The problem
$32 trillion of B2B trade still runs on 1980s plumbing.
Sellers wait 60-90 days for invoices to settle — their cash is frozen, their inventory turn collapses.
Buyers can't get credit fast. Manual KYB, paper trade-references, spreadsheet credit decisions, and ghosting risk on both sides.
Wholesalers stitch 7+ vendors — QuickBooks · Shopify · Stripe · a BNPL · a freight carrier · an insurer · a sponsor bank — none talk to each other.
Compliance is brutal. ECOA · BSA/AML · OFAC · NACHA · GLBA · SR 11-7 · 1071 — small wholesalers literally cannot afford to be compliant.
Incumbents pick a side. The big-five B2B BNPLs (TreviPay, Resolve, Apruve, Two, Hokodo) serve buyers or sellers — never both — and none of them own the rails.
What we've already shipped
A wholesale OS that already works.
Full PO-to-pay loop. PO upload → AI credit decision (seconds) → invoice → instant disbursement → carrier integration → reconciliation.
Multi-funder credit. Lender · seller · platform · Allianz-insured. One credit line works across every supplier the buyer touches.
Real money rails. ACH · wire · card · wallet — TabaPay / Stripe / Astra · not a third-party reseller.
Bank-grade compliance baked in. 16-rule AML engine · live OFAC SDN screening · 8-step policy gate on every transaction · 37-page examiner portal already in production.
Five portals, one ledger. Buyer · Seller · Lender · Insurance partner · Sponsor Bank — every party sees their own truth in real time.
For the seller
Get paid Day-0.
Same-day disbursement on every invoice. Re-buy inventory the same week instead of next quarter. Inventory turn improves 5-6x. Working capital is no longer the ceiling on growth.
For the buyer
Pay Net-60, frictionlessly.
One credit line across every supplier. No spreadsheets · no late fees · no re-underwriting · no paper trade references. Approved in seconds. Insured by Allianz. Honored everywhere.
Wholesale is a two-sided liquidity problem. Fix only the buyer, sellers starve. Fix only the seller, buyers churn. Fix both at once and the network compounds.
v
verqo
The market · why now · why us
The market
A $32T market. Only 7% digitized.
$32T
Global B2B trade volume
$1.45T
US B2B BNPL TAM by 2028
26%
CAGR B2B BNPL · 2024-28
~7%
Of B2B trade fully digitized
Seller pull
89%
of SMB suppliers cite slow payments as their #1 operational risk.
Buyer pull
64%
of SMB buyers say they'd buy more, more often if Net-60 was instant.
Incumbent gap
0 of 5
top US B2B BNPLs serve both sides natively with a unified ledger.
Why all-in-one is the next-gen wholesale platform
Wholesalers don't need seven point-tools. They need one operating system.
One ledger
Every PO, invoice, credit line, repayment, dispute, and shipment lives in a single source of truth. Buyer, seller, lender, insurer, and bank all see the same row in real time.
One trust layer
AI Buyer Score · Seller Trust · 16-rule AML · OFAC · ECOA · NACHA · SR 11-7 — applied automatically to every transaction. Compliance becomes a feature, not a tax.
One money stack
Wallet, ACH, wire, card, Allianz cover, and lender financing — all addressed through a single API. No reseller middlemen, no fragmented reconciliation.
One AI brain
The same models that decide credit also detect fraud, predict breaches, route shipments, and parse purchase orders. Network effects compound with every transaction.
Wholesale is the last giant industry without its own native operating system.
Stripe owned online payments. Shopify owned online retail. Plaid owned bank-account access. Verqo will own global B2B wholesale — because we're the first to fix the two-sided liquidity, compliance, and trust problem with one unified stack.