Yellowpay is a B2B Buy Now Pay Later platform for America's $310B construction and energy industry, solving a structural cash flow problem that has persisted for decades.

For manufacturers, wholesalers, and contractors, projects run on long timelines with materials needed upfront, long before the work generates revenue. The money flows in at the end, but the costs hit at the beginning, and the financing options built to bridge that gap are slow, rigid, and built for a different era.

Yellowpay closes that gap by paying suppliers within 24 hours while giving buyers up to 120 days to repay. Credit decisions are instant, backed by Allianz and COFACE, two of the world's largest credit insurers. Everything runs on one platform, no friction, no chasing, no waiting.

The platform is already live, processing at a $24M annual run rate and profitable, with 500 customers and 100% supplier retention since launch. Signed supplier agreements represent $75M in potential annual credit financing, and demand is already outpacing available capital. Growth has been 120% year-over-year, driven entirely by referrals. The biggest opportunities are in the fastest-growing segments: renewable energy construction at 9.3% CAGR and AI data center construction at 10.7%.

Payments are the foundation. The bigger goal is to become the financial infrastructure that B2B trade runs on, with banking, cards, and AI-powered cash flow tools built on top.

The founding team previously built and scaled a construction services company together, watching the payment gap break deals firsthand. Between them they have raised $10M, logged a successful exit, and held leadership roles at EY and SolarCity, acquired by Tesla for $2.6B. Early backers include Chris Lustrino, founder of Kingscrowd, alongside other notable operators and investors in fintech, energy, and construction.

Now everyday investors have the opportunity to help Yellowpay scale.

Yellowpay processes $2M in transaction value monthly with 100% supplier retention.

Growth has come entirely through word-of-mouth, with minimal paid acquisition. Suppliers adopt Yellowpay, bring their buyers onto the platform, and refer other suppliers in their network. Each new supplier expands the network and adds transaction volume, compounding growth without compounding costs.

That referral flywheel is what drives 120% year-over-year growth.

Let’s look at an example.

Marcus is an electrical contractor in Dallas. He wins a subcontract on an AI data center build and orders $120,000 in materials from his wholesaler to get started. The wholesaler ships immediately and needs to get paid. Marcus won't collect from his customer for another 90 days. His wholesaler can't wait that long, and Marcus can't pay upfront without draining his operating capital. The deal almost doesn't happen.

This is the default friction of B2B trade. Suppliers ship first and wait. Buyers need materials before a project pays out, and often turn down work they could otherwise win because the cash flow doesn't line up. And while these payment problems exist for all B2B trade projects, they are particularly problematic for capital-intensive industries such as AI data centers, renewable energy projects, and large-scale commercial construction.

That gap has been breaking deals in this industry for decades, and no one has built clean, purpose-built infrastructure to close it. The existing options are too slow, too rigid, or designed for a different kind of business entirely.

Yellowpay is B2B payments infrastructure built for manufacturers, wholesalers, and contractors.

A supplier uploads an invoice, buyers are automatically pre-qualified, and Yellowpay makes an instant credit decision and pays the supplier within 24 hours. The buyer repays Yellowpay within 120 days. Every invoice is backed by Allianz and COFACE, two of the world's largest credit insurers, who cover 90% of any default.

Yellowpay earns approximately 8.5% on total volume processed. No complex onboarding, no surprise fees.

While fees vary by structure and duration, here is an example of how it could look in practice. Marcus needs $120,000 in electrical supplies for his AI data center subcontract. Yellowpay pays his wholesaler within 24 hours. Both the wholesaler and Marcus pay a fee for the service, and Marcus repays Yellowpay over the next 90 days. On a transaction this size, Yellowpay earns approximately $10,200 across both sides.

Suppliers close more deals without waiting on payment. Buyers get the materials they need on a timeline that matches how their business actually operates. Yellowpay and its investors earn consistent, predictable returns on every transaction.

Every transaction on the Yellowpay platform is backed by Allianz and COFACE, two of the largest credit insurers in the world. Between them, they monitor the financial health of hundreds of millions of businesses across 160+ countries. Their underwriting process evaluates the quality of every borrower pool and the integrity of every credit process before a dollar of coverage is extended. Yellowpay has earned that backing, and it covers 90% of any default. That leaves Yellowpay with a net credit exposure of just 6 cents on every dollar deployed.

With that downside covered, Yellowpay captures the full upside on every transaction. Yellowpay earns 8.5% on every dollar it processes, and because the average invoice is repaid in around 65 days, that same capital gets redeployed roughly six times a year. The result is an annual return on deployed capital of approximately 50%.

Heavily insured downside and fast-recycling, high-yield capital on every transaction is what gives Yellowpay strong unit economics with low credit risk.

Every customer who has used Yellowpay has used it again. The platform has a 96% collection rate and a 100% supplier retention rate since launch. Suppliers say they cannot imagine going back to chasing payments.

That kind of retention is the signature of a product solving a problem companies have struggled with for years.

Yellowpay's founding team — Rune Skog, Nathan Kannady, and Bjørnar Skog — previously worked together for more than five years building and scaling a construction services company where they witnessed the supplier-buyer payment gap break deals firsthand. They identified the problem from inside the industry, tested a credit solution with their own contractor customers, and built Yellowpay from what they learned.

Between them, the founders have started three companies, logged one successful exit, and raised $10M across those ventures, reaching profitability each time. Their leadership experience also includes EY and SolarCity, acquired by Tesla for $2.6B.

The U.S. construction materials market is valued at $310 billion, and most of it still runs on the same broken payment infrastructure. The biggest growth is in the segments where the payment problem hits hardest — renewable energy and AI data center construction — and Yellowpay already has customers in both.

The broader opportunity is B2B BNPL as a category. Most investors know consumer BNPL through companies like Klarna and Afterpay, a market that has already produced billions in exits and acquisitions. B2B BNPL is growing faster, and it dwarfs the consumer market in scale.

Construction is where Yellowpay starts. The goal is to become the payment infrastructure for B2B trade at scale, a market projected to process $30 trillion through BNPL platforms by 2030.

In 2025, Yellowpay processed $15.5M in total transaction volume, generated $1.35M in revenue, and turned approximately $90K in net profit. Monthly volume is currently $2M and growing. The platform reached profitability by year three, growing at 120% year-over-year with minimal paid acquisition.

Signed supplier agreements represent $75M in potential annual credit financing. Demand is already outpacing available capital, and a new lending arrangement with eCapital coming online later this year cuts Yellowpay's borrowing costs from 19.25% to 12.25%, meaning better margins on every transaction funded. Every dollar raised goes directly into funding transactions already in the queue.

Yellowpay's goal is to reach $80M in total platform volume and $1M in net profit by 2027. Getting there means more volume in construction, new revenue from online B2B purchases through a recently launched API, and the introduction of banking and AI cash flow services that turn Yellowpay's payment infrastructure into a broader financial platform for B2B trade.

Future projections not guaranteed.

The Buy Now Pay Later (BNPL) category has produced some of fintech's largest exits. Consumer players such as Klarna and Afterpay have already gone public or been acquired at multi-billion dollar valuations.

The B2B side is where capital is moving now. Over $200 billion in B2B BNPL transactions are processed annually, growing at 25% a year, with B2B payment and financing platforms such as Billie and OfBusiness raising at unicorn valuations.

infrastructure to their existing platforms. While we can’t make guarantees, the most likely exit is acquisition — by a payments platform, a financial institution, or an industry player building out a financial services layer.

Future projections not guaranteed.

Yellowpay is solving one of the oldest and biggest problems in B2B commerce: the gap between when suppliers need to get paid and when buyers can pay. In 2025 alone, the platform processed $15.5M in transaction volume, grew 120% year-over-year, and turned a profit.

With 500 customers, 100% supplier retention since launch, and minimal paid acquisition, demand is outpacing available capital. A new credit facility coming online this year cuts the cost of that capital significantly.

This round is open to investors who want to get in early on the next major B2B BNPL company, with unit economics that work.

Invest now at wefunder.com/yellowpay/invest