APPROVALS UP TO
Up to $50k Instantly
QUALIFY FOR NET
Payment Terms at No Cost
FINANCING UP TO
Months
FEES STARTING AT
Per Month
Click the 'Inquire Now' link and complete the application in 1-2 minutes. Approvals can be instant; however, sometimes we need to manually review your application.
When you're ready to order, let your vendor know you would like to pay using BackdPayments.
If your vendor works with us already, they will create a new order.
You will receive an email requesting you to select payment terms.
Click the button in the email, select payment terms and complete your order.
If you are shopping online, choose BackdPayments at checkout.
Log in to your BackdPayments account and review your payment options.
Select the payment terms that fit your needs.
Confirm your selection and complete your order.
If you do not meet these requirements, we may still be willing to take other factors into consideration to issue an approval on a case-by-case basis.
Not finding what you're looking for?
Reach out, we'd be happy to answer questions.
What is BackdPayments, and how does it help my business?
BackdPayments lets you purchase from your vendors now and pay later using flexible Net Terms (Net 15–90) or extended financing up to 24 months. You choose the payment schedule that matches your cash flow — giving you more flexibility to buy what you need, when you need it.
How do I apply?
You can apply through your vendor in just a few minutes. If your vendor is not yet enrolled, complete the form on this page and we’ll contact them to help get BackdPayments set up.
How long do approvals take?
Most buyers are approved instantly. If your application requires additional review, you will receive an email immediately, and our team will typically follow up within 15–20 minutes.
What payment options are available?
You can select Net Terms (Net 15, 30, 45, 60, or 90) or extended financing up to 24 months, depending on eligibility.
Will this affect my personal credit?
No. If we need to check your personal credit, we only use a soft inquiry, which does not impact your score.
How do repayments work?
Payments are automatically withdrawn via secure ACH from your business bank account on your selected schedule. You can track all payment dates, balances, and invoices in your BackdPayments portal.
Can I pay early?
Yes. You can pay early at any time to free up credit for additional purchases. There are no prepayment penalties, and when you pay off the balance early, you are not responsible for any remaining interest.
What if I need a higher credit limit?
Email BNPLsupport@backd.com or call (737) 256-6558. Tell us how much you need and why, and we’ll review your account for an increase — often the same day.
Why wasn’t I approved instantly?
This typically means we need to verify a detail such as business information or tax ID. Approvals requiring manual review usually take under 30 minutes. If urgent, call us at (737) 256-6558.
Why was my application denied?
You will receive an email explaining the reason. If you want clarification or want to understand how to improve your eligibility, call us and we will walk you through next steps.
Can I reapply?
Yes. You can reapply anytime — especially if your business revenue, credit profile, or vendor relationships have improved.
What if I am about to miss a payment?
Call us immediately at (737) 256-6558. The sooner you contact us, the more options we have to help you stay current.
How do I contact support?
Email BNPLsupport@backd.com or call (737) 256-6558 during business hours. We’re here to help.
Can I view my transactions and payment schedule online?
Yes. Log in at backd.com/auth anytime to view your credit limit, payment schedule, transaction history, and outstanding balances.
Can I use BackdPayments with multiple vendors?
Absolutely. Once approved, you can use your line across any participating vendors. If you need additional credit for a new vendor or larger purchase, let us know.
Are there fees or interest charges?
Net 30 is typically no cost. For longer terms or extended financing, a transparent monthly financing fee applies, starting around 1% per month depending on your credit profile. All fees are clearly displayed before checkout—no surprises.
Can I use Backd for other business funding?
Yes. If you’re approved for BackdPayments, you may also qualify for additional working capital through Backd. Call us to learn more.
Backd HQ
1949 S I-35 Frontage Rd
Austin, Texas 78741, USA
1A business installment loan is originated by FinWise Bank, a Utah-chartered bank, Member FDIC and serviced by Backd.
2Decisions and funding may take additional time and not be same-day. Additional information may be required. Time to receive funds varies based upon your financial institution's receiving schedule and operating hours.
3Your application, including the amount, cost, and approval, is subject to review and is not guaranteed.
4Terms and conditions subject to change without prior disclosure or notice.
