Hokodo works with wholesalers, online B2B marketplaces and other merchants to make selling to business buyers easier. Unlike consumers, businesses generally expect to pay on credit terms. To manage this risk, sellers traditionally resort to paper-based trading account applications and manual credit decisions. Hokodo streamlines this whole process, allowing sellers to make credit decisions in real time when the customer reaches the check-out. We protect the seller by insuring the credit risk with Lloyd’s of London, and we arrange the financing so our sellers can get paid upfront if they choose. Our digital platform combines instant credit assessments and fully automated limits management, all served up via APIs in less than 1 second.