B2B checkout has a long-standing reputation for being clunky, slow, and a few decades behind consumer commerce. But Samsung’s latest collaboration could finally give business buyers something closer to the smooth, modern experience they’ve been asking for.

Samsung Electronics America has teamed up with Slope, the AI-driven credit and risk infrastructure provider backed by J.P. Morgan and Samsung itself, to bring instant Net 60 and Net 90 payment options directly into Samsung Business checkout. Eligible U.S. business buyers can now receive real-time credit decisions at the moment of purchase, backed by Slope’s live underwriting engine.

In a landscape where most B2B marketplaces still rely on manual approvals or rigid Net 30 terms, Samsung’s move signals a notable shift: flexible financing embedded directly into the commerce flow—not tacked on afterward via emails, PDF forms, or offline credit checks.

The Push Toward Modern B2B Checkout

Samsung’s B2B eCommerce team has been steadily building out features to support SMB and enterprise customers. Extending terms beyond traditional Net 30—and delivering decisions in seconds rather than days—is the next logical step.

The motivation is clear:

• Faster approvals reduce cart abandonment
• Longer terms increase average order value
• Embedded financing boosts conversion without adding friction

B2B buyers, especially SMBs, have become accustomed to consumer-grade eCommerce. They expect the same convenience when purchasing laptops, monitors, smartphones, or enterprise devices—minus the paperwork.

Lawrence Lin Murata, CEO and Co-founder of Slope, sums it up succinctly:
“Modern B2B checkout should feel as simple as a card, only smarter.”

That “smarter” piece is where Slope’s AI underwriting comes in.

Real-Time Credit Decisions at Checkout

Slope’s underwriting engine pulls from transaction-level data, financial signals, and proprietary risk models to generate instant credit decisions. Instead of waiting for manual reviews, buyers can choose Net 60 or Net 90 and receive approval in seconds.

This isn’t just convenient—it fundamentally shifts how companies manage working capital. Buyers get more breathing room. Sellers get paid. And the entire credit workflow stays embedded inside the checkout experience.

For enterprise customers, Slope and Samsung go even further. Approved buyers can tap into a reusable line of credit with blanket terms, enabling authorized team members to place orders without renegotiating terms on every purchase. Enterprises can move fast without exposing themselves to inconsistent credit risk processes.

Solving the Hard Problems of B2B Checkout

It’s easy to underestimate how complex B2B commerce is compared to consumer transactions. Samsung’s checkout supports nuances like:

• Partial settlements
• Trade-in flows
• Bundled device offers
• Multi-party purchasing roles
• High-volume purchasing cycles

These workflows have historically made embedded financing a challenge at global scale. Most vendors treat exceptions as offline workflows, resulting in friction just when buyers need flexibility.

Samsung and Slope aim to eliminate that friction by building a financing layer that can adapt to enterprise-grade scenarios—not just SMB retail flows.

Part of a Much Bigger Play

The Samsung partnership arrives just weeks after Slope announced a major collaboration with Alibaba.com—a clear sign that the company intends to become the de facto credit and underwriting engine for large marketplaces and global brands.

Backed by J.P. Morgan and Samsung, Slope is positioning itself at the intersection of:

• real-time credit decisioning
• embedded finance
• B2B eCommerce infrastructure
• AI-powered risk analysis

The company is building toward the same vision that consumer fintech embraced years ago: financial experiences that are invisible, automated, and instantly available.

For Samsung Business, that vision translates into a checkout experience that rivals consumer eCommerce while supporting the operational complexity of enterprise procurement.

The Market Impact

Here’s why this partnership matters beyond Samsung’s ecosystem:

1. B2B payments are shifting to longer, flexible terms.

Net 30 is becoming outdated as supply chains tighten and working capital becomes more critical.

2. AI underwriting is moving from buzzword to infrastructure.

Instant decisions at checkout are quickly becoming table stakes in modern B2B commerce.

3. Marketplaces want stickier, higher-value buyers.

Flexible terms typically increase order frequency and order size.

4. Enterprise-scale embedded financing has been notoriously difficult—until now.

Solving trade-ins, partial payments, and multi-agent orders is a major step forward.

5. Big-brand participation is accelerating the shift.

Samsung and Alibaba adopting Slope suggests the tide is turning fast.

Rolling Out in the U.S.

Samsung began rolling out Slope-powered Net 60/90 financing to U.S. Business customers in Q3 2025. Early adoption is expected to be strong among SMBs that need more flexible payment options, as well as enterprises centralizing device procurement.

As global manufacturers and marketplaces continue pushing toward seamless, embedded financing, partnerships like this one could mark the beginning of a new standard: B2B checkout that feels less like paperwork—and more like progress.