BNPL is rewriting B2B checkout. Your funnel is getting more crowded and buyers want it now. Like right now.

We break down what actually moves deals in a cautious Q3 below.
—Jay & Adam
💼➡️💥
💥 MARKET MOVES:
B2B buyers want Amazon—not email threads
The new gold standard in B2B isn’t competitive pricing or prompt replies.
It’s real-time, zero-friction, Amazon-like transactions.

Today’s business buyers expect the same ease they get when ordering socks:
→ Instant confirmations
→ Seamless payments
→ No manual steps, no waiting
That expectation is driving a wave of straight-through processing (STP)—automated, API-based transactions from order to payment with no human intervention. If your system still relies on PDFs, batch uploads, or email chains, you’re not just behind—you might be locked out.
Visa’s new AR Manager platform is a sign of where we’re headed: virtual cards, instant AR reconciliation, and plug-and-play supplier enablement—no dev work required.
👉 Takeaway:
B2B buyers are no longer waiting around for manual processes to catch up.
If your commerce experience isn’t as smooth as their last Amazon checkout, you’re not their vendor.
The future of B2B is: Click, Confirm, Done.
Anything less feels a bit broken.
🌋 DEMAND & GROWTH:
Modest GDP ≠ Modest Opportunity
Back in February, the University of Michigan projected Q3 U.S. GDP at 1.9%—steady but well, unspectacular. And that was before we knew just how chaotic the dread T-word roll out would be.
But in that dimming light, here’s the move most B2B companies miss: slow growth environments reward speed, not scale.
Your buyers are cautious, not unconscious.

Your buyer
What works in Q3:
→ Show ROI early and often
→ Offer frictionless payment terms (BNPL, pay-later, trial-to-contract)
→ Prioritize lead acceleration, not just lead capture—shorten the time from click to close with intent-based plays
The companies growing this quarter? They’re not waiting for a budget shift.
They’re making the case impossible to ignore.
👉 Takeaway:
In a flat economy, urgency becomes your edge.
With GDP growth stuck below 2%, budgets are tight and decisions are slower. The businesses that lead with ROI and show value fast will outrun the ones waiting for a rebound.
🤝 Outspend on product? Or outsmart with brand.
In most B2B categories, the biggest budget doesn’t win.
The clearest, most compelling brand does.
And here’s the secret:
You don’t need millions to lead.
As little as $15K-20K invested wisely in brand can separate you from the pack.
Because in B2B, buyers don’t always choose the best or cheapest product.
They choose the brand that makes an impression.

Want to see what a smart investment can do for you?
✍️ THE MESSAGING LAB:
Message the group, not just the “buyer”
Adaptive ABM. ABX. Signal-Based Orchestration. Whatever you call it, the shift is clear: B2B marketing is moving from static playbooks to responsive systems that react in real time to how buying groups behave.
And that last part matters most—buying groups.
If we believe a frequently cited Gartner stat, today’s deals involve 11–15 stakeholders, each with different goals, objections, and decision weight. Messaging to “the buyer” won’t cut it. You need to flex one core story across multiple roles, meeting each stakeholder where they are, with what they actually care about.
Finance wants cost clarity
IT wants risk reduction
Ops wants efficiency
Users want usability
Execs want impact
Track who’s engaging and how—then trigger role-specific follow-ups that speak to their slice of the decision.
👉 Takeaway:
The new funnel isn’t a line. It’s a room.
With 70% of the purchasing process happening before anyone even thinks of reaching out to sales, if your message doesn’t land across the group, the deal never gets off the ground.
📊 DATA & INSIGHTS:
Will Buy Now Pay Later democratize access to trade credit in B2B?
The short answer? It already is—but mostly in Europe. Now the real question is:
Will the U.S. catch up—or miss the moment?

via Paypers’ Buy Now Pay Later Report 2025
45% of B2B buyers would spend more if trade credit were available
Abandonment rates hit 80% on SME platforms when flexible payment isn’t offered
43% of B2B buyers don’t even know BNPL exists!
VC is paying attention
Ratio Tech raised $411M to bring BNPL to SaaS and tech verticals
Billie ($100M+) and Mondu ($90M) are gaining traction—and eyeing U.S. expansion
Embedded is the endgame
Amazon Business x Affirm now lets small U.S. businesses pay over 3–48 months
Stripe + Billie, BNP Paribas + Hokodo show how BNPL is becoming part of the infrastructure, not a feature
👉 Takeaway:
BNPL is no longer hype—it’s becoming infrastructure… and it solves a $2.6T credit gap, increases cart size, and removes friction.
In the U.S., the opportunity for a broad category advantage on payments is still wide open.
But it won’t be for long.
🤝 Clicks are easy. Conversions take strategy.
In a cautious market, buyers don’t need more impressions—they need more reasons to act.
Too many B2B teams waste paid budget on campaigns that miss the moment:
→ Landing pages that don’t match intent
→ Creative that doesn’t connect to value
→ CTAs with too much friction, too little clarity
Our ad optimization partner helps you tighten your paid strategy, align with buyer behavior, and convert interest into revenue—faster.
Ready to turn spend into signals buyers actually act on?
💡 Want more ROI in a market that’s moving slower?
🔥 FAMOUS TAKE:
The biggest lie in B2B right now? “We’re waiting for budgets to open up.”
Budgets aren’t frozen. They’re filtered.
Your buyer didn’t ghost you. They just didn’t see the value.
In a market where everyone’s hedging, the clearest case wins.
Stop waiting for momentum and start building conviction.
Because in Q3, deals aren’t lost to competitors.
They’re lost to caution.
B2BOOM! is written and compiled by Jay Dingwall and Adam MacLean, principals at FamousFolks. We started this newsletter to share the ideas, insights, and strategies that actually move the needle for modern B2B leaders in a digestible format that respects your time.
Thanks for reading. You could be spending your time anywhere—we’re glad you’re here. 💥
—Jay & Adam
Heads Up: In each issue of B2BOOM!, we highlight services from our crew at FamousFolks or friends we trust. When you see the 🤝, it means we’re sharing something we genuinely back. We only shout out things we believe are truly valuable for your business—no shady promos, just stuff we stand behind.