Credit Key

Credit Key is a financial technology company that offers flexible B2B financing solutions, enabling businesses to access capital instantly and simplifying payment processes. Founded in 2015 by John Tomich, Snap Credit, Inc. doing business as Credit Key is headquartered in Los Angeles, US. The company specializes in providing innovative financing solutions for businesses and has successfully completed 9 deals.

In January 2026, Credit Key raised USD 90 million in growth funding from Barings. Credit Key's primary offerings include a B2B financing solution that enhances purchasing power through instant access to capital and flexible payment options. The service allows businesses to make immediate purchases while deferring payments over terms of Net 30 to 12 months. The innovative virtual card feature enables customers to make payments wherever Visa is accepted in the U.

S. , catering to a diverse range of businesses that require streamlined financing solutions for timely purchases. Credit Key generates revenue by providing its financing solutions tailored for B2B transactions. Clients can complete transactions and receive access to funds quickly, often within 48 hours.

The firm's financial model focuses on partnerships with merchants, allowing Credit Key to be offered as a payment option at the point of sale, which enhances customer conversion rates and increases average order values. The company mitigates risks associated with payment defaults while ensuring merchants receive payments promptly, thus catering to business clients seeking reliable and flexible payment options. Credit Key plans to use the January 2026 funding to improve its payment and financing tools, add staff, and support more business customers and platform partners.