Buy what your business needs now with Two trade credit.

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How does Two help?

Two lets eligible trade customers request credit at checkout, giving you a quicker way to order for your business without a complicated application process.

Access instant trade credit.

No more lengthy application forms or excessive wait times - just simple, straightforward business purchases.

  • Instant credit check
  • No interest or fee. Buy now, pay later.
  • Access to buyer portal
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  • Shop with confidence

  • Forget admin

  • Pay the way you prefer

  • Buy now, pay later

Checkout and select Two

Identity verification is completed during checkout to help protect your account and reduce the risk of fraudulent orders.

Receive and pay your invoice

After your order is accepted, Two will issue the invoice for payment in line with your agreed terms, just as you would handle any other business invoice.

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You need to be logged in to apply or use trade credit. Please use the link below to login or register.

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Frequently asked questions

Will using Two affect my credit score?

No. Applying through Two at checkout does not leave a footprint on your credit score, so you can request net terms without changing it.

How does Two help protect against fraud?

Two uses layered security measures such as encryption, ongoing fraud monitoring, and real-time risk checks to help protect transactions and sensitive business information.

How do I pay a Two invoice?

Your invoice includes the payment details you need. Two currently accepts bank transfer payments and, for UK customers, direct debit. For help with direct debit, contact support@two.inc.

How is my credit limit calculated?

Two determines your credit limit using business information such as your latest filed accounts or, where relevant, data shared through Open Banking for UK buyers. It may also consider factors like how long your company has been trading to set a limit suited to your likely purchasing needs.

What happens if I pay you instead of Two?

If payment is sent to us by mistake, contact us directly. We can either refund you so you can pay Two yourself, or arrange for the original invoice amount to be passed on to Two.

Why we offer Two

New jobs often come with upfront costs, and we know that can put pressure on cash flow when you are trying to grow your business. That is why we have introduced Two as a checkout payment option for trade customers. If approved, you can place your order using interest-free credit and settle the balance at the end of the month plus 30 days.