Start-up Behalf has a proprietary underwriting platform that provides a credit decision in less than a minute on purchase order financing to small businesses of up to $50,000. Financing for larger transactions is also available, though the approval process takes longer because borrowers must provide more information. Behalf offers buyers net 30 terms at no cost. On those transactions, the seller pays an interchange fee and receives payment within a day. Buyers can receive up to 180 days to settle purchases with their cost rising commensurate with the risk. They can use revolving credit on s...