Two
Founded Year
2020Stage
Series B | AliveTotal Raised
$46.16MLast Raised
$15.2M | 4 mos agoMosaic Score The Mosaic Score is an algorithm that measures the overall financial health and market potential of private companies.
+84 points in the past 30 days
About Two
Two specializes in B2B Buy Now Pay Later (BNPL) payment solutions within the e-commerce sector. The company offers services that enable merchants to provide high net term credit limits, manage credit and fraud risks, and streamline the checkout process for business customers. Two's solutions cater to various sectors, including construction, wholesale, B2B marketplaces, and SaaS. Two was formerly known as Tillit. It was founded in 2020 and is based in Oslo, Norway.
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Two's Product Videos
ESPs containing Two
The ESP matrix leverages data and analyst insight to identify and rank leading companies in a given technology landscape.
The buy now pay later (BNPL) — B2B payments market allows businesses to acquire goods and services immediately and pay for them in installments over time, helping to increase purchasing power and manage working capital and cash flow. These solutions provide streamlined application processes, quick approvals, and transparent terms. They typically include online platforms, embedded finance tools, or…
Two named as Challenger among 15 other companies, including Affirm, PayPal, and Mondu.
Two's Products & Differentiators
Guest Checkout
Enables B2B buyers to complete a purchase online in under 60 seconds without creating an account. Designed for one-off and infrequent buyers with an AOV of €650.
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Research containing Two
Get data-driven expert analysis from the CB Insights Intelligence Unit.
CB Insights Intelligence Analysts have mentioned Two in 4 CB Insights research briefs, most recently on Jun 6, 2025.
Jun 6, 2025
The SMB fintech market map
Aug 23, 2024
The B2B payments tech market map
May 8, 2024
The embedded banking & payments market map
Oct 3, 2023 report
Fintech 100: The most promising fintech startups of 2023Expert Collections containing Two
Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.
Two is included in 4 Expert Collections, including Digital Lending.
Digital Lending
2,735 items
This collection contains companies that provide alternative means for obtaining a loan for personal or business use and companies that provide software to lenders for the application, underwriting, funding or loan collection process.
Payments
3,277 items
Companies in this collection provide technology that enables consumers and businesses to pay, collect, automate, and settle transfers of currency, both online and at the physical point-of-sale.
Fintech
14,203 items
Excludes US-based companies
Fintech 100
100 items
Two Patents
Two has filed 16 patents.
The 3 most popular patent topics include:
- babycare
- fluid dynamics
- infancy
Application Date | Grant Date | Title | Related Topics | Status |
|---|---|---|---|---|
9/28/2018 | 10/1/2024 | Pelvis, Interventional radiology, Medical equipment, Catheters, Implants (medicine) | Grant |
Application Date | 9/28/2018 |
|---|---|
Grant Date | 10/1/2024 |
Title | |
Related Topics | Pelvis, Interventional radiology, Medical equipment, Catheters, Implants (medicine) |
Status | Grant |
Latest Two News
Oct 28, 2025
Company Participants Margaret Field - Head of Investor Relations William Greenberg - President & CEO William Dellal - VP & Chief Financial Officer Nicholas Letica - VP & Chief Investment Officer Conference Call Participants Bose George - Keefe, Bruyette, & Woods, Inc., Research Division Douglas Harter - UBS Investment Bank, Research Division Richard Shane - JPMorgan Chase & Co, Research Division Trevor Cranston - Citizens JMP Securities, LLC, Research Division Merrill Ross - Compass Point Research & Trading, LLC, Research Division Eric Hagen - BTIG, LLC, Research Division Presentation Operator Good morning. My name is Taryn, and I will be your conference facilitator. At this time, I would like to welcome everyone to the TWO Third Quarter 2025 Earnings Call. [Operator Instructions] I would now like to turn the call over to Maggie Karr. Margaret Field Head of Investor Relations Good morning, everyone, and welcome to our call to discuss TWO's third quarter 2025 financial results. With me on the call this morning are Bill Greenberg, our President and Chief Executive Officer; Nick Letica, our Chief Investment Officer; and William Dellal, our Chief Financial Officer. The earnings press release and presentation associated with today's call have been filed with the SEC and are available on the SEC's website, as well as the Investor Relations page of our website at twoinv.com. In our earnings release and presentation, we have provided reconciliation of GAAP to non-GAAP financial measures, and we urge you to review this information in conjunction with today's call. As a reminder, our comments today will include forward-looking statements, which are subject to risks and uncertainties that may cause our results to differ materially from expectations. These are described on Page 2 of the presentation and in our Form 10-K and subsequent reports filed with the SEC. Except Read more current TWO analysis and news View all earnings call transcripts Recommended For You
Two Frequently Asked Questions (FAQ)
When was Two founded?
Two was founded in 2020.
Where is Two's headquarters?
Two's headquarters is located at Kongens gate 6, Oslo.
What is Two's latest funding round?
Two's latest funding round is Series B.
How much did Two raise?
Two raised a total of $46.16M.
Who are the investors of Two?
Investors of Two include Phoenix Court, Sequoia Capital, Shine Capital, Antler, Idekapital and 23 more.
Who are Two's competitors?
Competitors of Two include Kriya, Ledyer, Hokodo, Mondu, Balance and 7 more.
What products does Two offer?
Two's products include Guest Checkout and 4 more.
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Compare Two to Competitors
Mondu specializes in Buy Now, Pay Later (BNPL) solutions for B2B transactions within the financial services sector. The company offers a suite of payment solutions that allow businesses to provide their customers with various deferred payment options, including flexible payment terms, installment plans, and digital trade accounts. Mondu primarily serves the ecommerce industry, B2B marketplaces, and multichannel sales sectors. It was founded in 2021 and is based in Berlin, Germany.
Hokodo is a digital trade credit platform that provides B2B payment solutions. The company offers payment terms, trade accounts, and payment plans for B2B transactions. Hokodo's services include credit protection, collections management, and integration options for both online and offline sales channels. It was founded in 2018 and is based in London, United Kingdom.
Billie specializes in BNPL payment methods for the B2B sector and offers digital payment services. The company's main offerings include modern checkout solutions that enable businesses to pay and get paid on their terms, with features such as upfront payment for sellers and flexible payment terms for buyers. Billie's services cater to a variety of sectors, including e-commerce, telesales, and in-person sales channels. It was founded in 2016 and is based in Berlin, Germany.
Ratepay specializes in financial technology and provides white-label payment solutions for the e-commerce sector. Its offerings include buy now, pay later (BNPL) services, deferred payment options, installment plans, and direct debit processing. It was founded in 2009 and is based in Berlin, Germany.
Balance specializes in business-to-business (B2B) payments and financial technology, offering products for the business transaction lifecycle. The company's offerings include solutions for B2B payments, digital trade credit, accounts receivable management, and marketplace operating systems, aimed at supporting transactions for businesses. Balance primarily serves sectors such as distributors, platforms, and marketplaces within the B2B supply chain. It was founded in 2020 and is based in New York, New York.
PenTech provides digital financial solutions for businesses in the financial services sector. The company offers services including digital factoring, credit, and leasing, which provide businesses with financing options. These services cater to sectors requiring liquidity management and cash flow. It was founded in 2019 and is based in Budapest, Hungary.
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