Two of fourteen models named Billie first on the direct prompt; zero named Slope. Billie was named by thirteen of the fourteen models and Slope by nine and Billie carries 24 labels and Slope 17, so the shares are not directly comparable.
Named in one category this edition.
Named in two categories this edition.
Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all fourteen models, for a mid-market B2B company; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the B2B BNPL and net terms page.
Across every category in the October 2026 Edition, Billie and Slope were named in the same answer twenty-one times, of the 71 answers naming Billie and the 48 naming Slope. In those answers Slope took the first choice one time and Billie zero.
| Model | Direct | Paraphrase | Comparative | Budget-constrained | Scale-constrained | Negative |
|---|---|---|---|---|---|---|
| Claude Haiku 4.5 | ||||||
| GPT-5.4 mini | ||||||
| Gemini 3.5 Flash | ||||||
| Perplexity Sonar | ||||||
| Grok 4.1 Fast | ||||||
| Mistral Small | ||||||
| DeepSeek V4 Flash | ||||||
| Llama 4 Maverick | ||||||
| Qwen 3.7 Flash | ||||||
| Kimi K2 | ||||||
| GLM 4.7 FlashX | ||||||
| MiniMax M2.5 | ||||||
| GPT-6 Luna | ||||||
| Muse Glimmer 30B |
Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Five of six in this category shown.
“Some users report that additional business verification is normal but adds friction... Some customers report slow or inflexible support handling.” Muse Glimmer 30B · negative prompt · soft negative
“be wary if you have complex billing structures, frequent entity changes, or need fast, flexible dispute resolution” DeepSeek V4 Flash · negative prompt · soft negative
“I'd recommend starting with Billie if you operate in Europe or Credit Key if you're US-focused.” GLM 4.7 FlashX · direct prompt · first choice
“Mondu and Billie are the top choices due to their B2B specialization and flexibility” Mistral Small · direct prompt · first choice
“Only work with 100% non-recourse providers (such as Resolve, Billie, or Two).” Gemini 3.5 Flash · negative prompt · first choice
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of five in this category shown.
“Small support teams on complex integrations (Slope)” DeepSeek V4 Flash · negative prompt · soft negative
“Slope (Most Affordable) ... Start with the provider offering the lowest base rate (Slope)” GLM 4.7 FlashX · budget prompt · first choice
“Slope edges as potentially the most affordable with the lowest starting fees (0.99%)” Grok 4.1 Fast · budget prompt · first choice
“Slope emphasizes embedded B2B payments and capital infrastructure for platforms and enterprise technology teams.” Muse Glimmer 30B · comparative prompt · alternative
Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.