Payment Method: Financing – Bees & Bears

Bees & Bears is one of Reonic's financing partners. With Bees & Bears connected, you build a financing variant, the customer signs it, and you send the signed offer to Bees & Bears. The partner runs the credit decision and reports the financing status onto the offer. Bees & Bears is available for Germany, Austria, France, and Belgium. For the general financing model and how a financing variant fits the offer flow, see Choose payment method: Financing.

Before you start

• An admin has connected Bees & Bears in Settings > Company settings > Integrations > Project Financing, using the company reference that Bees & Bears provides. See Set up Bees & Bears.
• Your user has the Financing Provider right enabled. Bees & Bears export requires both the company connection and this per-user right.
• If the Financing tab shows no Bees & Bears banner, contact your Reonic account manager.
• This is a residential flow. Bees & Bears financing applies to residential offers.

Create a Bees & Bears financing variant

1. Open the offer and select (or duplicate) the variant you want to finance.
2. Go to the Financing tab.
3. Under the Bees & Bears banner, click Create financing variant.
4. Fill in the form: Total amount incl. VAT, VAT amount, an optional Down payment, and the Runtime (term in years).

Bees & Bears calculates the rate and the resulting monthly instalment from those inputs. You enter the amounts and term; the rate comes back from the partner.

Note: Once a variant uses a financing provider, the variant locks for editing. Its components, prices, and planning become read-only. To change the build, duplicate the variant back to a non-financing variant, edit it, then create the financing variant again.

Send the signed offer to Bees & Bears

1. Have the customer sign the financing variant.
2. Open the signed offer and go to the Finalise view.
3. Click Send to Bees & Bears in the actions sidebar.
4. Confirm the success notification. A row appears in Settings > Company settings > Integrations.

Bees & Bears runs the credit decision and reports the status back onto the offer. The Bees & Bears status appears as a badge on the offer or request view, for example pending, signed, signed and approved, rejected, or cancelled.

Pro tip: You send the offer to Bees & Bears by clicking the button yourself. Once you do, status updates from the partner appear on the offer automatically.

Note: A variant that combines solar and a heat pump is sent as separate Bees & Bears projects. Split it into two variants, one photovoltaic and one heat pump, and send each on its own.

Next steps after the customer accepts

1. Once Bees & Bears reports the offer as signed and approved, a cancellation window applies before you proceed to install.
2. Continue the project on the offer as usual. The financing status stays visible on the request view.

Things to know

• Rates are calculated by Bees & Bears, not by you. You enter the financed amount, down payment, term, and grace period; Bees & Bears returns the rate and the instalment.
• Subsidies reduce the displayed monthly figure, not the contracted amount. The customer sees both the contractual price and the effective amount after subsidies.
• Keep the offer number reasonably short. Very long custom offer numbers can be truncated in the reference sent to Bees & Bears.
• Send one variant at a time. Send each financing variant on its own.
• Bees & Bears in one line: it lets you offer a monthly instalment plan inside your normal offer flow. The customer signs, you send the signed offer, and Bees & Bears runs the credit decision and reports back, with no separate lender portal.

Need help?

• Step-by-step questions about this flow → contact your Reonic account manager.
• Feature requests / something missing → send a note to your Reonic account manager.
• Bug reports → include a screenshot and the URL where it happened in your support email.

Last updated on August 4, 2026