If you’re looking to buy something, but don’t want to pay for it yet, Blispay thinks it has the solution for you. The startup works with small and mid-sized businesses to help retail customers defer payments for six months.

Baltimore-based Blispay has been gaining traction and raised an additional $12 million in funding after raising about the same amount last year. FirstMark Capital and New Enterprise Associates were among the participants in this round. Vince Talbert, co-founder of Bill Me Later and partner at Camden Partners is joining the board.

Blispay founder and CEO Greg Lisiewski told TechCrunch that he is looking to take on Max Levchin’s Affirm and also PayPal Credit, where he used to work. But instead of just focusing online, they want to bring this concept to physical stores.

There are already competitors like Synchrony Financial who work with larger businesses, but Lisiewski felt that medium-sized retailers were underserved. Blispay…