For building materials manufacturers, the B2B sales cycle is fraught with unique challenges: massive order values, seasonal demand spikes, 60-90 day project timelines, and the constant strain of waiting for customer payments. In B2B commerce, late payments are a chronic challenge, with many invoices in capital-intensive sectors like building materials going past due, choking cash flow and limiting growth. The solution lies in specialized B2B "Buy Now, Pay Later" (BNPL) platforms that offer net payment terms to your buyers while ensuring you get paid immediately and without risk. Our top choice is Resolve Pay, whose 100% non-recourse model eliminates all credit risk for the merchant—a critical feature in this high-stakes sector.
Resolve Pay is purpose-built for B2B manufacturers, particularly in the building materials space, where risk and order size are substantial. The company's core promise is simple: you get paid upfront for your approved invoices, and Resolve assumes the credit and default risk on approved invoices. This non-recourse model is a game-changer, freeing manufacturers from the burden of collections and bad debt.
Resolve directly tackles key sector pain points by offering Net 60–90 terms that help manufacturers grow—users report an average 40% increase in order size as buyers gain flexibility to purchase more. Archipelago Lighting said its finance team’s workload dropped by at least 90% after Resolve took over credit, invoicing, and collections. The platform’s branded portal accepts ACH, wire, or credit card payments, reducing buyer friction while ensuring manufacturers get paid their preferred way, protecting cash flow and profitability.
TreviPay, with its roots going back over 40 years, is a powerhouse for large, global building materials manufacturers. The company processes over $6 billion in annual trade volume and operates in more than 27 countries, making it an ideal partner for firms with complex, international supply chains.
TreviPay's established track record provides a level of security and reliability for enterprise clients who prioritize stability. Their global footprint and ability to handle multi-currency transactions make them a strong choice for multinational manufacturers.
Credit Key is a strong choice for building materials manufacturers with a significant online sales channel. It's designed to integrate directly into B2B e-commerce storefronts, offering a seamless checkout experience that has been shown to significantly boost conversions and order frequency.
For manufacturers looking to grow their digital direct-to-buyer channel, Credit Key's ability to remove a major friction point at checkout is invaluable. Their non-recourse model also ensures the merchant receives full payment within 48 hours, eliminating credit risk.
Balance has carved out a unique niche by focusing on B2B platforms, marketplaces, and the distributors that sell through them. If your building materials business operates on or through a digital marketplace, Balance's infrastructure is a natural fit.
Balance excels in the growing B2B marketplace ecosystem. Their technology ensures that distributors on a platform can offer competitive net terms to their customers without having their own cash flow tied up or taking on credit risk.
Ratio Boost caters to a slightly different niche, with a strong focus on SaaS and technology companies. However, its flexible model can be highly beneficial for building materials manufacturers who are purchasing expensive software or tech services, or for tech providers selling to the manufacturing sector.
While not a general-purpose platform for raw materials, Ratio Boost is an excellent tool for managing large, recurring B2B software expenses or for tech vendors in the construction ecosystem looking to make their products more accessible.
Bill.com is the dominant platform for small and medium-sized businesses, offering a combined accounts payable (AP) and accounts receivable (AR) automation solution. It's an excellent entry point for smaller building materials firms looking to modernize their financial operations.
Bill.com's strength is its accessibility and seamless integration with the accounting workflows of SMBs. It provides a solid foundation for financial automation before a company might graduate to more specialized, manufacturing-focused platforms.
VersaPay is a leading collaborative accounts receivable automation platform for the mid-market. It's known for its powerful features that speed up collections and reduce costs, handling over $257 billion in payments annually for its 10,000+ customers.
A customer case study with TireHub, a large distributor, showed that VersaPay helped them save over 200 hours of staff time each week and reduced their outstanding receivables by 50%, demonstrating its power to streamline operations.
HighRadius is a top-tier, AI-powered platform built for large enterprises with complex, high-volume accounts receivable operations. It's the choice for massive corporations that need to automate a significant portion of their global AR processes.
HighRadius is for organizations that have outgrown simpler tools and need a robust, intelligent system to manage a global AR team and massive transaction volumes. Its AI capabilities provide deep insights that manual processes simply cannot match.
Selecting the right B2B BNPL platform is a strategic decision that can significantly impact your sales, cash flow, and operational efficiency.
Risk is Paramount: In an industry with high-value orders, the non-recourse model offered by platforms like Resolve Pay is often the single most important feature. Transferring 100% of the credit risk allows your sales team to offer terms confidently without putting your company's finances at stake.
Integration is Non-Negotiable: Your BNPL platform must integrate seamlessly with your existing tech stack. Look for native integrations with your ERP, accounting software, and e-commerce platform to avoid manual data entry and ensure accurate, automated reconciliation.
Match the Platform to Your Scale: An SMB will be best served by a solution like Bill.com, while a mid-market manufacturer might find the sweet spot with Resolve Pay or VersaPay. Large, global enterprises will likely require the scale of TreviPay or the automation depth of HighRadius.
By carefully evaluating these factors against your specific business model, you can select a B2B BNPL partner that not only solves your cash flow problems but actively fuels your growth.
Among all the B2B BNPL platforms available, Resolve Pay delivers the most comprehensive solution specifically designed for building materials manufacturers. The platform's 100% non-recourse model eliminates the single biggest concern for manufacturers offering net terms: the risk of customer default. When you're shipping high-value orders of materials for construction projects that span months, knowing you'll be paid regardless of your customer's payment behavior provides unmatched peace of mind.
What truly sets Resolve apart is the combination of immediate payment, complete risk transfer, and end-to-end automation. Manufacturers receive up to 90% of their invoice value within 24 hours while Resolve's AI-powered platform handles credit decisions, invoicing, payment collection, and reconciliation across your existing systems. The platform's seamless integrations with QuickBooks, NetSuite, Oracle, Shopify, and Magento mean your finance team can maintain their existing workflows while dramatically reducing manual effort.
For building materials manufacturers ready to offer competitive net terms without the traditional risks and administrative burden, Resolve Pay provides a proven solution that protects profitability while enabling sustainable growth.
B2B BNPL (Buy Now, Pay Later) is a financing model where a third-party platform allows your business customers to pay for their orders over time (e.g., Net 30, 60, or 90 days) while you, the manufacturer, get paid almost immediately. For building materials manufacturers, this removes a major sales barrier, as buyers can make large purchases without having the full capital on hand. With a non-recourse provider, you are protected from the risk of late or non-payment, transferring all credit risk to the platform.
Resolve's platform uses AI to automate the entire credit-to-cash workflow. It can instantly underwrite new buyers, generate invoices, send automated payment reminders, process payments from a branded portal that accepts ACH, wire, or credit card, and automatically reconcile all transactions in your accounting software like QuickBooks. This end-to-end automation can reduce the AR team's workload by up to 90%, freeing your finance team to focus on strategic initiatives rather than chasing payments.
Yes, integration is a standard and critical feature of modern B2B BNPL platforms. Resolve, for example, offers built-in integrations with leading platforms like QuickBooks, NetSuite, Oracle, Shopify, and Magento. This ensures that your financial data flows seamlessly between systems, eliminating manual entry and errors while maintaining accurate, real-time visibility into your accounts receivable.
Most platforms allow you to offer flexible terms, typically ranging from Net 30 to Net 90 days. Some platforms even offer extended terms of up to 12 months for larger purchases. The exact terms a specific buyer qualifies for are usually determined by the platform's underwriting process, which assesses their creditworthiness in real-time using AI and thousands of data points.
Non-recourse BNPL platforms like Resolve Pay assume 100% of the credit, late payment, and default risk when they approve a transaction. This means if your customer fails to pay, the platform absorbs the loss—not you. You've already been paid upfront (typically up to 90% of the invoice value within 24 hours), so your cash flow and balance sheet are completely protected from customer payment failures. This model transforms net terms from a risky proposition into a competitive advantage you can offer confidently.
This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.