Best B2B BNPL Platforms for Dental Equipment & Supplies Distributors

Dental equipment distributors face unique cash flow challenges—offering net terms to help practices afford $5,000-$500,000+ investments while waiting 60-90 days for payment can strain working capital. But what if you could offer flexible payment terms and still get paid within one business day? The B2B payments platform that does it all has transformed how dental suppliers manage credit risk and accelerate cash flow. We analyzed 18+ B2B BNPL providers and selected the top 8 based on dental industry experience, credit line sizes suitable for equipment purchases, advance payment options, and healthcare compliance capabilities. These platforms enable distributors to increase sales while protecting their bottom line.

Key Takeaways

• B2B BNPL platforms enable dental equipment distributors to offer net 30/60/90 terms while receiving payment as fast as the next business day on approved transactions, reducing the traditional cash flow gap
• Non-recourse financing solutions transfer all credit risk to the payment platform, protecting distributors from defaults and late payments while enabling competitive payment terms
• AI-powered credit decisions provide instant approvals for purchases, with some platforms approving transactions up to $25,000 immediately without lengthy applications
• Advanced platforms process payments across multiple currencies and countries, essential for distributors serving international dental practices and DSOs
• Automated AR management reduces administrative burden by 50-80%, allowing operations teams to focus on growth rather than collections and reconciliation
• Equipment-specific financing with terms extending to 60 months makes high-value dental technology investments more accessible to practices
• Integration with major ERP systems (QuickBooks, NetSuite, SAP) and e-commerce platforms ensures seamless financial workflows without manual data entry

1. ResolvePay – Non-Recourse Financing with 100% Advance Payment

ResolvePay offers dental equipment distributors a unique advantage through non-recourse financing with up to 90–100% advance payment on approved invoices, often as fast as the next business day. This eliminates credit risk entirely while enabling distributors to offer competitive net 30/60/90 terms that help dental practices afford essential equipment investments.

Best For

Dental equipment distributors wanting to eliminate credit risk while offering flexible payment terms and receiving immediate payment

Key Features

• Non-recourse financing – transfers credit default risk on approved invoices (subject to program terms such as disputes/fraud), with advances that are generally non-recourse
• AI-powered credit decisions – instant approvals for purchases up to $25,000, with deeper insights than traditional bureaus from experts formerly of Amazon and PayPal
• Complete AR automation – automated payment reminders, collections management, and reconciliation through accounts receivable automation
• Branded payment portal – accepts ACH, credit card, wire, or check with fees passed to buyers
• 24-hour funding cycles – receive payment as fast as the next business day on approved invoices instead of waiting 60–90 days
• Enterprise ERP integration – seamless connections with QuickBooks, NetSuite, and SAP for automated financial workflows

Industry Impact

Distributors using ResolvePay report 30-40% average order value increases by enabling practices to make larger equipment purchases. The platform serves over 23,000 businesses across various industries, processing significant transaction volumes with consistent same-day credit decisions.

The non-recourse nature of ResolvePay's financing means dental equipment distributors can confidently offer competitive payment terms to grow their customer base without worrying about default risk. This is particularly valuable in the dental sector where building long-term relationships with practices and dental service organizations (DSOs) often requires flexible credit terms.

Integration

Seamless connections with QuickBooks, NetSuite, Shopify, BigCommerce, Magento, and WooCommerce through flexible payment integrations that sync transaction data automatically

Getting Started

Visit Resolve's b2b credit solution page to see how you can offer net terms while getting paid in 1 day instead of 60

2. Splitit

Splitit uses existing business credit cards to provide instant installment payment options without credit applications or approvals. This approach is particularly useful for point-of-sale demonstrations at dental trade shows where immediate purchasing decisions are common.

Best For

Field sales representatives and trade show demonstrations requiring instant payment approval without new credit applications

Key Features

• No credit checks required – uses existing business credit cards for instant approvals
• 2-24 month installment plans – flexible terms for dental equipment purchases
• Full payment upfront – merchants receive the complete purchase amount immediately
• Healthcare regulatory compliance – leverages existing credit card infrastructure for compliance
• Point-of-sale integration – enables real-time purchasing decisions during equipment demonstrations

Industry Impact

Enables real-time purchasing decisions during equipment demonstrations, with payment processing within a few days to vendors. The platform's card-based approach removes traditional credit application friction that can slow sales cycles.

Integration

Compatible with major e-commerce platforms and payment gateways

3. Billtrust

Billtrust specializes in high-value medical equipment payments with an average transaction size around $230,000. Their platform handles complex billing scenarios common in dental and medical practice consolidations and multi-entity structures.

Best For

Distributors handling high-value equipment sales ($50K+) and complex billing scenarios involving DSOs or multi-location practices

Key Features

• AI-powered cash application – approximately 86% average match rate for automated payment reconciliation
• Digital Lockbox – automated virtual card processing with interchange fee reduction up to 30%
• HIPAA-compliant features – specifically designed for medical and dental suppliers
• Complex multi-entity payment handling – ideal for dental service organization (DSO) consolidations
• Level 2/3 card data capture – reduces processing fees on business credit card transactions

Industry Impact

Customers report 50-80% productivity increases for operations teams, allowing staff to shift from manual data entry to higher-value activities like customer relationship management and sales support.

Integration

Major ERP and accounting system compatibility with healthcare-specific features

4. Billie

Billie operates across the European B2B BNPL market with services in Germany, Austria, Sweden, Netherlands, France, UK, and Switzerland. They offer extended payment terms and high credit limits suitable for major dental equipment investments.

Best For

Distributors serving European dental practices, particularly in the DACH region (Germany, Austria, Switzerland)

Key Features

• 14-120 day payment terms – extended terms available in the B2B BNPL space
• credit limits approximately $108,000 per buyer – suitable for major equipment purchases
• Extensive European buyer base – over 1 million business buyers and over 7,000 merchants
• Alibaba.com partnership – integrated with major B2B marketplaces
• Multi-country operations – coverage across 7 European markets

Industry Impact

Has processed over 2.2 million orders with strong penetration in European manufacturing hubs where major dental equipment manufacturers are located.

Integration

E-commerce platform integrations with European market focus

5. TreviPay

TreviPay leverages 45+ years of trade credit experience to serve global enterprises with operations in 32 countries and support for 18-20 currencies. their acquisition of Apruve (announced in December 2022) enhanced their marketplace capabilities for complex B2B transactions.

Best For

Large dental equipment distributors with international operations across multiple continents requiring multi-currency support

Key Features

• Global coverage – operations in 32 countries with multi-currency support
• True omnichannel support – handles online, in-store, and phone orders seamlessly
• Enterprise-scale processing – approximately $8 billion in annual B2B trade processed
• Established client base – includes major enterprises across various industries
• Decades of trade credit experience – 45+ years managing B2B credit relationships

Industry Impact

Provides comprehensive global coverage for multi-country dental equipment sales with established trade credit infrastructure and risk management capabilities.

Integration

Omnichannel capabilities with enterprise ERP systems and marketplace platforms

6. Vartana

Vartana specializes in long-term financing for technology investments with terms commonly ranging from 12–60+ months (program-dependent)—far beyond typical net 30/60/90 arrangements. The platform achieved significant growth through its focus on technology-oriented equipment financing.

Best For

High-value dental technology investments like imaging systems, CAD/CAM equipment, and practice management software exceeding $100,000

Key Features

• 12-60 month financing terms – extended repayment periods available, ideal for major capital investments
• High automatic approval rates – streamlined underwriting for technology-focused financing
• Deep CRM integration – seamless connections with Salesforce and HubSpot for sales workflow integration
• Technology company focus – specialized underwriting for equipment with technological components
• Equipment-specific terms – financing structures designed for depreciating technology assets

Industry Impact

The extended financing terms make major dental technology investments more accessible to practices, potentially increasing equipment sales conversion rates for high-value items that might otherwise strain practice budgets.

Integration

Strong CRM and sales platform integrations with technology-focused underwriting processes

7. Balance

Balance uses AI-powered risk assessment to serve small and medium-sized businesses that might not qualify with traditional underwriting. Their partnership with Alibaba.com (announced in June 2025) demonstrates their marketplace capabilities and commitment to expanding B2B payment access.

Best For

Smaller independent dental practices and distributors serving underserved SMB segments

Key Features

• AI-powered underwriting – increases approval rates for businesses often overlooked by traditional lenders
• Real-time credit decisions – immediate approval process for faster sales cycles
• White-labeled checkout integration – maintains brand consistency for distributors
• Marketplace integration – demonstrated with Alibaba.com partnership and Instacart Business
• SMB accessibility focus – designed to serve smaller businesses with limited credit histories

Industry Impact

Expands access to financing for smaller dental practices that may not have extensive credit histories but represent significant growth opportunities for distributors seeking to expand their customer base beyond established practices.

Integration

Marketplace and e-commerce platform integrations with SMB-focused features

8. Hokodo

Hokodo holds an EMI (Electronic Money Institution) license enabling broad UK/EU coverage, with insurance-backed protection structures available for eligible transactions and high acceptance rates for qualified buyers.

Best For

Distributors operating across multiple European countries requiring fully-licensed financial services and cross-border payment capabilities

Key Features

• Full EMI licensing – complete UK and EU financial services licensing
• 7-120 day payment terms – flexible terms with installment options
• AIG-backed insurance – enhanced protection guarantees for cross-border transactions
• True omnichannel support – seamless integration of online, in-store, and telesales channels
• API-first approach – enables rapid deployment across multiple sales channels

Industry Impact

Their API-first approach enables rapid deployment across multiple sales channels, with acceptance rates reaching high levels for qualified European businesses.

Integration

API-first platform designed for rapid integration across multiple sales channels

Choosing the Right Platform for Your Dental Distribution Business

The right B2B BNPL platform depends on your specific business needs, geographic focus, and customer demographics. According to the American Dental Association, dental practices are increasingly investing in advanced technology and equipment, making flexible financing options more critical than ever for distributors.

For US-based distributors wanting complete credit risk elimination, ResolvePay's non-recourse financing offers a risk-free solution with 100% advance payment that transforms cash flow management. The platform's AI-powered credit decisions and complete AR automation enable distributors to scale their business without scaling their credit risk or administrative burden.

For European market expansion, platforms like Billie (DACH focus) or Hokodo (pan-European) provide licensed coverage tailored to regional regulatory requirements. High-value equipment financing needs are well-served by platforms offering extended terms, while global enterprises benefit from multi-country coverage and currency support.

Why ResolvePay Is the Leading Choice for Dental Equipment Distributors

Embedded payments are the future of B2B commerce, and dental equipment distributors who adopt ResolvePay can expect to see increased sales, improved cash flow, and reduced administrative burden while completely eliminating credit risk.

Unlike traditional financing options or recourse factoring, ResolvePay's truly non-recourse model means the credit risk transfers entirely to the platform. Distributors receive up to 100% of their invoice value within one business day—cash that is always theirs to keep, regardless of whether the end customer pays late or defaults. This fundamental difference transforms how dental distributors can approach their business growth.

The platform's AI-powered credit engine, built by former Amazon and PayPal experts, provides instant approval for transactions up to $25,000 and rapid decisions for larger purchases. This eliminates the multi-day credit approval processes that traditionally slow sales cycles, enabling distributors to close deals faster while their sales teams are still on-site with dental practices.

With seamless integration into QuickBooks, NetSuite, SAP, and major e-commerce platforms, ResolvePay becomes an invisible but powerful component of your existing workflows. The automated AR management handles payment reminders, collections, and reconciliation, reducing administrative overhead by 50-80% based on industry benchmarks and allowing your team to focus on revenue-generating activities rather than chasing payments.

For dental equipment distributors ready to eliminate credit risk while offering the competitive net terms that win deals, ResolvePay provides the comprehensive solution that aligns payment timing with business needs rather than forcing compromise between cash flow and sales growth.

Frequently Asked Questions

What is B2B BNPL and how does it benefit dental equipment distributors?

B2B Buy Now, Pay Later (BNPL) allows distributors to offer net payment terms to their customers while receiving immediate or near-immediate payment from the BNPL provider. This eliminates the cash flow gap that typically occurs when offering net 30/60/90 terms. For dental equipment distributors, this means they can enable practices to afford major equipment investments while maintaining healthy working capital. According to Healthcare Finance News, flexible payment terms have become increasingly important as dental practices manage capital expenditure budgets.

How can a B2B BNPL platform help increase sales for dental supply businesses?

B2B BNPL platforms increase sales by expanding buyer purchasing power and enabling larger orders. Distributors using these platforms can see significant average order value increases because practices can afford equipment they might otherwise delay purchasing. The platforms also improve conversion rates by providing instant financing approval without lengthy application processes, reducing the friction that traditionally exists in high-value equipment sales.

What are the typical fees associated with B2B net terms and invoice financing?

Fees vary by platform and risk profile, typically ranging from around 2.9% to 4.5% of the transaction amount. ResolvePay offers competitive, non-recourse pricing that eliminates credit risk for distributors. Most platforms structure fees to be significantly lower than the cost of carrying accounts receivable for 60-90 days or the opportunity cost of lost sales from not offering financing.

How does an AI-powered AR platform streamline payment processes for distributors?

AI-powered accounts receivable platforms streamline payment processes through automated credit decisions, payment reminders, collections management, and reconciliation. Advanced platforms achieve high automated match rates for cash application, reducing manual data entry significantly and allowing staff to focus on higher-value activities like customer relationship management and sales support.

Is 'non-recourse financing' truly risk-free for a dental supply company?

Yes, non-recourse financing like ResolvePay's solution is truly risk-free for distributors. All cash advances are non-recourse so what you get is always yours to keep. The BNPL provider assumes all credit risk, including late payments and defaults, while the distributor receives their payment upfront. This contrasts with recourse financing where distributors remain liable for unpaid invoices.

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.