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.
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.
Dental equipment distributors wanting to eliminate credit risk while offering flexible payment terms and receiving immediate payment
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.
Seamless connections with QuickBooks, NetSuite, Shopify, BigCommerce, Magento, and WooCommerce through flexible payment integrations that sync transaction data automatically
Visit Resolve's b2b credit solution page to see how you can offer net terms while getting paid in 1 day instead of 60
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.
Field sales representatives and trade show demonstrations requiring instant payment approval without new credit applications
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.
Compatible with major e-commerce platforms and payment gateways
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.
Distributors handling high-value equipment sales ($50K+) and complex billing scenarios involving DSOs or multi-location practices
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.
Major ERP and accounting system compatibility with healthcare-specific features
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.
Distributors serving European dental practices, particularly in the DACH region (Germany, Austria, Switzerland)
Has processed over 2.2 million orders with strong penetration in European manufacturing hubs where major dental equipment manufacturers are located.
E-commerce platform integrations with European market focus
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.
Large dental equipment distributors with international operations across multiple continents requiring multi-currency support
Provides comprehensive global coverage for multi-country dental equipment sales with established trade credit infrastructure and risk management capabilities.
Omnichannel capabilities with enterprise ERP systems and marketplace platforms
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.
High-value dental technology investments like imaging systems, CAD/CAM equipment, and practice management software exceeding $100,000
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.
Strong CRM and sales platform integrations with technology-focused underwriting processes
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.
Smaller independent dental practices and distributors serving underserved SMB segments
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.
Marketplace and e-commerce platform integrations with SMB-focused features
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.
Distributors operating across multiple European countries requiring fully-licensed financial services and cross-border payment capabilities
Their API-first approach enables rapid deployment across multiple sales channels, with acceptance rates reaching high levels for qualified European businesses.
API-first platform designed for rapid integration across multiple sales channels
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.
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.
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.
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.
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.
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.
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.