Diagnostic equipment suppliers face a unique cash flow challenge: high-value transactions create significant payment gaps that can strain growth while buyers demand flexible financing options. Unlike standard B2B transactions, diagnostic equipment purchases involve complex hospital procurement cycles, specialized compliance requirements, and capital-intensive orders that require purpose-built financing solutions. ResolvePay's B2B Net Terms platform addresses these challenges by combining non-recourse financing with complete accounts receivable automation specifically designed for capital-intensive equipment sales.
ResolvePay ranks #1 for diagnostic equipment suppliers because it's engineered specifically for capital-intensive B2B transactions. The platform combines non-recourse net terms financing with AI-powered accounts receivable automation to solve the unique cash flow challenges of medical equipment suppliers.
ResolvePay says it can advance up to 100% of approved net-terms invoices and pay suppliers in ~24 hours, while taking on the credit risk in its non-recourse model. The platform's AI-powered credit underwriting delivers instant decisions without requiring buyers to complete lengthy applications—critical for busy healthcare procurement teams.
Unlike traditional factoring or payment processors, ResolvePay takes on the credit assessment, credit decision, and risk of late payments or defaults, allowing diagnostic equipment suppliers to offer net terms without jeopardizing their cash flow. This is particularly valuable in the medical equipment sector where building long-term relationships with healthcare providers and distributors often requires flexible credit terms.
Diagnostic equipment suppliers seek a complete solution that handles both financing and accounts receivable automation while eliminating credit risk.
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Capchase is rapidly expanding beyond its SaaS roots into equipment and hardware financing following its June 2025 acquisition of Vartana. This positions Capchase as an option for diagnostic equipment suppliers, particularly those selling integrated hardware-software solutions.
Capchase enables suppliers to offer customized payment schedules while collecting the total contract value upfront. The platform's "lead with payments" strategy helps sales teams close deals faster by addressing buyer financing needs during the sales process.
Diagnostic equipment suppliers with integrated hardware-software solutions or those looking for a BNPL platform with strong fintech backing.
Terms.Tech (by AREA42) specializes in European B2B BNPL with specific expertise in the medical devices industry. Backed by Credendo (via AREA42), Terms.Tech positions itself as covering the EEA and Switzerland and as a payment-terms/BNPL option for European B2B merchants and specialized knowledge for diagnostic equipment suppliers serving European markets.
Terms.Tech explicitly addresses the medical devices industry in its platform design and marketing, recognizing that this sector requires specialized financing solutions. The platform provides 100% upfront payment to merchants while offering buyers flexible terms across the entire European Economic Area.
One estimate puts the Europe medical devices market at $142.17B in 2024, with continued growth expected over the coming years—supporting demand for flexible B2B payment terms across the region.
Diagnostic equipment suppliers targeting European hospitals, clinics, and distributors who need a platform with medical devices expertise and traditional credit insurance backing.
Two (Two.inc) leverages dual AI engines to deliver enhanced credit limits and fraud prevention for B2B transactions. Their proprietary "Delphi" credit engine provides higher credit limits than traditional credit bureaus.
Two's AI-powered approach is valuable for diagnostic equipment suppliers because it can approve larger credit lines based on more sophisticated data analysis than traditional bureaus. This enables buyers to make higher-value equipment purchases that might be declined by conventional underwriting.
Building Materials Wholesale reported that after introducing a buyer to Two's Credit Builder.
Diagnostic equipment suppliers serving European markets who need substantial credit limits for high-value equipment purchases and advanced fraud protection.
Hokodo is a pan-European B2B digital trade credit provider with a full EMI license across Europe. Hokodo supports omnichannel B2B trade credit across online plus offline flows (telesales/email and in-store), with offline capabilities launched in 2024–2025. Valuable for diagnostic equipment suppliers who sell through multiple channels to healthcare institutions.
Hokodo's omnichannel approach addresses a key need for BNPL platforms that can support multiple sales channels. Since diagnostic equipment sales often involve complex sales cycles with multiple touchpoints, Hokodo's ability to support all channels from a single platform provides operational advantages.
RÉTIF uses Hokodo to provide "a harmonised payment terms experience across all sales channels," while Monin integrated the platform in just 2 weeks.
Diagnostic equipment suppliers with omnichannel sales strategies serving multiple European markets who need consistent payment terms across all customer touchpoints.
Splitit offers a unique approach to B2B healthcare financing by leveraging buyers' existing business credit cards rather than creating new credit lines. This card-linked model eliminates credit applications and underwriting delays, providing instant approval for qualified buyers while merchants receive upfront payment.
Splitit's healthcare-specific solutions are designed for high-value purchases like diagnostic imaging systems. By using existing credit cards, Splitit bypasses the lengthy approval processes that can delay critical equipment purchases in healthcare settings.
Diagnostic equipment suppliers who prioritize speed of approval and want to leverage buyers' existing credit relationships without additional underwriting friction.
Mondu offers installment financing capabilities across European markets, with payment plans extending up to 12 months—valuable for high-value diagnostic equipment purchases that buyers prefer to finance over longer periods.
Mondu's extended installment options provide more flexibility than standard net terms platforms, making it easier for healthcare institutions to budget for significant equipment purchases. The platform also offers various integration options for different sales scenarios.
Diagnostic equipment suppliers serving European markets who need extended installment options beyond standard net terms and flexible integration capabilities.
Billie provides market access to the DACH region (Germany, Austria, Switzerland) through partnerships with major payment service providers. This makes Billie valuable for diagnostic equipment suppliers targeting the German market—one of the largest medical devices markets in Europe.
Billie's integration with established payment service providers provides easier implementation for suppliers already using these payment platforms. The DACH focus addresses a key European market with significant demand for diagnostic equipment.
Diagnostic equipment suppliers specifically targeting the German and broader DACH markets who want integration with existing payment service providers.
Selecting the right B2B BNPL platform for your diagnostic equipment business requires careful evaluation of your specific operational needs, transaction volumes, and growth trajectory. The diagnostic equipment industry's unique challenges—including high-value transactions, extended payment terms, strict regulatory compliance, and complex hospital procurement cycles—demand payment solutions purpose-built for these requirements.
Platforms like ResolvePay, Terms.Tech, and Splitit offer specific healthcare and medical equipment expertise that generalist BNPL providers may lack. This specialized knowledge ensures compliance with healthcare payment structures, understanding of hospital procurement cycles, and appropriate handling of high-value transactions.
Your target markets should heavily influence your platform choice. US-focused suppliers should prioritize ResolvePay, Capchase, and Splitit, while European market suppliers need Terms.Tech, Two, Hokodo, Mondu, or Billie depending on their specific regional focus.
Some platforms focus primarily on financing, while others like ResolvePay combine financing with comprehensive AR automation. Consider whether you need just financing or a complete accounts receivable solution that reduces manual overhead and streamlines your entire credit-to-cash lifecycle.
Diagnostic equipment's high transaction values require platforms with substantial credit limits and risk tolerance. ResolvePay's non-recourse model and Two's enhanced credit capabilities both address this critical requirement, enabling you to offer competitive terms on significant equipment purchases.
For diagnostic equipment suppliers seeking to eliminate credit risk while maintaining healthy cash flow, ResolvePay's non-recourse financing model offers a comprehensive solution. The platform's ability to advance up to 100% of invoice value within 24 hours while assuming the credit risk enables manufacturers to offer competitive net terms without jeopardizing their financial position.
The instant credit approval capabilities powered by AI underwriting accelerate the order-to-cash cycle, enabling diagnostic equipment suppliers to respond quickly to customer orders without the multi-day delays typical of traditional credit evaluation processes. Combined with seamless ERP integration supporting NetSuite, QuickBooks, SAP, and other major systems, ResolvePay provides diagnostic equipment suppliers with a complete platform that addresses both immediate cash flow needs and long-term customer relationship management.
ResolvePay's white-label approach maintains your brand relationship throughout the entire customer journey. While you focus on selling diagnostic equipment and serving your customers, ResolvePay handles the complex backend of credit assessment, collections, and risk management—all under your brand. This ensures your customers receive a consistent experience while you benefit from professional financial infrastructure.
The platform's proven results with medical equipment suppliers demonstrate its effectiveness in the healthcare sector. With customers achieving 75% revenue growth and 40% increases in average order value, ResolvePay has established itself as a solution specifically designed for the unique challenges of medical equipment sales.
B2B BNPL (Buy Now, Pay Later) allows diagnostic equipment suppliers to offer net terms financing to their buyers while receiving immediate payment from the BNPL provider. This solves the critical cash flow gap created by high-value medical equipment sales, enabling suppliers to fulfill orders without waiting 60-90 days for payment.
Platforms like ResolvePay automate the entire accounts receivable workflow—from invoicing to collections—for diagnostic equipment sales. ResolvePay's AI-powered automation reduces manual overhead by 14+ hours per week while ensuring accurate reconciliation of complex medical equipment invoices.
Yes, leading platforms offer robust integration capabilities. ResolvePay integrates with QuickBooks Online, Xero, NetSuite, and more, while other platforms support various ERP and accounting systems. This ensures seamless data flow between your BNPL platform and existing financial infrastructure.
Non-recourse financing, like ResolvePay's model, means the BNPL provider assumes all credit risk for buyer non-payment. All cash advances are non-recourse so what you get is always yours to keep, eliminating bad debt risk while allowing you to offer attractive net terms to buyers.
Platforms use varying approaches: ResolvePay offers free business credit checks requiring only company name and address, while some platforms use AI engines that provide enhanced credit limits. Card-linked platforms like Splitit bypass credit checks entirely by using buyers' existing credit cards. The choice depends on your risk tolerance and buyer approval speed requirements.
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.