Best B2B BNPL Platforms for Electrical Supplies Distributors

Electrical supplies distributors face a unique cash flow challenge: 85% of B2B buyers expect net terms, yet 40-55% of invoices become overdue. This cash flow paradox is especially acute in the electrical distribution industry, where contractor customers often require flexible payment options while distributors manage high inventory costs and seasonal demand fluctuations. With the B2B BNPL market projected to reach $669.5 billion by 2029, the right platform isn't just convenient—it's critical for survival and growth in 2025. We've analyzed the top platforms that specifically address the needs of electrical distributors, evaluating them on industry relevance, advance payment rates, integration capabilities, and documented results. Our top recommendation is Resolve Pay for its non-recourse financing model and proven success in adjacent distribution industries like HVAC and construction.

Key Takeaways

• Non-recourse financing eliminates credit risk entirely, meaning distributors keep 100% of what they receive even if customers default—critical protection for contractor-heavy customer bases.
• Leading B2B BNPL platforms provide 90% advance payment within 24 hours, dramatically accelerating cash flow compared to traditional net 30/60/90 terms.
• AI-powered credit decisions enable instant approvals for many purchases, with limits varying by platform and buyer profile, removing bottlenecks from the sales process while maintaining risk management.
• White-label payment portals allow distributors to maintain brand relationships with customers while offering flexible payment terms.
• Industry-specific platforms demonstrate 30-40% increases in average order value and 15-20 day reductions in DSO for distribution businesses.
• Integration with QuickBooks, Shopify, Magento, and major e-commerce platforms ensures seamless implementation without workflow disruption.
• Extended payment terms from 30 days to 60+ months accommodate different purchase types, from consumables to high-value equipment installations.

1. Resolve Pay - Non-Recourse Financing Built for Distributors

Resolve Pay stands out as the leading B2B BNPL platform for electrical supplies distributors, offering a comprehensive solution that addresses the industry's unique challenges with contractor customers and project-based sales.

What Makes Resolve Pay Different for Electrical Distributors

Resolve Pay's platform combines embedded credit expertise, embedded invoice financing, and embedded payments into a single solution. Unlike traditional factoring, Resolve offers non-recourse financing. This is particularly valuable for electrical distributors serving contractors whose payment reliability can vary with project completion and general contractor payment cycles.

The platform's comprehensive approach addresses the full payment lifecycle, from initial credit assessment through final collection. This eliminates the need for multiple vendors and creates a seamless experience for both distributors and their customers. The white-label approach ensures your brand remains front and center in all customer interactions, maintaining the relationships you've worked hard to build.

Key Benefits for Electrical Distributors

• 90% advance payment within 24 hours on approved invoices
• Non-recourse protection eliminates credit risk entirely
• AI-powered credit decisions with instant approvals up to $25,000
• White-label payment portals maintain your brand relationship with customers
• Seamless integration with QuickBooks, Shopify, Magento, and other platforms
• Flexible payment terms supporting Net 30, 60, and 90-day terms with installment options
• Automated collections and payment reminders that maintain professional customer relationships

Industry-Specific Success

Resolve has demonstrated proven success with businesses in adjacent industries to electrical distribution, including HVAC, construction, and industrial equipment suppliers. These industries share similar challenges: project-based sales cycles, contractor customers, high inventory costs, and the need to offer competitive payment terms while managing cash flow. Distributors using Resolve achieve 30-40% increases in average order value while reducing days sales outstanding (DSO) by 15-20 days on average.

The platform's understanding of distribution-specific workflows—such as managing multiple delivery locations, handling change orders, and accommodating job-site delivery requirements—makes it particularly well-suited for electrical supplies businesses. This industry knowledge translates into features and support that align with how electrical distributors actually operate.

Platform Features

• Accounts Receivable Automation with AI-powered workflow management that handles routine tasks while flagging exceptions for human review
• Business Credit Checks requiring only company name and address, delivering comprehensive assessments without customer friction
• Net Terms Management with automated collections and reminders that maintain professional relationships while ensuring timely payment
• Customer self-service portal where contractors can view invoices, make payments, and manage their account independently

Implementation and Support

Resolve Pay provides dedicated implementation support to ensure smooth onboarding. The platform's integration with existing systems means you can maintain your current workflows while adding powerful payment capabilities. The team works with distributors to configure credit policies, approval workflows, and customer communications that align with your specific business requirements.

2. Capchase

Capchase (which acquired Vartana in June 2025) offers extended financing capabilities for B2B transactions. While initially focused on SaaS and technology companies, its expanded capabilities through the Vartana acquisition make it increasingly relevant for tech-forward electrical distributors.

What Capchase Offers

Capchase provides extended financing terms from 30 days up to 60 months through its Vartana capabilities, making it well-suited for electrical distributors selling high-value equipment or systems that require longer payment cycles. The platform's focus on technology integration and modern sales workflows aligns with digitally-enabled distribution operations.

Key Benefits

• 85% automatic approval rate through advanced underwriting technology
• Deep CRM integration with Salesforce and HubSpot for sales workflow alignment
• Extended financing terms (up to 60 months) for large equipment purchases
• High third-party user satisfaction in the B2B BNPL category

Industry Applications

Capchase's flexible financing options and high approval rates serve electrical distributors modernizing their operations with digital-first solutions or selling sophisticated electrical systems requiring extended payment terms. The platform's strength in handling complex, high-value transactions makes it valuable for distributors with enterprise customers or large project-based sales.

Platform Features

• Enterprise-grade security and compliance
• Automated underwriting with real-time decisions
• Flexible financing structures for different customer segments
• Comprehensive analytics and reporting dashboard

3. TreviPay

TreviPay brings 45+ years of experience in B2B payments to electrical distributors with international operations or complex enterprise requirements. Having acquired Apruve in December 2022, TreviPay now offers enhanced marketplace capabilities alongside its traditional payment solutions.

What TreviPay Offers

TreviPay's extensive global presence—with operations in 32 countries and support for 20+ currencies—serves electrical distributors managing international supply chains or serving multinational customers. The platform's enterprise heritage provides the robust compliance and security infrastructure required by large organizations.

Key Benefits

• Global compliance expertise across 32 countries
• Enterprise validation with documented success across Fortune 500 enterprises
• Omnichannel support for online, in-store, and phone orders
• Flexible net terms (30-90 days) with instant credit decisions

Industry Applications

TreviPay's enterprise-grade solutions serve large electrical distributors managing complex international operations or serving enterprise customers with stringent compliance requirements. The platform's multi-currency processing and global tax compliance capabilities make it valuable for distributors with cross-border supply chains.

Platform Features

• Multi-currency payment processing
• Advanced fraud prevention and risk management
• Customizable payment terms by customer segment
• Comprehensive global tax compliance

4. Billtrust

Billtrust processes $1 trillion in invoice dollars annually for its global customer base, making it a powerhouse solution for large electrical distributors managing high-volume payment operations.

What Billtrust Offers

Billtrust's comprehensive accounts receivable automation platform provides end-to-end AR management, which is particularly valuable for electrical distributors with complex billing requirements and high transaction volumes. The platform goes beyond simple BNPL to encompass the entire order-to-cash cycle.

Key Benefits

• Proven success with building material distributors (adjacent industry with similar business models)
• Enterprise-scale processing handling $1 trillion annually
• Comprehensive AR automation beyond just BNPL financing
• Wholesale distribution expertise with tailored workflows

Industry Applications

Billtrust's documented success with major building material distributors demonstrates its capability to handle the complex distribution models similar to electrical supplies, including volume discounts, multiple delivery locations, and contractor payment patterns. The platform's strength in high-volume environments makes it valuable for large distributors with extensive transaction processing needs.

Platform Features

• Advanced invoice presentment and delivery
• Automated payment processing and reconciliation
• Customer self-service portal
• Comprehensive reporting and analytics

5. Balance Payments

Balance Payments offers a zero DSO guarantee that eliminates bad debt risk entirely, making it valuable for electrical distributors serving small contractor customers with variable payment histories.

What Balance Payments Offers

Balance Payments focuses specifically on the SMB segment, using AI-powered risk assessment to approve customers through sophisticated underwriting. The platform's zero DSO guarantee provides complete protection from customer defaults.

Key Benefits

• Zero DSO guarantee eliminates bad debt risk completely
• Improved conversion rates and strong repeat purchase performance
• AI-powered risk assessment for SMB contractors
• Strategic partnerships with Alibaba.com and Instacart Business

Industry Applications

Balance Payments serves electrical distributors whose customer base includes smaller electrical contractors, sole proprietors, and small commercial businesses. The platform's focus on this segment makes it valuable for distributors building relationships with emerging contractors and small businesses that may not have extensive credit histories but represent valuable recurring business.

Platform Features

• White-labeled checkout integration
• API-first architecture for custom implementations
• Real-time credit decisions
• Automated collections and payment reminders

6. Billie

Billie serves the European B2B BNPL market with 750,000+ business buyers and 5,500+ merchants, offering payment terms of up to 120 days.

What Billie Offers

Billie's European market presence and extended payment terms serve electrical distributors with European operations, suppliers, or customers requiring longer payment cycles for large equipment purchases. The platform's extensive buyer network provides access to pre-qualified European business customers.

Key Benefits

• Extended 120-day payment terms for larger purchases
• Credit limits exceeding $100,000 USD per buyer
• Large buyer network of 750,000+ businesses
• European market coverage across 7 countries

Industry Applications

Billie serves electrical distributors with European operations or those importing equipment from European manufacturers, providing access to extended terms and a large network of pre-approved European business buyers. The platform's strength in European markets makes it valuable for cross-border distribution businesses.

Platform Features

• Multi-currency support
• Cross-border payment processing
• Advanced fraud detection
• Automated compliance with European regulations

7. Two.inc

Two.inc leverages advanced AI technology for credit and fraud assessment, providing rapid approval times and competitive acceptance rates for electrical distributors with high transaction volumes.

What Two.inc Offers

Two.inc's AI-powered credit and fraud engines handle the complexities of global B2B transactions, making it valuable for electrical distributors with international supply chains or customers. The platform's partnership with Santander and Allianz Trade provides enhanced credit backing.

Key Benefits

• Advanced AI technology for rapid credit decisions
• Global capabilities supporting cross-border transactions
• Sophisticated fraud detection for high-value electrical equipment
• Partnership with Santander and Allianz Trade for enhanced credit backing

Industry Applications

Two.inc serves electrical distributors facing payment fraud risks or managing complex international transactions that require sophisticated risk assessment. The platform's AI-driven approach enables rapid decisions without sacrificing accuracy.

Platform Features

• Real-time credit scoring
• Advanced fraud detection algorithms
• Multi-language support
• Comprehensive API documentation

8. Versapay

Versapay is purpose-built for wholesale distributors, offering mobile capabilities essential for electrical distributors with field sales teams serving contractor customers.

What Versapay Offers

Versapay's wholesale distribution specialization and mobile-first design align with the operational realities of electrical supply businesses, where field sales teams often process orders on-site with contractors. The platform's understanding of distribution workflows makes it well-suited for this industry.

Key Benefits

• Purpose-built for wholesale distribution industry
• Mobile-first design for field sales teams
• Complex pricing support for volume discounts and tiered pricing
• Multi-location account management for contractor businesses

Industry Applications

Versapay's mobile capabilities and wholesale focus serve electrical distributors whose sales teams work directly with contractors on job sites, requiring the ability to process orders and offer payment terms in the field. The platform's strength in mobile workflows makes it valuable for distributors with significant field sales operations.

Platform Features

• Mobile order processing
• Complex pricing engine
• Customer self-service portal
• Automated collections workflows

9. Credit Key

Credit Key serves diverse customer segments in the B2B BNPL space, including government entities, nonprofits, and sole proprietors—making it valuable for electrical distributors serving varied customer bases.

What Credit Key Offers

Credit Key's inclusive approach to customer approval, combined with its patent-protected technology, allows electrical distributors to serve customers through sophisticated underwriting. The platform's 90% risk assumption protects merchants from customer defaults.

Key Benefits

• Serves government and institutional buyers
• Accepts sole proprietors and small contractors
• Flexible net terms from 30 days to 12 months
• 90% risk assumption protects merchants from customer defaults

Industry Applications

Credit Key serves electrical distributors working with government contracts, institutional buyers (schools, hospitals), or small contractors operating as sole proprietors. The platform's flexibility in customer approval makes it valuable for distributors serving diverse market segments.

Platform Features

• Omnichannel approval (online, phone, in-person)
• Flexible term lengths
• Automated underwriting
• Comprehensive risk management

10. Ratio Boost

Ratio Boost offers flexible financing cost allocation options (seller pays, buyer pays, or split), making it valuable for technology-enabled electrical distributors who want to choose their competitive strategy.

What Ratio Boost Offers

Ratio Boost's flexible cost allocation model allows electrical distributors to decide whether to absorb financing costs (to remain competitive) or pass them through to customers (to maintain margins). The platform's $400 million credit reserve backs transactions.

Key Benefits

• Flexible financing cost allocation (seller/buyer/split)
• $400 million credit reserve backing transactions
• Deep CRM/CPQ integration for sales workflow alignment
• 0% vendor financing option for strategic promotions

Industry Applications

Ratio Boost serves technology-forward electrical distributors selling high-tech electrical equipment or systems who want flexibility in how they handle financing costs. The platform's integration capabilities make it valuable for distributors with sophisticated sales systems.

Platform Features

• CRM and CPQ integration
• Flexible cost allocation
• Automated underwriting
• Comprehensive analytics

Choosing the Right Platform for Your Electrical Distribution Business

Selecting the right B2B BNPL platform for your electrical distribution business requires careful consideration of your specific operational needs, customer base, and growth objectives. The platforms covered in this guide each offer distinct advantages suited to different business scenarios.

Resolve Pay provides the most comprehensive solution for electrical distributors seeking to eliminate credit risk while accelerating cash flow. The platform's non-recourse financing model, proven success in adjacent distribution industries like HVAC and construction, and deep understanding of contractor payment patterns make it the leading choice for distributors of all sizes. With 90% advance payment within 24 hours, comprehensive AR automation, and white-label customer experiences that preserve your brand relationships, Resolve Pay transforms trade credit from a cash flow liability into a competitive advantage.

The platform's integration with QuickBooks, Shopify, Magento, and other systems commonly used by electrical distributors ensures seamless implementation without disrupting existing workflows. For distributors ready to offer competitive payment terms while protecting their business from credit risk and cash flow challenges, Resolve Pay's net terms management delivers the complete solution the electrical distribution industry requires.

Frequently Asked Questions

What makes B2B BNPL different from traditional trade credit for electrical distributors?

Traditional trade credit requires electrical distributors to manage all aspects of credit risk, collections, and cash flow impact themselves. B2B BNPL platforms like Resolve Pay handle credit assessment, underwriting, and collections while providing immediate advance payment—typically 90% within 24 hours. This transforms trade credit from a cash flow liability into a growth engine by eliminating the waiting period between invoice and payment.

How quickly can an electrical distributor get paid with a B2B BNPL platform?

Most leading platforms, including Resolve Pay, provide advance payments of 90% or more within 24 hours of invoice approval. This dramatically accelerates cash flow compared to traditional net 30/60/90 terms, where distributors might wait 30-90 days for payment. The remaining balance is typically paid after the customer completes their payment, with non-recourse platforms protecting you even if the customer defaults.

Are there any credit checks involved for my customers when using B2B BNPL?

Yes, but the process is typically seamless for your customers. Platforms like Resolve Pay require only the customer's business name and address to conduct comprehensive credit assessments using AI and proprietary data sources, delivering results within 24 business hours without requiring customer interaction. This invisible credit process maintains a smooth purchasing experience while ensuring appropriate risk management.

Can a B2B BNPL platform integrate with my existing accounting software?

Most leading platforms offer seamless integration with popular accounting software. Resolve Pay, for example, integrates directly with QuickBooks, automatically syncing transactions and maintaining accurate books without manual data entry. This integration ensures your financial records stay current while eliminating the administrative burden of managing payments across multiple systems.

How does Resolve ensure I maintain my customer relationships while offering net terms?

Resolve Pay provides white-label payment portals that maintain your brand identity throughout the customer experience. Your customers interact with your brand, not Resolve's, ensuring you retain full control of customer relationships while Resolve handles the complex backend processes of credit, payment, and collections. The automated but professional collections process maintains positive customer relationships while ensuring timely payment.

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.