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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Billie serves the European B2B BNPL market with 750,000+ business buyers and 5,500+ merchants, offering payment terms of up to 120 days.
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.
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.
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.
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.
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.
Versapay is purpose-built for wholesale distributors, offering mobile capabilities essential for electrical distributors with field sales teams serving contractor customers.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.