Best B2B BNPL Platforms for HVAC Equipment Manufacturers

HVAC equipment manufacturers face a unique cash flow challenge: your customers—contractors, distributors, and large facility managers—expect 30-90 day payment terms for $10,000-$100,000+ equipment purchases, yet you need working capital to fulfill orders and manage seasonal demand fluctuations. B2B Buy Now, Pay Later (BNPL) platforms have emerged as the solution, offering embedded financing that lets you get paid immediately while your customers maintain their preferred payment terms. The right BNPL partner can transform your cash conversion cycle, increase order sizes by 30-60%, and reduce or fully transfer credit risk that comes with traditional net terms. According to the U.S. Department of Energy, HVAC systems represent a significant capital investment for commercial and industrial facilities, making flexible payment solutions essential for manufacturers. For manufacturers seeking to implement this technology, Resolve's B2B net terms platform provides a complete solution that integrates credit assessment, invoice financing, and AR automation specifically designed for equipment sellers.

Key Takeaways

• HVAC equipment manufacturers need B2B BNPL platforms that handle large-ticket transactions ($10,000-$100,000+) while providing immediate funding to support seasonal demand and working capital needs
• Non-recourse financing eliminates credit risk entirely, allowing manufacturers to offer competitive payment terms without exposure to customer defaults
• AI-powered credit decisioning enables instant approvals for B2B customers, accelerating the sales cycle and improving customer experience
• Complete AR automation reduces manual accounts receivable work by approximately 50%, freeing internal resources for growth-focused activities
• Seamless ERP integration with platforms like QuickBooks, NetSuite, and Oracle ensures smooth implementation without disrupting existing workflows
• Industry-specific solutions designed for equipment manufacturers deliver better outcomes than generic payment platforms
• The best BNPL platforms combine immediate funding (24-hour advance payments) with comprehensive credit-to-cash lifecycle management
• Choosing the right platform requires evaluating non-recourse protection, transaction size capabilities, integration options, and industry expertise

1. Resolve Pay - Purpose-Built for Equipment Manufacturers

Resolve Pay stands as a comprehensive B2B BNPL platform explicitly designed for HVAC equipment manufacturers, offering a complete credit-to-cash solution that addresses the industry's unique challenges of large-ticket transactions, seasonal demand, and contractor payment expectations.

Best For

HVAC manufacturers needing 100% non-recourse financing with immediate funding and complete AR automation

What Makes Resolve Different

Resolve combines embedded credit expertise, embedded invoice financing, and embedded payments into a single platform, acting as your "credit team on tap." Unlike traditional factoring or generic BNPL solutions, Resolve understands the HVAC equipment sales cycle and provides tailored financing that grows with your business.

The platform's non-recourse model means what you receive is always yours to keep—even if customers default. This eliminates the credit risk that typically prevents manufacturers from offering competitive net terms to grow their customer base.

Key Capabilities

• 100% non-recourse financing on approved invoices—what you receive is always yours to keep, even if customers default
• funding typically within 24 hours with advance rates that can reach ~90%+ (and in some cases up to 100%) depending on approval and structure
• AI-powered Smart Credit Engine delivering instant decisions using proprietary models that evaluate thousands of data points
• Complete AR automation reducing manual accounts receivable work significantly
• Seamless integrations with QuickBooks, Oracle, NetSuite, Shopify, and other manufacturing ERPs and e-commerce platforms
• White-label customer portals allowing you to maintain your brand throughout the customer payment experience
• Automated collections management handling follow-ups and payment reminders while preserving customer relationships

Industry Impact

Resolve serves thousands of businesses in manufacturing, distribution, and wholesale sectors. Case studies demonstrate significant revenue growth for businesses implementing the platform, with documented 50% reduction in order processing time through automated workflows.

The platform's ability to advance up to 100% of invoice value within 24 hours directly addresses the cash flow challenges created by extended payment terms. For HVAC manufacturers managing seasonal demand fluctuations and large equipment inventory, this immediate funding capability enables consistent operations without working capital constraints.

Implementation

Resolve's platform integrates directly into your existing sales channels—whether online, through field reps, or via traditional invoicing. Your customers apply for net terms at checkout or on invoices, and Resolve handles the entire credit assessment, underwriting, and collections process while you maintain your customer relationships through white-label portals.

The AI-powered credit engine evaluates thousands of data points to deliver instant credit decisions, eliminating the multi-day delays typical of traditional credit approval processes. This speed enables your sales team to close deals faster and respond immediately to customer purchase requests.

Getting Started

Visit Resolve's B2B net terms platform to see how non-recourse financing can transform your HVAC equipment sales. The platform offers better terms than traditional factoring with complete protection from customer payment defaults.

2. TreviPay

TreviPay brings decades of B2B payments experience to HVAC manufacturers with international operations, offering guaranteed settlement and predictable Days Sales Outstanding (DSO) across multiple countries.

Best For

Large HVAC manufacturers with global customer bases requiring multi-currency support

Key Capabilities

• Global reach serving business customers across 32 countries
• Multi-currency support for 20 currencies with predictable settlement timelines
• Enterprise-grade risk management partnerships
• Omnichannel support for online, in-store, and field sales transactions
• Guaranteed settlement ensuring predictable cash flow

Research from the Federal Reserve indicates that B2B payment innovation continues to accelerate, with businesses increasingly seeking flexible payment options to support supplier relationships and working capital management.

Implementation

As an enterprise-focused solution, TreviPay serves larger manufacturers with complex international operations. The platform integrates with major ERP systems and provides comprehensive reporting for global treasury management.

3. Capchase

Capchase provides B2B BNPL capabilities with integration partnerships designed for technology-forward HVAC manufacturers selling connected equipment or IoT-enabled systems.

Best For

HVAC manufacturers with IoT-enabled products or software-integrated equipment

Key Capabilities

• Payment platform partnerships enabling embedded BNPL in digital sales channels
• CRM and CPQ integrations for streamlined sales operations
• Significant financing provided to B2B companies
• Technology-focused approach suited to modern equipment sales

Technology Focus

Capchase serves manufacturers whose products include software or digital services, making it relevant for modern HVAC companies selling smart thermostats, connected HVAC systems, or equipment with subscription-based monitoring services.

The platform integrates with existing CRM, CPQ, and e-commerce systems to provide embedded financing at the point of sale.

4. Affirm for Business

Affirm for Business leverages its consumer brand recognition and strategic partnership with ServiceTitan to provide BNPL solutions for the HVAC contractor ecosystem.

Best For

Manufacturers whose contractor customers use ServiceTitan and want consumer pay-over-time options to help close homeowner-funded projects

Key Capabilities

• ServiceTitan integration providing direct access to service businesses
• Consumer brand recognition with millions of users familiar with the platform
• Instant decisioning for eligible consumers/homeowners at checkout
• Flexible short-term financing options

Industry Presence

Affirm focuses on the contractor side of the HVAC ecosystem, making it particularly relevant for manufacturers whose customers operate within the ServiceTitan platform environment. The platform's consumer brand recognition provides credibility with small business owners who may have used Affirm for personal purchases.

5. Billtrust

Billtrust specializes in accounts receivable automation for heavy machinery and equipment dealers, processing significant transaction volumes with industry-focused automation capabilities.

Best For

HVAC manufacturers prioritizing AR automation alongside financing capabilities

Key Capabilities

• Equipment dealer specialty with dedicated solutions for heavy machinery sales
• High automated cash application match rates
• Extensive ERP connectivity with numerous ERP connectors plus AP portals
• Generative AI technology providing AR automation capabilities
• Significant processing scale

AR Focus

Billtrust emphasizes comprehensive accounts receivable automation, making it relevant for manufacturers seeking to streamline their entire order-to-cash process. The solution addresses both financing needs and operational efficiency through automation.

The platform's enterprise-grade capabilities require integration but deliver operational efficiency gains for manufacturers with complex invoicing requirements and high transaction volumes.

6. Fundbox

Fundbox leverages machine learning algorithms to provide credit lines for small to medium HVAC manufacturers, using multiple data sources for rapid credit decisions.

Best For

Growing HVAC manufacturers needing flexible credit lines rather than per-invoice financing

Key Capabilities

• Credit lines available for qualified businesses
• Advanced ML algorithms analyzing multiple data sources for credit decisions
• Focus on expanding net terms access for SMBs
• Platform integrations with e-commerce and accounting software

SMB Accessibility

Fundbox's line-of-credit model differs from per-invoice financing, providing manufacturers with flexible working capital they can draw against as needed. This approach works well for businesses with consistent sales volumes.

The platform's AI-driven approach enables rapid credit decisions for small to medium businesses looking to manage cash flow during growth phases.

7. Balance

Balance provides a digital-first BNPL experience specifically designed for B2B marketplaces, distributors, and platform-based sales models.

Best For

HVAC manufacturers selling through online marketplaces or digital platforms

Key Capabilities

• Platform-focused approach with embedded payments for marketplaces
• Self-serve digital checkout providing modern user experiences
• B2B supply chain payment support
• Marketplace operating systems integration capabilities

Digital Experience

Balance brings a technology-forward approach to B2B payments, making it relevant for HVAC manufacturers with strong digital sales channels or those operating within B2B marketplaces.

The solution emphasizes digital-native experiences and modern checkout flows designed for online B2B transactions.

8. Credit Key

Credit Key provides B2B BNPL solutions with emphasis on risk elimination, assuming credit risk so merchants can offer payment terms without exposure to defaults.

Best For

HVAC manufacturers prioritizing risk elimination

Key Capabilities

• Merchant risk elimination through assumption of credit risk
• Customer-friendly application processes
• Point-of-sale financing for B2B transactions
• Fast credit approvals enabling immediate purchase decisions

Risk Management

Credit Key's primary value proposition centers on eliminating merchant credit risk. The platform handles credit decisions and assumes payment risk, allowing manufacturers to offer terms without concern about customer defaults.

The solution provides straightforward risk management for manufacturers looking to expand their customer base through payment term offerings.

Making Your Choice: Essential Considerations for HVAC Manufacturers

Selecting the right B2B BNPL platform for your HVAC equipment manufacturing business requires careful evaluation of your specific operational needs, transaction sizes, and growth objectives. The HVAC equipment industry's unique characteristics—including high-value purchases, seasonal demand patterns, and contractor payment expectations—demand specialized financing solutions that understand these requirements.

Non-Recourse Financing is Critical

For HVAC equipment manufacturers selling $10,000-$100,000+ systems, non-recourse financing that protects you from customer defaults is essential. According to the CFO for my Business, cash flow management remains one of the top challenges for manufacturers, making risk-free financing particularly valuable. Platforms offering non-recourse protection eliminate the exposure that comes with extending credit, allowing you to offer competitive terms without jeopardizing your financial position.

Resolve's non-recourse approach ensures that what you receive is always yours to keep, even if customers default on payment. This protection is particularly important when selling large HVAC systems where a single default could significantly impact your cash flow.

Industry-Specific Capabilities Matter

Generic BNPL platforms may not understand the unique challenges of HVAC equipment sales, including seasonal demand patterns, large-ticket transactions, contractor purchasing behaviors, and distributor relationships. Resolve's accounts receivable automation is specifically designed for equipment manufacturers, with features that address the complete credit-to-cash lifecycle.

The platform's AI-powered credit engine evaluates thousands of data points specific to B2B purchasing patterns, delivering instant credit decisions that accelerate your sales cycle. This industry-specific expertise translates to higher approval rates and better customer experiences.

Integration Requirements

Consider your existing technology stack when evaluating BNPL platforms. Seamless integration with your ERP, accounting, and e-commerce systems is essential for operational efficiency. Platforms like Resolve offer extensive integrations with QuickBooks, NetSuite, Oracle, Shopify, and other manufacturing systems, ensuring smooth implementation without disrupting existing workflows.

Real-time data synchronization eliminates manual data entry and reduces errors, while automated invoice processing saves your AR team approximately 50% of their time on routine collection activities.

Transaction Size Capabilities

Ensure your chosen platform can handle your typical transaction sizes. HVAC equipment sales often range from $10,000 to $100,000+, and some BNPL solutions are optimized for smaller purchases. Verify that your platform supports your largest transactions and can advance sufficient capital to meet your working capital needs.

Resolve's platform is built for equipment manufacturers and handles large-ticket transactions with advance rates that can reach ~90%+ (and in some cases up to 100%) depending on approval and structure, providing the substantial funding needed for significant HVAC equipment sales.

Complete Solution vs. Point Solution

Determine whether you need just financing or a complete credit-to-cash solution that includes AR automation, credit assessment, collections management, and customer portals. Resolve for Sellers provides a comprehensive platform that manages the entire customer payment lifecycle, from initial credit application through final payment collection.

This complete approach eliminates the need for multiple vendors and provides a seamless experience for both your team and your customers. Your customers benefit from a professional, white-labeled experience that maintains your brand, while your team gains operational efficiency through automation.

The Resolve Advantage for HVAC Equipment Manufacturers

For HVAC equipment manufacturers seeking to eliminate credit risk while accelerating cash flow, Resolve Pay offers the most comprehensive solution in the market. The platform's combination of 100% non-recourse financing, 24-hour funding, AI-powered credit decisions, and complete AR automation addresses all aspects of the credit-to-cash cycle.

By advancing up to 100% of invoice value within 24 hours while assuming all credit risk, Resolve enables you to offer competitive 30-90 day payment terms without the cash flow strain or default risk. Your customers get the payment flexibility they expect, you receive immediate funding to support operations, and Resolve handles all credit assessment and collections activities.

The platform's seamless integration with leading ERP and e-commerce systems ensures smooth implementation, while white-label customer portals maintain your brand throughout the payment experience. With automated AR workflows reducing manual work by approximately 50%, your team can focus on growth-focused activities rather than chasing payments.

Frequently Asked Questions

How does non-recourse financing work for HVAC equipment manufacturers?

Non-recourse financing means the funding you receive is yours to keep regardless of whether your customer pays. When you sell HVAC equipment and extend net terms through a non-recourse platform like Resolve, the platform advances you up to 100% of the invoice value within 24 hours and assumes the credit risk. If your customer defaults or pays late, you keep the advance—the platform absorbs the loss. This eliminates the cash flow uncertainty and credit risk that typically comes with offering payment terms.

Can B2B BNPL platforms handle $50,000-$100,000+ HVAC equipment transactions?

Yes, but not all platforms are designed for large-ticket transactions. Many BNPL solutions are optimized for smaller purchases and may have transaction limits that don't accommodate major HVAC equipment sales. Resolve's platform is specifically built for equipment manufacturers and handles large transactions with advance rates up to 100% of invoice value. When evaluating platforms, verify their maximum transaction size and typical advance rates for purchases in your range.

How quickly can customers receive credit approval through B2B BNPL platforms?

Credit approval speed varies significantly by platform. Traditional credit processes can take several days, which slows down the sales cycle and may result in lost deals. AI-powered platforms like Resolve provide instant credit decisions by evaluating thousands of data points in real-time. Your customers only need to provide basic business information, and the platform handles credit checks discreetly, delivering results within hours rather than days. This speed enables your sales team to close deals immediately without waiting for credit approval.

What's the difference between recourse and non-recourse BNPL financing?

Recourse financing means you remain responsible if your customer doesn't pay—the funding platform can require you to buy back the invoice or repay the advance. Non-recourse financing transfers the credit risk to the platform. With Resolve's non-recourse model, you receive your advance and keep it regardless of customer payment behavior. This difference is critical for HVAC equipment manufacturers where a single large default could significantly impact cash flow. Non-recourse protection provides true risk elimination.

How do B2B BNPL platforms integrate with existing ERP and accounting systems?

Leading platforms offer direct integrations with major ERP and accounting systems used by manufacturers, including QuickBooks, NetSuite, Oracle, SAP, and others. These integrations automatically sync transaction data, invoice information, and payment details in real-time, eliminating manual data entry and reducing errors. Resolve provides seamless integrations with leading manufacturing systems, ensuring that invoice creation, credit decisions, funding advances, and payment reconciliation all flow automatically between systems. When evaluating platforms, verify they support your specific ERP system and understand the depth of integration available.

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.