Best B2B BNPL Platforms for HVAC Parts Distributors

HVAC parts distributors face a persistent cash flow paradox: your contractor customers need 30-90 day net terms to manage their project budgets, but waiting months for payment can strangle your own working capital. With approximately half of all B2B invoices in the Americas currently paid late and bad debt averaging 8% of all B2B credit sales, the traditional model of offering trade credit is broken. The solution lies in modern B2B Buy Now, Pay Later (BNPL) platforms, which allow you to offer flexible terms to your buyers while getting paid upfront. We've analyzed the market to bring you the 8 best platforms specifically for HVAC parts distributors, balancing industry-specific needs, non-recourse risk management, and seamless integration capabilities.

Key Takeaways

• B2B BNPL platforms pay distributors upfront while offering flexible payment terms to contractor customers, eliminating the cash flow gap inherent in traditional net terms.
• Non-recourse financing models transfer credit risk entirely away from distributors, protecting against the industry's 8% average bad debt rate.
• Leading platforms integrate seamlessly with existing systems including QuickBooks, Oracle, and major ecommerce platforms to automate accounts receivable workflows.
• Real-time AI-powered credit decisioning enables instant checkout experiences for contractor customers without manual underwriting processes.
• Research from Harvard Business Review shows that increasing customer retention rates by just 5% can increase profits by 25% to 95%, making BNPL a strategic growth tool.
• Advanced platforms provide complete AR automation, reducing Days Sales Outstanding (DSO) while freeing up working capital that can unlock 10-20% of total revenue.
• The B2B BNPL market is projected to grow at a 27.4% CAGR to reach $669.5 billion by 2029, reflecting widespread adoption across distribution industries.

1. Resolve Pay – The HVAC Distributor's Embedded Credit & Payments Platform

Resolve Pay is purpose-built for B2B businesses like HVAC parts distributors who need to offer net terms without the associated financial risk. It goes beyond simple payments to provide a complete, embedded finance infrastructure.

What Makes Resolve Pay Different for HVAC Distributors:

Resolve acts as your on-demand "credit team," handling the entire process from underwriting to collections. This is critical in the HVAC space where contractor creditworthiness can vary widely. The platform's core offering is non-recourse financing, meaning you get paid upfront and never bear the risk if a customer defaults. This directly addresses the 8% industry average for bad debt.

Key Features & Benefits:

• Get Paid in 1 Day, Not 60: Resolve will advance pay up to 100% on invoices from your approved customers within 24 hours. This frees up working capital that can be used to unlock 10-20% of your total revenue through better working capital management.
• Seamless, Branded Experience: Your contractor customers apply for and manage their credit lines through a white-label portal, keeping your brand front and center. They can pay via ACH, credit card, wire, or check.
• Full AR Automation: Resolve's AI-powered platform automates your entire net terms workflow, from invoice to payment, reducing your Days Sales Outstanding (DSO) and eliminating manual collections. It features built-in integrations with accounting/ERP and ecommerce platforms (e.g., QuickBooks Online, Xero, Sage Intacct, NetSuite, Magento 2, BigCommerce) plus a flexible API for custom systems
• Instant Credit Decisions: Its proprietary AI models evaluate thousands of data points to provide real-time credit decisions, enabling your buyers to check out instantly with no paperwork.
• Complete Risk Protection: The non-recourse model means you're protected from bad debt entirely, transforming unpredictable receivables into guaranteed cash flow.
• Scalable Infrastructure: Built to grow with your business, from emerging distributors to enterprise-scale operations processing millions in monthly volume.

Real-World Impact:

Businesses using Resolve have seen significant growth, with one client, Nandansons, achieving 75% B2B revenue growth. The platform's ability to eliminate credit risk while accelerating cash flow creates a foundation for sustainable expansion.

Best For:

HVAC distributors of all sizes who want to increase sales by offering net terms while completely eliminating credit risk and automating their accounts receivable process. Learn more about Resolve for Sellers.

2. Capchase

Capchase has earned its place as a top-ranked B2B BNPL platform on the independent software review site G2. It's a powerful choice for distributors who prioritize a platform with strong user validation and a data-driven approach.

What Makes Capchase Different:

While Capchase initially focused on SaaS, its core B2B BNPL technology is highly adaptable for the distribution space. Its top ranking on G2, where it has earned 6 category badges for user satisfaction, speaks to its reliability and ease of use.

Key Features & Benefits:

• Strong Market Credibility: Being a top-ranked B2B BNPL platform on G2 provides strong confidence in its capabilities.
• Data-Driven Underwriting: Capchase uses sophisticated data analytics to assess buyer risk and assign credit limits, allowing for more accurate and scalable financing.
• Flexible Financing for Your Customers: It enables your HVAC contractor customers to access the capital they need to place larger, more frequent orders, directly boosting your sales.

Best For:

HVAC distributors who want a highly-rated BNPL solution with a strong track record of user satisfaction. Its technology-first approach is ideal for businesses looking for a scalable, future-proof platform.

3. TreviPay

With extensive experience in B2B payments, TreviPay is an established leader for distributors with international ambitions or complex, large-scale operations

What Makes TreviPay Different:

TreviPay's deep legacy and global infrastructure set it apart. It's a trusted partner for businesses that need a rock-solid, enterprise-grade platform backed by decades of expertise.

Key Features & Benefits:

• Global Reach: TreviPay supports net terms across 20+ countries, making it suitable for distributors who sell HVAC equipment internationally.
• Guaranteed Settlement & Predictable DSO: The platform provides guaranteed payment, giving you full predictability over your cash flow and financial planning.
• Enterprise-Grade Risk Management: TreviPay partners with Allianz Trade to provide robust risk management and credit insurance, offering a high level of security for your receivables.

Best For:

Mid-to-large HVAC parts distributors and manufacturers with a significant international customer base or those who require an enterprise-level, highly secure platform with a long track record.

4. Billtrust

Billtrust is a comprehensive digital transformation platform for the entire order-to-cash cycle, which includes integrated payment terms.

What Makes Billtrust Different:

Billtrust's strength is its holistic approach. It doesn't just add a financing button; it rebuilds your entire digital sales and AR process from the ground up with a focus on automation and a modern buyer experience.

Key Features & Benefits:

• Complete Digital Buying Experience: It provides an AI-powered eCommerce portal with a visual catalog, allowing your contractor customers to find, configure, and buy parts online, a major upgrade from traditional phone/email ordering.
• AI-Powered Cash Application: Its advanced AI can automatically match payments to invoices with high accuracy, drastically reducing manual AR work.
• Massive Scale: The platform processes over $1 trillion in B2B payments annually, demonstrating its robustness and reliability for large-volume distributors.

Best For:

HVAC distributors are looking for a full digital transformation of their sales and AR processes, not just a BNPL add-on. It's ideal for businesses that want to modernize their entire customer buying journey.

5. Balance

Balance is a modern fintech player offering a sleek BNPL experience with a focus on dynamic, data-driven credit limits.

What Makes Balance Different:

Balance uses real-time data to automatically adjust a buyer's credit limit based on their purchasing and repayment history, providing a more flexible and responsive financing experience.

Key Features & Benefits:

• Dynamic Credit Lines: Credit limits are not static. They can increase for your best customers as they demonstrate good payment behavior, encouraging larger and more frequent purchases.
• Easy Integration: Offers a "virtual card" option for a quick, no-code launch, making it accessible for smaller distributors to get started fast.
• Strong Business Impact: Balance reports that its platform drives a 30% increase in conversion rates and a 55% repeat purchase rate for its merchant clients.

Best For:

Tech-savvy HVAC distributors who want a modern, flexible BNPL solution that can adapt to their customers' evolving credit needs and is easy to integrate.

6. Affirm for Business

Leveraging its massive success in the B2C BNPL market, Affirm for Business is now making a strong push into B2B, with a direct tie-in to the HVAC industry.

What Makes Affirm for Business Different:

Affirm's key differentiator is its established brand trust and its strategic partnership with ServiceTitan, the leading software platform for home service contractors, including HVAC specialists.

Key Features & Benefits:

• HVAC Industry Connection: The partnership with ServiceTitan means Affirm's financing is already integrated into the workflow of thousands of HVAC contractors, making adoption seamless for both you and your customers.
• Consumer-Grade Experience: Affirm is known for its clear, transparent financing options at checkout, which can translate into a superior customer experience for your B2B buyers.
• Instant Decisioning: Uses machine learning to provide real-time credit decisions without relying on traditional, often limited, business credit lines.

Best For:

HVAC parts distributors whose customers are already using ServiceTitan or who want to offer a well-known, consumer-friendly financing experience to their contractor base.

7. eCapital

With extensive experience in business financing, eCapital brings decades of asset-based lending and factoring expertise to its modern B2B BNPL offering.

What Makes eCapital Different:

eCapital's long-standing presence in the financial services industry provides a sense of security and deep expertise, especially for businesses that may have used traditional factoring in the past.

Key Features & Benefits:

• Deep Financial Expertise: Extensive experience in business financing translates into a deep understanding of the capital needs of wholesalers and distributors.
• Comprehensive Suite: Beyond BNPL, eCapital offers a range of other financial services (like asset-based lending), which can be a one-stop shop for a distributor's broader financing needs.
• Focus on Frictionless Sales: By handling credit checks and repayment tracking, eCapital allows distributors to remove financial friction from the sales process, which can increase average order value (AOV).

Best For:

Established HVAC distributors who value an experienced financial partner and may be interested in a broader range of financing solutions beyond just BNPL.

8. Klarna for Business

One of the world's largest and most recognizable BNPL brands, Klarna for Business, has now extended its services into the B2B market, with direct proof of adoption in the HVAC space.

What Makes Klarna for Business Different:

Klarna's massive global brand awareness and existing customer base are its superpowers. Furthermore, it's not just theoretical for HVAC—the proof is in the merchant.

Key Features & Benefits:

• Proven HVAC Adoption: The platform is used by Wholesale HVAC Direct, showing adoption in the HVAC commerce ecosystem; confirm whether the offering is true B2B invoicing/net terms for contractor accounts or consumer-style checkout financing depending on purchaser type.
• Multiple Payment Options: Offers flexible plans like "Pay in 4," "Pay in 30 days," and longer-term financing, giving your customers choices that fit their cash flow.
• Massive Scale: With over 114 million+ global shoppers, many of your B2B buyers may already be familiar and comfortable with Klarna from their personal shopping.

Best For:

HVAC distributors are looking to leverage a globally recognized brand that's already proven to work in their industry, offering multiple flexible payment options to their customers.

Making Your Choice: Key Considerations for HVAC Distributors

The B2B BNPL market is booming, projected to grow at a 27.4% CAGR to reach $669.5 billion by 2029. With so many strong options, your choice should align with your specific business needs.

Critical Factors to Evaluate:

• Risk Tolerance: If eliminating bad debt risk is your top priority, a non-recourse model like Resolve Pay is essential.
• Customer Profile: Are your customers local, national, or international? Do they use specific software like ServiceTitan? This will narrow your choices (e.g., Affirm for ServiceTitan users, TreviPay for international).
• Tech Stack & Integration: How important is a seamless integration with your existing ERP, accounting (e.g., QuickBooks), or ecommerce system? Platforms like Resolve and Billtrust excel here.
• Scope of Solution: Do you need just a BNPL button, or a complete overhaul of your digital sales and AR process? Billtrust offers the latter, while others like Balance provide a more focused BNPL add-on.

The right platform will not only accelerate your cash flow but also empower your HVAC contractor customers to buy more, building a stronger, more resilient business relationship.

Why HVAC Distributors Choose Resolve Pay

For HVAC parts distributors ready to transform their payment operations, Resolve Pay delivers the most comprehensive solution combining immediate cash flow, zero credit risk, and complete AR automation. The platform's non-recourse model means you can confidently offer net terms to grow your customer base while eliminating the uncertainty of late payments and defaults.

What sets Resolve Pay apart is its purpose-built approach to B2B distribution challenges. Rather than adapting consumer BNPL technology or offering standalone financing, Resolve provides an embedded credit and payments infrastructure that becomes part of your sales process. Your contractor customers experience a seamless, branded checkout while you receive guaranteed payment within 24 hours.

The platform's AI-powered credit decisioning removes the burden of manual underwriting from your team, enabling instant approvals that keep sales moving. With built-in integrations to QuickBooks, Oracle, and major ecommerce platforms, Resolve automates your entire accounts receivable workflow, reducing DSO and freeing your team to focus on strategic growth initiatives rather than collections.

Research from Bain & Company confirms that increasing customer retention rates by just 5% can boost profits by 25% to 95%. By enabling you to offer competitive payment terms without financial risk, Resolve Pay helps you capture this retention advantage while protecting your bottom line. The result is a better alternative to traditional factoring that scales with your business and strengthens customer relationships.

Frequently Asked Questions

What specific benefits does B2B BNPL offer HVAC parts distributors compared to traditional net terms?

Traditional net terms force you to wait 30-90 days to get paid while bearing 100% of the credit risk, leading to the industry's 8% average bad debt rate. B2B BNPL platforms solve this by paying you upfront (often 100% of the invoice) and assuming the credit risk, turning your accounts receivable into immediate working capital while still offering your customers the flexible terms they need.

Can Resolve integrate with common HVAC distributor software like QuickBooks or custom ERP systems?

Yes, Resolve is built for seamless integration. It has native, built-in integrations with accounting/ERP and ecommerce platforms (e.g., QuickBooks Online, Xero, Sage Intacct, NetSuite, Magento 2, BigCommerce) plus a flexible API for custom systems. For custom ERP systems, its flexible API ensures you can connect Resolve directly into your existing tech stack for automated syncing of customer and invoice data.

How does Resolve handle credit assessments for my HVAC contractor customers?

Resolve's platform uses proprietary AI models that analyze thousands of data points to make real-time credit decisions. You only need to provide your customer's business name and address. Resolve handles the entire credit check discreetly and delivers a decision, often within 24 hours. This removes the burden and expertise gap of manual credit underwriting from your team.

Is Resolve truly non-recourse, and what does that mean for my risk as an HVAC parts distributor?

Yes, Resolve's financing is non-recourse. This means that once Resolve approves a customer and advances you the payment on an invoice, the risk of non-payment is transferred entirely to Resolve. If your customer fails to pay, you keep the advanced cash, and Resolve handles collections. This makes the solution risk-free to you, protecting your business from bad debt.

How does B2B BNPL differ from traditional factoring for HVAC distributors?

While both provide immediate cash flow, B2B BNPL platforms like Resolve offer significant advantages over traditional factoring. BNPL solutions typically provide a seamless, branded customer experience with instant credit decisions, whereas factoring often involves visible third-party involvement. Additionally, modern BNPL platforms include full AR automation, API integrations with your existing systems, and often more competitive fee structures. Most importantly, Resolve's approach maintains your customer relationships while providing the same non-recourse protection as factoring.

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.