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.
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.
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.
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.
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.
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.
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.
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.
With extensive experience in B2B payments, TreviPay is an established leader for distributors with international ambitions or complex, large-scale operations
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.
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.
Billtrust is a comprehensive digital transformation platform for the entire order-to-cash cycle, which includes integrated payment terms.
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.
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.
Balance is a modern fintech player offering a sleek BNPL experience with a focus on dynamic, data-driven credit limits.
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.
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.
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.
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.
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.
With extensive experience in business financing, eCapital brings decades of asset-based lending and factoring expertise to its modern B2B BNPL offering.
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.
Established HVAC distributors who value an experienced financial partner and may be interested in a broader range of financing solutions beyond just BNPL.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.