Industrial fasteners and hardware distributors operate in a challenging environment: thin margins under 10%, customers demanding Net 60-90 payment terms, and working capital constraints that limit growth. B2B Buy Now Pay Later (BNPL) platforms solve this by giving your buyers flexible payment terms while you get paid upfront—but not all platforms understand the unique needs of industrial distribution. Discover how platforms like Resolve's B2B Net Terms and Net Terms Management solutions eliminate bad debt risk while accelerating cash flow for distributors.
Resolve Pay has emerged as the leading B2B BNPL platform specifically designed for manufacturers and distributors, offering non-recourse net terms that eliminate bad debt risk—critical for hardware distributors operating on razor-thin margins.
Resolve combines AI-powered credit decisioning with comprehensive accounts receivable automation, creating a complete solution for industrial distributors. The platform maintains your white-label brand while handling credit assessment, collections, and payment processing, ensuring your customer relationships remain intact.
According to McKinsey research on industrial digitization, companies that adopt automated financial processes see significant improvements in working capital efficiency. Resolve's platform directly addresses this opportunity by streamlining the entire order-to-cash cycle for distributors.
Industrial fastener and hardware distributors face unique challenges: complex pricing structures, multi-location customer accounts, and high-volume, low-margin transactions. Resolve's platform addresses these specific needs with native integrations for distribution ERPs and white-label customer experiences that maintain your brand relationship. The non-recourse protection is particularly valuable for distributors who can't afford bad debt losses on already thin margins.
Deloitte research on working capital management shows that companies optimizing their accounts receivable processes can unlock significant cash that's currently tied up in unpaid invoices. Resolve's approach directly addresses this challenge by providing upfront payment while extending terms to buyers.
Resolve customers have achieved significant revenue growth, with documented cases showing 75% revenue increases and up to 50% reduction in AR management time. Manufacturing customers see a 55% increase in average order value when buyers can access flexible financing at checkout, demonstrating the platform's ability to drive larger transaction sizes.
The platform's non-recourse model means distributors can confidently extend terms to new customers without increasing risk exposure. This capability is particularly valuable when expanding into new markets or customer segments where historical credit data may be limited.
QuickBooks, NetSuite, SAP, Oracle, Shopify, BigCommerce, Magento, WooCommerce
Credit Key offers B2B BNPL with omnichannel capabilities and extended payment terms up to 12 months, making it suitable for hardware distributors with both online and brick-and-mortar operations.
Credit Key provides a B2B credit facility that works across all sales channels—e-commerce, in-store, phone orders, and field sales. Their platform includes a Credit Key Card and mobile app for buyer convenience, creating a seamless experience regardless of how customers prefer to purchase.
Hardware distributors often serve customers through multiple channels: online catalogs, physical showrooms, phone orders, and field sales representatives. Credit Key's omnichannel approach ensures consistent payment terms and approval processes regardless of purchase method. The extended 12-month terms can be valuable for large industrial equipment purchases.
Merchants using Credit Key report average improvements in conversions and order frequency. The company has raised $90M in growth capital to scale its platform for B2B distributors.
Integrations: Major e-commerce platforms, custom API integrations available
Learn More: Credit Key B2B BNPL
TreviPay brings over 40 years of B2B payments experience to industrial distributors, offering guaranteed Days Sales Outstanding (DSO) and white-label customization for multi-location operations.
As an established player with decades of B2B expertise, TreviPay offers guaranteed DSO—a feature that ensures predictable cash flow regardless of customer payment behavior. Their platform supports complex multi-entity structures and dealer/distributor networks common in the hardware industry.
Large hardware distributors with multiple locations, dealer networks, or complex corporate structures can benefit from TreviPay's enterprise-grade platform. The guaranteed DSO feature provides financial predictability that's essential for inventory planning and supplier negotiations. Their decades of B2B experience ensure they understand industrial distribution challenges.
TreviPay is recognized as an IDC MarketScape Leader for Embedded Payments and has over 40 years of B2B payments experience.
Integrations: Extensive enterprise integrations, custom development available
Learn More: TreviPay B2B Credit & Payments
Billtrust serves hundreds of distribution companies globally, offering comprehensive order-to-cash automation with BNPL capabilities specifically designed for industrial distributors.
Billtrust focuses on complete order-to-cash automation rather than just BNPL, making it suitable for distributors who need end-to-end AR management. Their platform handles complex distribution challenges like partial shipments, multi-location billing, and Level 2/Level 3 credit card processing for lower interchange fees.
Hardware distributors managing high invoice volumes can benefit from Billtrust's comprehensive automation. The platform handles complex billing scenarios common in industrial distribution—partial shipments, volume discounts, contract pricing, and multi-location accounts—while providing BNPL options for customers.
Billtrust serves hundreds of distribution companies globally, processing substantial transaction volumes annually.
Integrations: Distribution-specific ERPs and accounting systems
Learn More: Billtrust AR Automation
Versapay offers collaborative accounts receivable automation specifically designed for wholesale distributors, featuring a shared portal that reduces disputes and accelerates payments.
Versapay's collaborative approach creates a shared workspace where buyers and sellers can communicate about invoices, payments, and disputes in real-time. This reduces the friction common in industrial distribution relationships while maintaining professional boundaries.
Hardware distributors often serve customers with complex organizational structures—parent companies with multiple subsidiaries, locations, or divisions. Versapay's parent-child account management handles these scenarios. The collaborative portal reduces the manual work of resolving billing disputes, which can be valuable for high-volume distributors.
Versapay has helped wholesale distributors save significant hours in billing operations through automation. Research indicates that B2B executives recognize the need for further AR digitization.
Integrations: NetSuite, Epicor, and leading wholesale distribution ERPs
Learn More: Versapay Collaborative AR
Hokodo specializes in industrial supplies and offers extended payment terms up to 120 days with AIG-backed insurance protection, making it suitable for distributors with European operations.
Hokodo is designed for industrial supplies, construction, and automotive sectors. They offer a pan-European EMI license and provide AIG-backed insurance for payment protection. Their platform supports flexible terms from 7-120 days with high acceptance rates.
US-based hardware distributors with European customers or operations can benefit from Hokodo's pan-European presence and local compliance expertise. The 120-day payment terms match European industrial buyer expectations, while the AIG-backed insurance provides payment protection.
Hokodo is recognized for industrial supplies specialization and offers fast onboarding, with some implementations completing in just 2 weeks.
Integrations: API-first platform with plugin support for major e-commerce systems
Learn More: Hokodo B2B BNPL
Affirm brings consumer brand recognition and advanced machine learning underwriting to the B2B space, suitable for distributors selling to sole proprietors and small businesses.
Founded by PayPal co-founder Max Levchin, Affirm leverages its consumer brand recognition to bring trust to B2B transactions. Their advanced ML underwriting provides instant decisions for eligible small businesses, with no late fees or compound interest.
Hardware distributors serving small contractors, repair shops, and sole proprietors can benefit from Affirm's consumer brand recognition. These buyers are often already familiar with Affirm from B2C purchases, which can facilitate adoption. The ML underwriting handles credit assessment for smaller businesses that may lack extensive financial histories.
Affirm has demonstrated strong revenue growth with hundreds of thousands of active merchants including Amazon Business.
Integrations: Extensive merchant network with broad e-commerce platform support
Learn More: Affirm B2B Payments
Two offers extended installment options up to 36 months with European market presence, making it suitable for hardware distributors selling expensive industrial equipment or serving Nordic/DACH markets.
Two specializes in long-term installment plans up to 36 months, which can be valuable for expensive industrial equipment purchases. They have a particularly strong presence in Nordic and DACH (Germany, Austria, Switzerland) regions among B2B BNPL providers.
Distributors selling expensive industrial equipment, machinery, or specialized hardware can benefit from Two's extended installment options. The shared risk feature allows larger orders that exceed standard credit limits, enabling distributors to capture bigger deals.
Two offers high acceptance rates with instant decisions and has a particularly strong presence in Nordic & DACH regions.
Integrations: E-commerce-first approach with API and plugin support
Learn More: Two B2B BNPL
For industrial fasteners and hardware distributors facing the dual pressures of thin margins and extended payment terms, Resolve Pay stands out as the most comprehensive solution designed specifically for your business model. The platform's non-recourse financing eliminates the bad debt risk that can devastate a distributor operating on margins under 10%, while the sub-60 second credit approvals create the instant checkout experiences that drive conversion in today's competitive market.
What truly sets Resolve apart is its deep understanding of industrial distribution challenges. The platform's native integrations with distribution ERPs like NetSuite, Epicor, and QuickBooks ensure seamless operations without the manual data entry that creates AR bottlenecks. The AI-powered automation reduces AR management time by up to 50%, freeing your team to focus on growth rather than collections.
According to Federal Reserve data on business credit availability, access to flexible financing options directly impacts business growth trajectories. Resolve's ability to provide up to 90% advance rates on approved invoices means you get paid upfront while your customers enjoy Net 30/60/90 terms—transforming your cash flow from a constraint into a competitive advantage.
The platform's white-label approach maintains your brand relationship throughout the entire payment journey, ensuring customers associate the positive financing experience with your company, not a third-party provider. For distributors looking to scale without increasing risk, Resolve's non-recourse net terms provide the protection and predictability that traditional factoring simply cannot match.
With proven results showing 55% increases in average order value and documented revenue growth of 75% for customers, Resolve Pay delivers measurable ROI that transforms B2B BNPL from a cost of doing business into a strategic growth driver. The platform addresses the complete spectrum of industrial distribution needs: credit risk management, working capital optimization, AR automation, and customer experience enhancement—all in a single, integrated solution.
Selecting the right B2B BNPL platform depends on your specific business model and customer base. For industrial distributors focused on eliminating bad debt risk while maintaining thin margins, Resolve Pay's non-recourse financing provides comprehensive protection. Their AI-powered platform specifically addresses industrial distribution challenges with sub-60 second approvals and comprehensive AR automation.
For operations with both online and physical locations, Credit Key's omnichannel support ensures consistent payment experiences across all sales channels. Their extended 12-month terms can accommodate larger industrial purchases.
Enterprise distributors with complex multi-location structures may find value in TreviPay's guaranteed DSO and Billtrust's comprehensive order-to-cash automation, which provide predictability for large-scale operations.
For international operations, Hokodo and Two offer specialized European coverage with local compliance and extended payment terms that match regional buyer expectations.
Consider your primary needs: bad debt risk elimination, cash flow predictability, operational efficiency, or international expansion. The right platform should address your most critical challenges while integrating seamlessly with your existing ERP and e-commerce systems.
B2B BNPL (Buy Now Pay Later) allows your customers to purchase goods immediately and pay over time (typically Net 30/60/90 days) while you receive payment upfront. Modern B2B BNPL platforms like Resolve's B2B Payments Platform offer non-recourse protection, meaning you keep the advance payment even if the customer defaults. This eliminates bad debt risk while providing immediate working capital, fundamentally different from traditional factoring where you may have recourse obligations.
Most leading platforms provide payment within 24-48 hours of invoice approval. Resolve pays sellers upfront for approved invoices, while Credit Key pays within 48 hours and Affirm pays within 1-3 business days. The exact timing depends on the platform's underwriting process and your customer's credit approval speed, but the goal is always to accelerate your cash flow compared to traditional net terms.
Yes, integration capabilities are essential for distributors. Resolve integrates with QuickBooks, NetSuite, SAP, Oracle, Shopify, BigCommerce, Magento, and WooCommerce. Billtrust serves distribution industries with specialized ERP integrations, while Versapay integrates with NetSuite, Epicor, and leading wholesale distribution platforms. These integrations ensure seamless data flow without manual entry that creates AR bottlenecks.
Leading platforms like Resolve offer non-recourse financing, meaning they assume 100% of the credit risk. They handle credit assessment using AI-powered decisioning, manage collections through automated reminders and professional follow-up, and absorb any losses from customer defaults. This transforms your AR department from a cost center focused on collections into a growth enabler that can confidently extend terms to new customers.
Results vary by implementation, but documented outcomes include significant improvements in average order value, revenue growth, and AR efficiency. Manufacturing customers using Resolve have seen 55% increases in average order value when buyers can access flexible financing at checkout. The key to achieving strong results is proper program structure, competitive terms, and integration with your broader customer experience strategy.
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.