Janitorial and sanitation supplies distributors face a unique cash flow paradox: their customers—facilities managers, cleaning contractors, and institutional buyers—expect flexible net terms to manage their own budgets, yet distributors must pay suppliers promptly and invest in seasonal inventory peaks. Traditional factoring drains margins with hidden fees, while waiting 30-90 days for payment stifles growth. The solution? Modern B2B Buy Now, Pay Later (BNPL) platforms that let you offer net terms while getting paid upfront. According to Business Wire research, the market is projected to reach $669.5 billion by 2029, and these platforms are purpose-built to help distributors streamline net terms, reconciliation, and invoicing with an AI-powered B2B payments platform. Here are the 8 best B2B BNPL platforms for janitorial and sanitation supplies distributors in 2026.
Resolve Pay stands out as the optimal solution for US-based janitorial distributors, combining the highest advance rate with non-recourse financing that eliminates credit risk. The platform is engineered specifically for B2B manufacturers and distributors, not as an afterthought for B2C companies.
Distributors prioritizing maximum cash flow, rapid payment, and risk elimination on every transaction.
Resolve's platform directly addresses the core challenges of the janitorial supply business. When a school district or hospital places a large order for cleaning chemicals and equipment, Resolve's system can instantly underwrite the buyer, advance up to 100% of the invoice value to you in a day, and manage all subsequent collections. This non-recourse model means the advance is yours to keep, even if the customer pays late or defaults. For distributors managing seasonal inventory builds for peak cleaning seasons, this immediate cash injection is transformative. The platform's AI-powered Accounts Receivable automation also streamlines the entire workflow from credit check to reconciliation, reducing Days Sales Outstanding (DSO) and manual overhead.
Capchase is built for growth-focused businesses, particularly those with a strong SaaS or recurring revenue component. Its acquisition of Vartana has solidified its position in the tech-driven B2B space.
Larger, tech-savvy distributors with sophisticated CRM systems and a need for very long financing terms.
While Capchase is often associated with SaaS, its robust platform is well-suited for larger distributors who manage complex, recurring contracts for facility services or equipment leasing. If your business model includes long-term service agreements for specialized sanitation equipment, Capchase's ability to offer 12-60 month terms can be a powerful sales tool to close large deals. Their high approval rate and enterprise-grade infrastructure provide stability for businesses scaling rapidly.
TreviPay is a powerhouse for distributors with a global footprint, backed by 45+ years of B2B payment experience and a vast international network.
Distributors with multinational customers or suppliers, requiring a single solution for complex global transactions.
For distributors sourcing products internationally or selling to a global client base, TreviPay's extensive network is invaluable. Their deep experience in B2B payments means they can handle the complexities of cross-border transactions, tariffs, and multi-currency invoicing that would overwhelm a more domestic-focused platform. Their instant approval speed ensures that international sales aren't held up by lengthy credit checks, which is crucial in a competitive global market.
Credit Key holds a unique position as a BNPL provider that explicitly serves the full spectrum of business buyers, including the critical but often overlooked segments of government, non-profits, and educational institutions.
Distributors whose primary customers are schools, hospitals, municipalities, and other public or non-profit entities.
A significant portion of the janitorial supply market is institutional. Selling to a school district or a public hospital often comes with complex procurement processes and long payment cycles. Credit Key's specialization in these sectors means they understand the nuances of underwriting these buyers, which traditional lenders often avoid. Their ability to offer flexible terms while assuming all of the risk allows distributors to win and fulfill these large, strategic contracts without jeopardizing their own cash flow.
Billie, a Berlin-based fintech, is a leading B2B BNPL player in Europe, offering some of the most flexible terms on the market.
Distributors headquartered in or primarily serving the European market.
For a European-based janitorial distributor, Billie is a natural fit. The ability to offer 120-day terms is a significant competitive advantage, allowing your customers ample time to manage their own cash flows while you secure the sale. Their deep integration into the European business ecosystem and their partnership with a global marketplace like Alibaba.com make them a strategic partner for distributors looking to expand their reach.
Mondu is a fast-growing European BNPL provider known for its exceptionally high approval rates and strong focus on physical goods, making it well-suited for equipment financing.
European distributors selling high-value cleaning and sanitation equipment.
Janitorial supply isn't just consumables; it includes expensive equipment like industrial floor scrubbers and sanitizing machines. Mondu's high approval rate means more of your customers will qualify for financing on these large-ticket items, directly increasing your average basket size. Their documented impact includes a significant increase in average basket size for their clients, a critical metric for any distributor.
Slope is a newer, API-first BNPL platform built for speed and seamless integration, backed by significant capital including from J.P. Morgan.
Tech-forward distributors with custom e-commerce platforms who prioritize a frictionless, instant checkout experience.
In a competitive online marketplace, a slow or clunky checkout process can lose a sale. Slope's API-first design allows it to be deeply embedded into a custom B2B e-commerce site, providing an instant, seamless credit application that doesn't disrupt the buying experience. For distributors who have invested in a modern digital storefront, Slope ensures that their technology advantage is not lost at the final payment hurdle.
Hokodo differentiates itself in the European market with a unique risk-mitigation feature: its credit and fraud protection is backed by Lloyd's of London.
European distributors who are highly risk-averse and want an extra layer of security on their receivables.
For distributors managing tight margins, the risk of a bad debt can be catastrophic. Hokodo's Lloyd's of London insurance provides a powerful safety net, transferring the financial risk away from the distributor and onto one of the world's most respected insurance markets. This allows distributors to offer confident, flexible terms to their customers without the constant worry of potential defaults.
When evaluating a B2B BNPL platform, janitorial and sanitation distributors should focus on these critical factors:
The percentage of the invoice you receive upfront and the time it takes to receive it are paramount. A platform that offers up to 100% advance in 24 hours directly impacts your ability to manage cash flow and reinvest in inventory. This is far superior to waiting weeks for payment or accepting a lower advance rate.
Ensure the platform serves your specific market. If you sell primarily to US schools and hospitals, a specialist in institutional buyers is invaluable. For European operations, platforms with European market expertise are essential. For a global business, extensive international network capabilities are critical.
Your business isn't just about paper towels and soap. Platforms that can handle large equipment financing are essential for maximizing your sales on high-ticket items like industrial cleaning machines and sanitation equipment.
The platform must integrate seamlessly with your existing ERP, accounting, and e-commerce systems. A complicated, manual process will create more overhead than it solves. Look for providers with robust integrations with leading financial and commerce platforms.
Understand the recourse policy. A non-recourse platform means the advance is yours to keep, shifting the credit risk entirely to the provider. This is a game-changer for protecting your business.
Resolve Pay helps janitorial and sanitation supplies distributors improve cash flow and remove credit risk by advancing up to 100% of invoice value within 24 hours. Its true non-recourse structure means Resolve assumes full default risk once you’re paid, so you can confidently offer net terms to facilities managers, cleaning contractors, and institutional buyers without late payments hurting margins.
The platform’s AI-powered credit engine provides instant approvals for purchases up to $25,000, helping distributors close sales faster and increase order sizes across consumables and equipment. Resolve also integrates with QuickBooks, NetSuite, Shopify, and other systems to avoid workflow disruption, while automated A/R management covers credit checks through collections to reduce DSO. For institutional customers with complex procurement cycles, white-label portals preserve your branding and customer relationship. During seasonal demand spikes or large project orders, Resolve Pay's B2B payments platform delivers working capital and protection to support growth.
B2B BNPL (Buy Now, Pay Later) is a modern financing solution where a third-party platform underwrites your customer's credit, pays you upfront for their invoice, and then collects payment from your customer on the agreed net terms (e.g., Net 30, 60). This differs from traditional credit where you, the distributor, bear all the risk of late payments or defaults and must wait the full term to get paid. With B2B BNPL, your cash flow is accelerated, and your risk is dramatically reduced or eliminated.
Payment speed varies by provider. The fastest platforms can advance up to 100% of an approved invoice's value within 24 hours. Others may take 48-72 hours. This is a massive improvement over the traditional 30-90 day wait for customer payment.
Yes, leading platforms are built for seamless integration. For example, Resolve Pay offers built-in integrations with QuickBooks, NetSuite, Shopify, BigCommerce, and Magento, ensuring that all transactions are automatically synced for accurate bookkeeping and a smooth customer experience. This automation is key to reducing manual work and errors.
Modern platforms use sophisticated underwriting that goes far beyond a simple credit bureau check. They often combine traditional financial data with thousands of alternative data points and behavioral signals. Advanced platforms use AI models and expertise to deliver deeper credit insights than traditional bureaus. This results in more accurate, faster, and often more inclusive credit decisions.
This is a core benefit. Many B2B BNPL platforms, particularly non-recourse providers, take on the majority or all of the credit risk. This means they are responsible for collections, and if a customer defaults, you, the distributor, do not have to repay the advance. This transforms net terms from a significant financial risk into a safe and powerful sales tool to attract and retain customers.
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.