Offering flexible payment terms is crucial for laboratory supplies distributors navigating the complex world of research budgets, grant cycles, and high-value equipment sales. B2B Buy Now, Pay Later (BNPL) platforms can significantly boost your sales by increasing your customers' purchasing power while protecting your cash flow. According to research from the IBS Intelligence , extended payment terms remain a critical factor in B2B purchasing decisions, with many businesses requiring net 30, 60, or 90-day terms to align with their cash flow cycles. Integrating a solution like Resolve Pay's B2B Net Terms allows you to offer these flexible terms while getting paid upfront, turning credit from a risk into a powerful sales tool.
Resolve Pay offers a comprehensive B2B payments and credit platform that is a strong fit for laboratory supplies distributors looking to offer net terms while reducing credit and collections workload. Its core strength lies in its 100% non-recourse model, where Resolve assumes all the credit risk of late payments or defaults, allowing distributors to focus on growing sales rather than managing collections.
Resolve acts as your complete credit team, managing the entire credit lifecycle from underwriting to collections. Their proprietary AI models evaluate thousands of data points to deliver credit decisions significantly faster than traditional methods. For many transactions, buyers can get instant approvals for purchases up to $25,000, simply by providing their company name and address—eliminating paperwork friction that can delay sales.
The platform’s non-recourse structure means Resolve assumes repayment risk on approved invoices (subject to program terms), so you can offer net terms without carrying the same default and collections burden. This fundamental difference from traditional factoring or recourse financing removes the financial uncertainty that typically comes with extending credit terms.
Reagent & Consumables: A large university health system can place a $50,000 order for cell culture reagents and pay on net 60 terms, while the distributor receives payment from Resolve within 24 hours. This immediate cash flow allows the distributor to restock inventory and fulfill additional orders without waiting for the university's payment cycle.
Small Equipment: A contract research organization (CRO) can purchase a fleet of centrifuges and spectrophotometers with flexible payment terms, while the distributor's cash flow remains completely unaffected by the buyer's 30 or 60-day payment window. The distributor can confidently extend credit to grow the relationship.
E-commerce Growth: An online retailer of lab supplies can embed Resolve's white-label payment portal directly into their checkout experience. Customers can select from multiple payment options including ACH, credit card, or wire transfer, and choose net terms at checkout—dramatically improving conversion rates for high-value orders.
New Customer Acquisition: Distributors can confidently offer competitive payment terms to attract new biotech startups and academic labs, knowing that Resolve's AI-powered business credit check will assess risk accurately and Resolve will handle any collection issues that arise.
Resolve's combination of complete non-recourse protection, AI-driven speed, deep system integrations, and white-label capabilities makes it the most comprehensive solution for laboratory distributors seeking to automate their AR and credit processes while significantly reducing credit risk and collections workload. The platform transforms credit from a liability into a strategic competitive advantage, enabling distributors to win more business without increasing financial exposure.
ALT Capital, a division of American Laboratory Trading, is a BNPL provider purpose-built exclusively for the scientific equipment market. Their "Science Now, Pay Later®" program directly addresses the unique financing challenges of laboratory equipment procurement.
ALT Capital understands the lifecycle of lab equipment, the timing of grant disbursements, and the budget constraints of academic and biotech institutions. They offer specialized payment structures like "ALT13," which allows a buyer to divide the cost of equipment over 13 months, creating an almost monthly payment plan tailored to research budgets.
Biotech Startups: A new company can acquire a $250,000 mass spectrometer needed for a critical assay before its Series A funding fully closes, enabling crucial research timelines to be met.
University Labs: A professor can purchase a new HPLC system at the end of the fiscal year, even if their grant funds won't arrive until the next quarter, avoiding delays in research progress.
Pharma R&D: A research team can upgrade its entire suite of analytical instruments without impacting its quarterly capital expenditure budget, smoothing financial planning.
Capchase has earned recognition in G2's B2B BNPL category, with a platform particularly well-suited for vendors selling lab management software, LIMS systems, or other recurring scientific services.
Capchase's platform is embedded directly into a seller's CRM and CPQ systems, allowing sales teams to offer flexible payment terms as a natural part of the quote-to-cash process. The vendor receives the full contract value upfront, while Capchase manages the installment payments from the buyer.
Lab Software Vendors: A company selling electronic lab notebook (ELN) software can close a $100,000 annual contract and receive the cash immediately, rather than waiting for 12 monthly payments.
SaaS for Research: A provider of cloud-based bioinformatics tools can offer enterprise-wide licenses with multi-year terms, accelerating their own cash flow while making the purchase more accessible for customers.
Service Bundles: A distributor that bundles equipment with a yearly service and calibration contract can finance the entire package, removing payment friction.
Behalf specializes in serving small and medium-sized businesses, offering one of the most flexible term structures in the market, with options up to 180 days.
Behalf's focus on the SMB segment means its platform is designed to be accessible and easy to use for smaller distributors. The extended 180-day terms are a key differentiator, aligning well with the lengthy procurement cycles common in academic and government institutions.
Academic Sales: A small distributor of specialized lab glassware can offer a university a 150-day term to align with its quarterly budget release, making purchases more feasible within institutional constraints.
Startup Suppliers: A new biotech supply company can offer generous terms to attract its first customers, with financing that manages the associated credit risk.
Seasonal Buying: A distributor can support a customer's year-end spending patterns with flexible, long-term financing options that accommodate budget cycles.
Mondu reports approval rates of up to 91% , making it a conversion tool for distributors looking to maximize sales. Its platform is built for the global B2B market with strong multi-region capabilities.
Mondu's platform is truly borderless, offering multi-language support and multiple payment methods like SEPA and bank transfer, which are standard in Europe. Its agnostic widgets can be embedded into any webshop, making it highly flexible for diverse technical environments.
Global E-commerce: An online retailer of lab chemicals can embed financing widgets to offer net terms to a researcher in France, with the interface automatically in French and pricing in euros.
Maximizing Conversion: A distributor of niche lab equipment can increase its online sales by offering a financing option that a high percentage of qualified B2B buyers can access.
Diverse Customer Base: A distributor serving a mix of US, Canadian, and European customers can use a single platform to manage all their B2B financing needs across regions.
Ratio Boost is a modern BNPL solution built for technology companies, with a flexible fee structure that provides unique advantages in competitive markets.
Ratio allows the seller to choose who pays the financing fee: the seller can absorb it, pass it on to the buyer, or split it. This flexibility is invaluable in the competitive lab software market where pricing and margins are under constant pressure.
Competitive Bidding: A LIMS vendor can win a competitive bid by offering attractive financing terms to the buyer, strategically managing the fee structure to close the deal.
Cash Flow for Growth: A startup selling AI-powered drug discovery software can access non-dilutive capital upfront to fund its sales and marketing efforts, accelerating growth.
Embedded Checkout: A scientific data platform can embed financing directly into its online checkout flow, turning a $10,000 annual license into a manageable monthly payment structure for the buyer.
Billie has gained recognition for its exceptionally streamlined onboarding process, allowing distributors to start offering BNPL to their customers very quickly.
Billie's AI-powered platform is designed for speed and simplicity. Sellers receive payment upfront (payout timing depends on the integration setup and program terms), regardless of the net 30, 60, or 90-day term offered to the buyer, creating immediate positive cash flow impact.
Quick Launch: A new e-commerce store for lab safety equipment can integrate financing in a matter of days and immediately start offering net terms to customers.
Cash Flow Management: A small distributor can use the upfront payout to maintain a healthy cash flow and pay its own suppliers without delay, improving working capital efficiency.
Evaluating New Customers: AI assessment can provide a fast evaluation of a biotech startup's creditworthiness, allowing a distributor to confidently extend terms to a promising new customer.
Fundbox is best understood as a working-capital and invoice-financing provider that can help distributors manage cash flow gaps created by extended customer payment terms. This makes it particularly relevant for lab distributors that also offer significant service-based revenue.
Fundbox can be useful for distributors that already extend terms and want faster access to cash while they wait to be paid. It’s a flexible option for smoothing working capital, especially when you have uneven payment timing across equipment, consumables, and services.
Equipment + Service Bundles: A distributor selling a complex analytical instrument can finance the entire bundle including equipment plus a 1-year service plan.
Lab Testing Services: A contract testing lab can get a cash advance on its outstanding invoices for analytical services, improving working capital.
Working Capital for Startups: A new distributor can establish a credit line to manage the cash flow gap between purchasing inventory and receiving customer payments.
Selecting the right B2B BNPL platform for a laboratory supplies distribution business depends on your operations, customer mix, and growth goals. Lab supply sales often involve high-ticket orders, longer payment cycles tied to grants and institutional budgets, and customers ranging from cash-rich pharma companies to budget-limited academic labs. With the scientific and technical goods wholesale sector continuing to expand per the U.S. Bureau of Labor Statistics, distributors that can offer flexible terms without straining cash flow have a competitive edge.
For distributors seeking to reduce credit exposure, Resolve Pay’s non-recourse model can advance up to 100% of invoice value within one business day while taking on credit risk. AI-driven instant credit approval helps speed order-to-cash versus traditional underwriting delays, and integrations with QuickBooks, NetSuite, Shopify, and more streamline workflows via Resolve Pay. As research funding grows per National Science Foundation data, flexible net terms can help capture more market share.
B2B BNPL platforms directly increase your sales by giving your customers the buying power to make larger, more frequent purchases. They allow you to offer the net terms that are standard in the B2B world, especially in science, without the associated cash flow risk and administrative burden of managing accounts receivable. For laboratory distributors specifically, these platforms address the challenge of serving customers with varying budget cycles—from universities operating on fiscal years to biotech companies managing milestone-based funding.
Resolve takes on the entire credit risk through its 100% non-recourse model. Their platform uses AI to perform credit assessments using just a company name and address, delivering decisions quickly. For approved customers, Resolve advances up to 100% of the invoice value and assumes all risk of late payment or default, making it a truly risk-free solution for the distributor. This means you can focus on growing sales rather than managing collections.
Yes, integration is a core feature of modern B2B BNPL platforms. Resolve offers built-in integrations with leading ERP and accounting systems including QuickBooks, NetSuite, and Xero, as well as commerce platforms like Shopify and BigCommerce. This ensures a seamless flow of data and automated reconciliation, which is critical for operational efficiency and eliminates the need for manual data entry across systems.
Resolve can advance up to 100% of invoice value from your approved customers within a single business day of issuing the invoice, while your customer enjoys their standard 30, 60, or 90-day payment terms. This immediate access to cash eliminates the working capital strain that typically comes with extending credit and allows you to reinvest in inventory and growth opportunities without delay.
Yes, Resolve provides a white-label payment portal that you can brand as your own. This allows you to own the customer relationship and maintain your brand identity throughout the payment experience, while Resolve handles the complex backend of credit evaluation, payment processing, and collections management. Your customers see your brand, not a third-party payment provider.
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.