Best B2B BNPL Platforms for Machinery & Equipment Manufacturers

Manufacturing companies managing high-value equipment transactions face a critical challenge: a majority of manufacturers struggle with late payments while needing to offer competitive net terms to close sales. According to recent market research, the B2B Buy Now Pay Later market is projected to reach $669.5 billion by 2029, growing at 27.4% CAGR, as manufacturers seek solutions that provide immediate cash flow while enabling flexible customer payments. For machinery and equipment manufacturers specifically, offering net terms through a specialized platform like Resolve's B2B Net Terms can transform sales velocity while protecting cash flow.

Key Takeaways

• Manufacturing-specific platforms are purpose-built for industrial equipment sales with features that align with production cycles and high-value transactions
• Non-recourse financing is critical for protecting manufacturers, with top platforms assuming credit risk and ensuring manufacturers keep 90-100% of advance payments regardless of buyer payment outcomes
• Seamless integration capabilities with NetSuite, SAP, QuickBooks, and e-commerce platforms streamline operations and reduce implementation complexity for equipment manufacturers
• Geographic coverage varies significantly between providers, with US-focused platforms, European specialists, and global enterprise solutions serving different market needs
• Advance rates differentiate premium providers offering 90-100% upfront payment versus typical 70-80% from traditional factoring solutions
• AI-powered credit decisions enable instant approvals for transactions, accelerating the sales cycle from days to hours
• White-label payment portals maintain brand identity while accepting multiple payment methods including ACH, credit card, wire, and check payments

1. Resolve Pay - Manufacturing-Specific Non-Recourse Financing

Resolve Pay is designed for B2B sellers (including machinery and equipment), offering advances up to 90% within 24 hours on net-terms invoices (and marketing up to 100% advances on approved invoices, depending on the program) while assuming credit risk.

Best For

Machinery manufacturers, equipment distributors, and industrial suppliers managing $50K-$500K+ transactions who need immediate cash flow without credit risk exposure.

Key Features

• Advances up to 90% within 24 hours (and up to 100% on approved invoices, depending on the program) — manufacturers keep the advance regardless of buyer payment outcomes
• AI-powered credit decisions in 24 hours (instant for transactions up to $25,000), leveraging expertise from former Amazon and PayPal professionals
• Manufacturing-specific integrations with QuickBooks, NetSuite, Shopify, BigCommerce, and Magento through seamless integrations
• White-label payment portal maintaining brand identity while accepting ACH, credit card, wire, and check payments
• Automated AR workflow with payment reminders and collections management handled entirely by the platform
• Credit risk elimination where manufacturers never worry about buyer defaults or late payments

Why It Made The List

Resolve markets outcomes such as faster cash collection and increased average order value; results vary by seller, buyer mix, and implementation. The platform's non-recourse model, where "what you get is always yours to keep," directly addresses the cash flow challenges that manufacturers face due to late payments.

The manufacturing-specific approach means Resolve understands the unique requirements of equipment sales, including longer sales cycles, high transaction values, and the need for flexible terms to remain competitive. Unlike general payment processors, Resolve's platform is built around the realities of industrial equipment transactions.

Integration

Native connectivity with leading ERP and e-commerce platforms ensures automated invoice reconciliation and real-time transaction syncing through AI-powered B2B payments platform capabilities. The integration process typically takes days rather than weeks, minimizing disruption to existing operations.

2. TreviPay

TreviPay operates in 32 countries with enterprise-grade capabilities, bringing over four decades of B2B trade credit experience to global manufacturing operations.

Best For

Large equipment manufacturers with international operations requiring global trade credit solutions and enterprise ERP integration.

Key Features

• Global reach across 32 countries with support for 18-20 currencies, ideal for manufacturers with international supply chains
• Enterprise client roster demonstrating capability for complex global transactions
• Net 30-90 day payment terms with deep ERP integrations for SAP, NetSuite, and Microsoft Dynamics
• Acquired Apruve in December 2022 to enhance marketplace and digital commerce capabilities

Why It Made The List

With over 45 years in B2B credit, TreviPay offers extensive international coverage and enterprise-grade infrastructure. The Apruve acquisition demonstrates ongoing investment in modernizing trade credit for digital commerce while maintaining global scale.

Integration

Enterprise-grade connectivity with major ERP systems ensures seamless credit management and payment processing across global operations.

3. Capchase Pay

Following its acquisition of Vartana in June 2025, Capchase Pay specializes in technology and SaaS financing with strong customer satisfaction ratings.

Best For

Equipment manufacturers with software-enabled machinery or subscription-based service models requiring long-term financing options.

Key Features

• Strong customer satisfaction with high ratings from users in the technology financing space
• Long-term financing options of 12-60 months, ideal for software-enabled equipment or subscription models
• Deep CRM integration with Salesforce and HubSpot following the Vartana acquisition
• Substantial credit reserves backing financing decisions and ensuring liquidity

Why It Made The List

Capchase's proven track record in technology sector financing makes it suitable for manufacturers incorporating software or subscription services into their equipment offerings. The platform saw demand for its solutions increase 350% year-over-year, demonstrating strong market validation.

Integration

Deep CRM and CPQ workflow integration enables seamless financing offers within existing sales processes.

4. Billie

Billie operates across major European markets with payment terms up to 120 days and credit limits exceeding $1.1 million USD, serving over 1 million business buyers.

Best For

European equipment manufacturers or US manufacturers with significant European customer bases requiring extended payment terms and high credit limits.

Key Features

• Extended payment terms at 14-120 days, with credit limits up to $1.1 million USD
• European market coverage across Germany, Austria, Sweden, Netherlands, France, UK, and Switzerland
• Partnership with Alibaba.com (March 2024) for global e-commerce integration capabilities

Why It Made The List

Billie's combination of extended payment terms, high credit limits, and strong European market position makes it valuable for manufacturers serving European markets. Integration

Seamless integration with European e-commerce platforms and payment systems ensures smooth cross-border transaction processing.

5. Credit Key

Credit Key supports diverse customer types including nonprofits, government entities, and educational institutions, with recent growth capital backing expansion.

Best For

Equipment manufacturers with diverse customer bases including government, educational, or nonprofit organizations.

Key Features

• Broad customer eligibility including nonprofits, government, and educational institutions
• Credit lines up to $50,000 with flexible terms from net 30 days to 12 months
• Omnichannel capabilities supporting online, in-store, and phone/field sales transactions
• Risk assumption with merchant payments processed within 48 hours

Why It Made The List

Credit Key's inclusive approach and omnichannel capabilities make it valuable for manufacturers with diverse customer segments. The platform demonstrates strong performance metrics for merchants using the service.

Integration

Flexible API and plugin options enable integration across various sales channels and customer touchpoints.

6. Hokodo

Hokodo operates as a pan-European B2B BNPL provider with a full Electronic Money Institution (EMI) license and modular platform options.

Best For

Equipment manufacturers expanding across multiple European markets who need regulated payment solutions with flexible implementation options.

Key Features

• Pan-European EMI license ensuring regulatory compliance across all European markets
• Insurance and protection guarantees providing additional security for high-value transactions
• Modular platform approach allowing manufacturers to choose specific components versus full-stack requirements
• High acceptance rates with proprietary underwriting models

Why It Made The List

Hokodo's combination of full EMI licensing, insurance backing, and modular platform design supports manufacturers navigating complex European regulatory environments. The platform enabled rapid integration for clients, demonstrating efficient implementation capabilities.

Integration

Flexible integration options support various European e-commerce platforms and payment systems with rapid deployment timelines.

7. Mondu

Mondu operates in German and DACH region markets with strong approval rates and presence in agricultural and industrial machinery sectors.

Best For

Equipment manufacturers focused on German and DACH region markets requiring high approval rates and strong industrial sector understanding.

Key Features

• High approval rates with real-time credit checks enabling maximum conversion opportunities
• Immediate payments for merchants with credit risk assumption
• European e-commerce integrations including Stripe and Shopify plugins
• Flexible payment terms of 30-90 days with 3-12 month installment options

Why It Made The List

Mondu's strong approval rates and industrial machinery sector presence make it valuable for manufacturers targeting German markets. Case studies demonstrated a 13% new customer increase, showing real-world manufacturing success.

Integration

Strong connectivity with leading European e-commerce platforms ensures seamless checkout experiences for industrial buyers.

8. Airwallex

Airwallex specializes in cross-border B2B payments and FX with multi-currency capabilities, processing $235B+ in annualized transaction volume (as of late 2025).

Best For

Equipment manufacturers with international supply chains requiring frequent cross-border transactions and multi-currency operations.

Key Features

• Superior foreign exchange rates with minimal spreads and competitive foreign transaction fees on corporate cards
• Multi-currency wallets and local bank accounts in multiple countries enabling efficient currency settlement
• Fast international transfers with most arriving within one business day
• Proven scale with substantial transaction volume demonstrating reliability

Why It Made The List

Airwallex is not a BNPL/net-terms provider, but it’s valuable alongside BNPL platforms for manufacturers managing cross-border collections, payouts, and FX. According to research on cross-border B2B payments, efficient foreign exchange management can significantly reduce transaction costs for manufacturers.

Integration

Comprehensive API and platform integration options support complex international payment workflows and currency management.

Why Resolve Pay Stands Out for Machinery & Equipment Manufacturers

While several platforms offer B2B payment solutions, Resolve Pay's manufacturing-specific focus delivers unique advantages for machinery and equipment manufacturers. The platform addresses the core challenge facing the industry: late payment cycles that strain cash flow while maintaining competitive advantage requires offering attractive net terms.

Resolve's 90-100% non-recourse advance payments fundamentally change the equation. Manufacturers receive payment within 24 hours while customers enjoy flexible net terms - all without credit risk exposure. This model differs from traditional factoring or recourse arrangements where manufacturers remain liable for unpaid invoices.

The AI-powered credit decision engine, built by former Amazon and PayPal professionals, delivers instant approvals for transactions up to $25,000 and 24-hour decisions for larger deals. This speed enables sales teams to close high-value equipment transactions without the multi-day delays typical of traditional credit evaluation.

Manufacturing-specific integrations with NetSuite, QuickBooks, SAP, and major e-commerce platforms mean automated invoice reconciliation and real-time transaction syncing. The white-label payment portal maintains brand identity throughout the customer payment experience while accepting ACH, credit card, wire, and check payments through seamless system integration.

For manufacturers managing $50K-$500K+ transactions, Resolve's platform is purpose-built for the realities of industrial equipment sales: long sales cycles, high transaction values, complex buyer relationships, and the need for flexibility without sacrificing cash flow. The platform is positioned to drive business impact by enabling sellers to offer net terms while receiving fast advances; actual results vary by industry, customer base, and rollout.

Frequently Asked Questions

How does B2B BNPL specifically benefit machinery and equipment manufacturers?

B2B BNPL directly addresses core challenges machinery manufacturers face: late payments while needing to offer competitive net terms to close high-value sales. Specialized platforms like Resolve Pay provide 90-100% advance payments within 24 hours while assuming all credit risk, enabling manufacturers to offer net 30-90 day terms without cash flow disruption. This drives larger orders and repeat business while protecting working capital. The ability to offer flexible terms becomes a competitive advantage rather than a financial burden.

Can B2B BNPL solutions integrate with my existing ERP and accounting software?

Yes, leading platforms offer comprehensive integration capabilities. Resolve Pay provides native integrations with QuickBooks, NetSuite, Oracle, Shopify, BigCommerce, and Magento, automatically syncing transactions and reconciling payments. Enterprise platforms support SAP and Microsoft Dynamics, while comprehensive solutions offer native accounting platform connectivity. Integration typically requires minimal technical resources and can be implemented within days to weeks.

How do B2B BNPL platforms handle credit risk and collections for high-value equipment sales?

Specialized platforms like Resolve Pay assume credit risk through non-recourse arrangements, conducting thorough credit assessments using AI models and expert analysis from experienced professionals. They manage the entire collections process including payment reminders and late payment follow-up, while manufacturers keep their full advance payment regardless of buyer payment outcomes. This risk transfer is particularly valuable for high-value equipment transactions where traditional bad debt exposure could significantly impact profitability.

What kind of sales growth can machinery manufacturers expect by offering net terms?

Manufacturers implementing specialized B2B BNPL solutions report significant growth metrics: 75% revenue growth in one month and 30-40% average order value increases. The ability to offer net terms while receiving immediate payment removes a major barrier to high-value equipment purchases, enabling customers to buy more expensive machinery and equipment without immediate cash outlay while manufacturers maintain healthy cash flow. According to industry research on trade credit, offering payment flexibility significantly increases customer acquisition and retention.

Is 'non-recourse financing' truly risk-free for manufacturers?

Yes, true non-recourse financing like Resolve Pay's model is genuinely risk-free for manufacturers. The platform conducts credit assessment, makes credit decisions, and assumes all risk of late payments or defaults. Manufacturers receive their advance payment (typically 90-100% of invoice value) within 24 hours and keep this payment regardless of whether the buyer ever pays. This differs fundamentally from recourse factoring or partial guarantee arrangements where manufacturers remain liable for unpaid invoices. The platform handles all collections activities, protecting both the manufacturer's cash flow and customer relationships.

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.