Best B2B BNPL Platforms for Packaging Equipment Manufacturers

Packaging equipment manufacturers face a unique cash flow challenge: their machinery typically costs between $50,000-$500,000+, yet buyers increasingly expect flexible payment terms of 30-90 days. Offering net terms can significantly boost sales, but waiting months for payment strains working capital needed for operations, inventory, and growth. B2B Buy Now Pay Later (BNPL) platforms solve this dilemma by advancing payment to manufacturers while providing buyers with the flexible terms they demand. Modern B2B BNPL solutions like Resolve Pay offer non-recourse financing that pays manufacturers within 24 hours while assuming all credit risk. This allows packaging equipment companies to offer competitive payment terms without sacrificing cash flow or taking on default risk. With the global B2B BNPL market reaching a gross merchandise value of $149.3 billion in 2023 and growing rapidly, manufacturers now have sophisticated options beyond traditional factoring.

Key Takeaways

• B2B BNPL platforms enable packaging equipment manufacturers to offer 30-90 day payment terms while receiving payment within 24-48 hours, solving critical cash flow challenges
• Non-recourse financing eliminates credit risk for manufacturers, ensuring bad debt from buyer defaults never impacts their bottom line
• AI-powered credit decisions process applications in as little as 30 seconds to 48 hours, dramatically accelerating the sales cycle compared to traditional methods
• Comprehensive AR automation can reduce manual overhead by up to 90%, freeing teams to focus on strategic growth initiatives
• Global coverage options allow international manufacturers to maintain localized compliance while offering consistent payment experiences across multiple markets
• Integration with major ERP systems like QuickBooks, Oracle, NetSuite, and SAP ensures seamless operations without disrupting existing workflows
• Extended payment terms of up to 12 months help buyers finance expensive packaging machinery, increasing conversion rates and average order values

1. Resolve Pay - Non-Recourse Financing with AI-Powered Speed

Best For

Packaging equipment manufacturers needing immediate cash flow with zero risk exposure

Resolve Pay provides an optimal solution for packaging equipment manufacturers seeking non-recourse financing with the fastest payment timeline. The platform advances up to 100% of invoice value within 24 hours while assuming 100% of credit risk, ensuring manufacturers never face bad debt from buyer defaults.

Why It Excels for Packaging Equipment

Resolve Pay specifically addresses the high-value transaction needs of equipment manufacturers with AI-powered credit decisions that process applications in as little as 30 seconds to 48 hours. The platform's comprehensive Accounts Receivable automation eliminates manual overhead by up to 90%, while seamless integration with leading ERP systems like QuickBooks, Oracle, and Shopify ensures smooth operations.

Key Features

• 100% non-recourse financing: All cash advances are yours to keep regardless of buyer payment status
• 24-hour advance payment: Receive up to 100% of approved invoice value within one business day
• AI-powered credit decisions: 9x faster credit checks compared to traditional methods
• Comprehensive AR automation: LLM technology automates payment reminders, reconciliation, and collections
• Free business credit checks: Requires only company name and address for instant assessment

Customer Results

Manufacturers using Resolve Pay report 75% revenue growth, 30-60% faster payment cycles, and 50% reduction in time spent managing receivables. The platform's expert team, formerly from Amazon, PayPal, and Fortune 500 firms, delivers deeper credit insights than traditional bureaus.

2. Two (formerly Tillit)

Best For

Manufacturers needing real-time credit approval for high-value equipment sales

Two leverages its proprietary Delphi AI Credit Engine to deliver credit decisions in under 2 seconds with approximately 90% acceptance rate. This speed benefits packaging equipment manufacturers who need to close deals quickly without lengthy credit approval processes.

Why It Excels for Packaging Equipment

Two's AI technology provides higher credit limits than traditional credit bureaus, making it suitable for the substantial investments required for packaging machinery. The platform's Frida AI Fraud Engine helps prevent fraud losses while maintaining a high buyer completion rate.

Key Features

• 2-second credit decisions: Delphi AI engine processes applications instantly
• High acceptance rate: Strong approval rates for B2B transactions
• Elevated credit limits: Increased purchasing power for buyers
• Global coverage: Operates across 19 markets with localized compliance
• Non-recourse protection: Full risk assumption for approved transactions

Customer Results

Two customers report higher conversion rates and increased average order value (AOV). The platform enables B2B customers to access market-leading credit solutions, including competitive limits, secure purchase verifications, and multiple net terms options.

3. Credit Key

Best For

Omnichannel packaging equipment sellers with both online and field sales operations

Credit Key offers extended payment terms—up to 12 months—while providing consistent BNPL experiences across all sales channels. This omnichannel approach serves packaging equipment manufacturers who sell through e-commerce, in-store showrooms, and field representatives.

Why It Excels for Packaging Equipment

The platform's recent $90 million growth capital raise demonstrates strong market confidence, while its 100% risk assumption protects manufacturers from buyer defaults. Credit Key's flexible terms are particularly valuable for expensive packaging machinery that buyers need extended time to finance.

Key Features

• 12-month payment terms: Extended terms available in the B2B BNPL space
• Omnichannel solution: Consistent experience across e-commerce, in-store, and field sales
• 100% risk assumption: Credit Key assumes all credit and fraud risk
• 48-hour payment to suppliers: Reliable cash flow timeline
• Industry focus: Specialized solutions for equipment-heavy industries

Customer Results

Credit Key customers report higher conversions, increased AOV, and improved customer satisfaction. The platform's omnichannel capabilities ensure buyers receive the same flexible payment options regardless of how they choose to purchase.

4. Capchase

Best For

Packaging equipment manufacturers prioritizing platform reliability and user experience

Capchase has received strong user satisfaction ratings, making it a proven, reliable platform with solid customer support. This reliability benefits manufacturers seeking a dependable platform for their payment operations.

Why It Excels for Packaging Equipment

Capchase's revenue-share pricing model works well for manufacturers with recurring revenue streams, such as those selling equipment with ongoing service contracts or software components. The platform's integration capabilities with CRM, CPQ, and invoicing software streamline the entire sales process.

Key Features

• Strong user satisfaction: Well-rated platform for reliability
• Flexible payment schedules: Customized options for different buyer needs
• CRM and CPQ integration: Seamless connection with sales tools
• Revenue-share pricing: Alternative to traditional percentage-based fees
• Partnership capabilities: Enhanced embedded finance for complex equipment transactions

Customer Results

Capchase demonstrates strong platform reliability with positive user confidence. The company's partnership with Barracuda Financial Services enhances its embedded finance capabilities for complex equipment transactions.

5. TreviPay

Best For

Large packaging equipment manufacturers with international operations

TreviPay brings 40+ years of B2B payments experience and processes over $7 billion in annual volume across 30+ countries. This enterprise-scale platform serves manufacturers selling packaging machinery globally who need localized compliance and multilingual support.

Why It Excels for Packaging Equipment

TreviPay's AI-enhanced credit underwriting uses 30+ databases to make informed decisions, while its guaranteed DSO (Days Sales Outstanding) ensures predictable cash flow. The platform's extensive industry experience validates its position as an established payments provider.

Key Features

• 40+ years experience: Long track record in B2B payments
• $7B+ annual volume: Enterprise-scale processing capability
• 30+ countries: Global reach with localized compliance
• Guaranteed DSO: Predictable cash flow timelines
• AI-enhanced underwriting: 30+ database sources for credit decisions

Customer Results

TreviPay customers report reductions in DSO, increases in average order volume, and decreases in invoice errors. The platform's manufacturing-specific solutions support digital transformation initiatives for equipment producers according to the U.S. Department of Commerce's focus on manufacturing innovation.

6. Balance

Best For

Packaging equipment marketplaces or platforms connecting multiple suppliers

Balance specializes in B2B marketplace payments with its dedicated marketplace operating system (OS) that handles complex multi-vendor transactions seamlessly. This makes it suitable for packaging equipment platforms that connect multiple manufacturers with buyers.

Why It Excels for Packaging Equipment

Balance's white-label customization allows marketplaces to maintain their brand identity while offering sophisticated payment options. High-profile customers like Instacart Business, Alibaba.com, and FASHIONGO demonstrate the platform's scalability and reliability.

Key Features

• Marketplace OS: Dedicated operating system for multi-vendor transactions
• White-label customization: Fully branded buyer experience
• B2B-optimized payments: Accepts same-day ACH, wire, cards, and global payments
• Automated payouts: Streamlined payment processing for multiple suppliers
• Robust APIs: Pre-built integrations with ERP and e-commerce platforms

Customer Results

Marketplace platforms using Balance have seen retention of existing customers and new customer growth. This growth impact is particularly valuable for equipment marketplaces seeking to expand their seller and buyer networks.

7. Terms.Tech

Best For

European packaging equipment manufacturers seeking extended payment terms

Terms.Tech is a European-focused platform offering payment terms up to 120 days. The platform understands European market dynamics and provides localized solutions for manufacturers operating across the European Economic Area.

Why It Excels for Packaging Equipment

Terms.Tech's deep understanding of European business practices includes knowledge of European Commission requirements and regulatory compliance for European operations. The platform's 120-day terms provide significant flexibility for buyers financing substantial equipment investments.

Key Features

• 120-day payment terms: Extended terms among available platforms
• European regulatory compliance: Aligned with EU packaging regulations
• Enhanced cash flow: Sellers get paid upon delivery (lower DSO)
• Full EEA coverage: Comprehensive European operations support plus Switzerland
• Industry knowledge: Understanding of packaging trends and sustainability requirements

Customer Results

Terms.Tech helps packaging equipment manufacturers enhance cash flow, increase buyer purchasing power, improve inventory management, and fund R&D initiatives. The platform's European focus ensures compliance with local regulations and payment preferences.

8. Hokodo

Best For

European packaging equipment manufacturers seeking comprehensive, integrated solutions

Hokodo provides an all-in-one B2B BNPL platform that handles credit scoring, insurance, collections, fraud prevention, financing, and payments without relying on third parties. This integrated approach ensures faster decisions and complete risk protection for European manufacturers.

Why It Excels for Packaging Equipment

Hokodo's 100% credit and fraud risk protection eliminates any liability for manufacturers, while its omnichannel capabilities support website, telesales, and field sales operations. The platform's European focus ensures compliance with local regulations and payment preferences, which is critical given GDPR and European data protection requirements.

Key Features

• All-in-one platform: No third-party reliance for faster decisions
• 100% risk protection: Complete credit and fraud coverage
• Flexible terms: 14, 30, 45, 60, 90 days or end-of-month options
• European focus: Designed specifically for European B2B expansion
• Omnichannel support: Website, telesales, and field sales capabilities

Customer Results

Hokodo helps manufacturers maintain strong cash flow management, which is particularly valuable for equipment manufacturers with significant working capital requirements. The platform's comprehensive approach reduces complexity while maintaining payment flexibility.

Making Your Choice: Essential Considerations for Packaging Equipment Manufacturers

Payment Speed vs. Term Length: Resolve Pay and Two offer the fastest payment to suppliers (24 hours to instant), while Credit Key provides extended buyer payment terms (120 days to 12 months). Consider whether immediate cash flow or extended buyer terms better serves your business model.

Geographic Focus: For US-based operations, Resolve Pay, Credit Key, provide strong domestic coverage. European manufacturers should consider Hokodo for localized compliance and payment preferences. Global enterprises benefit from TreviPay's 30+ country presence.

Risk Protection: Non-recourse financing is available from top platforms, with Resolve Pay, Two, Hokodo, and TreviPay all assuming 100% of credit risk. This protection is essential for high-value packaging equipment transactions where bad debt could significantly impact profitability.

Integration Requirements: Manufacturers with existing ERP systems should prioritize platforms with robust integration capabilities. Resolve Pay's comprehensive integrations with QuickBooks, Oracle, Shopify, BigCommerce, and Magento ensure seamless operations across your technology stack.

Transform Your Packaging Equipment Business with the Right BNPL Solution

Selecting the right B2B BNPL platform is a strategic decision that directly impacts your cash flow, sales growth, and competitive positioning in the packaging equipment market. As manufacturers face increasing pressure to offer flexible payment terms while maintaining healthy working capital, platforms like Resolve Pay provide the solution that addresses both needs simultaneously.

Resolve Pay's non-recourse financing model eliminates the traditional trade-off between offering competitive payment terms and maintaining strong cash flow. By advancing up to 100% of invoice value within 24 hours while assuming all credit risk, Resolve Pay enables packaging equipment manufacturers to confidently extend net terms to buyers without exposing themselves to default risk or cash flow strain. This is particularly valuable in an industry where machinery investments range from $50,000 to over $500,000 and buyers increasingly expect 30-90 day payment terms as standard.

The platform's AI-powered credit decisions process applications up to 9x faster than traditional methods, accelerating your sales cycle and improving customer experience. Combined with comprehensive AR automation that reduces manual overhead by up to 90%, Resolve Pay frees your team to focus on strategic growth initiatives rather than collections management. The seamless integration with leading ERP systems ensures implementation doesn't disrupt your existing operations.

For packaging equipment manufacturers seeking to grow revenue while protecting cash flow, Resolve Pay delivers the combination of speed, security, and automation that modern B2B payments require. The platform's proven results—including 75% revenue growth, 30-60% faster payment cycles, and 50% reduction in receivables management time—demonstrate its value for equipment manufacturers navigating the balance between competitive payment terms and financial health.

Frequently Asked Questions

What is the minimum annual B2B revenue required to use Resolve Pay?

Resolve Pay requires $1 million or more in annual B2B revenue. This eligibility requirement ensures the platform serves established businesses with consistent transaction volumes suitable for their financing model.

How does Resolve ensure sellers get paid quickly while offering buyers extended terms?

Resolve Pay advances up to 100% of approved invoice value within 24 hours while assuming all credit risk. Buyers receive flexible payment terms of 30-90 days, but manufacturers receive immediate payment without any collection responsibility or default risk.

How does Resolve's credit assessment differ from traditional credit bureaus?

Resolve's experts—formerly of Amazon, PayPal, and Fortune 500 firms—deliver deeper credit insights than traditional bureaus by combining AI models, behavioral signals, and human expertise. Their proprietary financial databases and algorithms generate dynamic, scalable credit decisions requiring only a business name and address.

Can Resolve be integrated with my existing ERP and e-commerce platforms?

Yes, Resolve seamlessly integrates with leading ERP, accounting, and commerce platforms including QuickBooks, Oracle, Shopify, BigCommerce, Magento, and WooCommerce. The platform's flexible APIs ensure compatibility with virtually any technology stack.

What kind of payment methods can buyers use through Resolve's portal?

Buyers can pay through Resolve's branded payment portal using ACH, credit card, wire transfer, or check. This flexibility accommodates diverse buyer preferences while maintaining a professional, white-labeled experience that strengthens your 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.