Best B2B BNPL Platforms for Plumbing Supplies Distributors

For plumbing supplies distributors, cash flow is the lifeblood of the business. You must stock vast inventories to meet contractor demands, often extending Net 30 or Net 60 terms to foster loyalty and close large orders. Yet, waiting 30-60 days for payment while your own bills are due can create a perilous financial gap. A growing number of B2B buyers now expect flexible payment options, a trend reshaping B2B commerce. Research from the Federal Reserve shows that late payments significantly impact small business operations, making effective payment solutions critical. The right Buy Now, Pay Later (BNPL) platform can bridge this gap, allowing you to offer your customers the credit they need while ensuring you get paid fast. Finding a solution that understands the unique dynamics of the plumbing supply industry—a mix of large commercial projects, urgent repair jobs, and a network of contractor relationships—is critical. In this guide, we've analyzed the top platforms to help you choose the best partner to offer Net Terms and Grow Your Revenue, streamline your accounts receivable, and build stronger customer relationships.

Key Takeaways

• Industry-Specific Solutions Win: Platforms like ResolvePay, built with distribution and wholesale in mind, address plumbing-specific pain points like seasonal demand and large-ticket commercial projects.
• Risk Mitigation is Key: Non-recourse financing, offered by ResolvePay, transfers the credit risk of customer non-payment away from your business, a crucial safety net for distributors.
• Integration is Non-Negotiable: Seamless connection to your ERP and accounting software (like QuickBooks or NetSuite) is essential for operational efficiency and accurate bookkeeping.
• Speed & Flexibility Matter: From instant credit approvals at checkout to same-day funding for your business, the best platforms remove friction from the entire payment lifecycle.
• Beyond Payment Processing: The top platforms go further, offering full AR automation, collections management, and valuable credit insights to help you proactively manage your financial health.
• Cash Flow Protection: According to the U.S. Small Business Administration, cash flow challenges are among the top reasons businesses fail, making immediate payment solutions essential for sustainability.
• Customer Retention Impact: Harvard Business Review research indicates that increasing customer retention rates by just 5% can increase profits by 25% to 95%, highlighting the value of flexible payment terms that build loyalty.

1. ResolvePay – The Non-Recourse Financing Leader for Distributors

For plumbing supplies distributors, ResolvePay stands out as the premier B2B BNPL platform because it directly solves the core dilemma: how to offer credit without bearing the financial risk. Unlike traditional financing options, ResolvePay provides a truly non-recourse model, meaning you keep the advance payment even if your customer fails to settle their invoice. This transforms net terms from a potential liability into a powerful, risk-free sales tool designed to streamline your net terms, accounts receivable, and payments processes.

What Makes ResolvePay Different for Plumbing Distributors

ResolvePay was built by experts from Amazon and PayPal with a deep understanding of B2B commerce in wholesale and distribution. The platform integrates payments, credit, and liquidity into a single infrastructure, acting as your dedicated 'credit team on tap'. For plumbing distributors managing hundreds of contractor accounts, this means you can confidently offer Net 30, 60, or even 90-day terms to boost sales and customer loyalty without jeopardizing your own cash flow.

The platform’s underwriting is designed for B2B wholesale and distribution, helping evaluate contractor buyers and common purchase patterns in the channel. This industry specialization means faster approvals and more accurate credit decisions compared to generic payment platforms.

• Non-Recourse Advance Pay: Get up to 90-100% of your invoice value funded within 24 hours for approved customers. All cash advances are non-recourse, so the money is always yours to keep, eliminating the risk of bad debt entirely from your balance sheet.
• Comprehensive AR Automation: The platform doesn't just fund invoices; it manages the entire lifecycle. AI-powered agents handle invoice reminders, collections, and reconciliation, freeing your team from the administrative burden. Many distributors spend an average of 14 hours weekly chasing payments—ResolvePay eliminates this time drain.
• Seamless E-commerce & ERP Integration: Easily connect ResolvePay to your existing tech stack, including QuickBooks, Shopify, BigCommerce, and Oracle, creating a unified workflow from quote to cash. This deep integration ensures real-time data synchronization across all your financial systems.
• Instant Credit Decisions: Your customers receive immediate credit approvals at checkout, creating a frictionless purchasing experience that competitors struggle to match. This speed advantage helps close deals faster and improves customer satisfaction.
• Dedicated Credit Team Support: Unlike platforms that leave you to manage credit risk alone, ResolvePay provides expert underwriting and collections support, acting as an extension of your team without the overhead of hiring specialists.
• Flexible Net Terms Options: Offer Net 30, 60, or 90-day terms based on your business strategy and customer relationships, with the confidence that you'll receive payment within 24 hours regardless of the terms extended.

Customer Success Metrics

ResolvePay delivers measurable results for distributors across the wholesale sector. Customers report meaningful reductions in order-processing and AR workload, improving operational efficiency and freeing teams to focus on growth instead of manual follow-up.

The platform is trusted by over 12,000 businesses across the wholesale and distribution sectors, demonstrating its scalability and reliability for companies of all sizes. This extensive customer base means ResolvePay has processed countless transactions across diverse business scenarios, continually refining its technology and processes.

2. Versapay

Versapay is a choice for larger plumbing supply distributors with complex enterprise resource planning (ERP) systems like SAP or Oracle. The platform excels as a sophisticated Accounts Receivable automation and collaborative commerce platform, offering deep native integrations with major ERP systems.

What Makes Versapay Different

Versapay's core strength lies in its deep, native integrations with major ERP systems. This creates a seamless flow of data, reducing manual entry and errors. Their collaborative AR platform provides your customers with a self-service portal where they can view invoices, make payments, and resolve disputes.

• Deep ERP Integrations: Native connections to SAP, Oracle, and NetSuite that sync data in real-time, creating a single source of truth.
• AI-Powered Cash Application: Automatically matches payments to open invoices with high accuracy, a time-saver for distributors processing high volumes of checks and ACH payments.
• Level 2/3 B2B Data Capture: This feature can help reduce credit card interchange fees, a cost saving for high-volume transactions.
• Customer Self-Service Portal: Empowers your contractor customers to manage their own accounts, leading to faster payments and fewer support calls.

3. TreviPay

TreviPay operates a global B2B payments and net-terms network with coverage across 32 countries, supporting businesses with international operations.

What Makes TreviPay Different

TreviPay operates as both a network and a financing platform. You can choose to use your own capital to fund the credit you extend (self-funding) or use TreviPay's capital. Their instant approval engine, which offers 30-90 day terms, is backed by a large network of transaction data.

• Massive Global Network: Access to a vast ecosystem of B2B buyers and sellers, which can enhance your own business's credibility and reach.
• Flexible Capital Options: Choose the funding model that best suits your balance sheet and risk appetite.
• Instant Approvals: Provides a smooth, fast checkout experience for your customers with immediate credit decisions.

4. Slope

Slope's primary claim to fame is speed. Backed by strategic financing that includes J.P. Morgan, Slope has built a modern, API-first platform designed for fast approvals and streamlined settlement. For plumbing distributors with a robust e-commerce presence where checkout speed is paramount, Slope offers compelling capabilities.

What Makes Slope Different

Slope's technology is engineered for rapid underwriting and settlement. Their system can approve a buyer for credit in as little as 10-30 seconds, enabling a near-frictionless checkout experience. They also offer same-day settlement for merchants.

• Ultra-Fast Approvals: Industry-leading 10-30 second approval times keep your online sales conversion high.
• Same-Day Merchant Settlement: Get your money quickly to manage your own cash flow needs.
• Modern API-First Architecture: Makes for a clean, flexible technical integration with your custom e-commerce platform.

5. Bill.com

Bill.com is widely used by SMBs to automate Accounts Payable (AP) and Accounts Receivable (AR). It also offers business credit products, and its primary strength for plumbing distributors is streamlining the invoice-to-cash and bill-to-pay cycle (rather than acting as a dedicated checkout BNPL/net-terms engine for your customers).

What Makes Capchase Different

Bill.com provides a user-friendly, all-in-one dashboard for managing your finances. Its OCR (Optical Character Recognition) technology can automatically scan and process paper invoices, and its payment workflow automates approvals and payments.

• Full AP/AR Cycle Automation: Manage your bills and your customer invoices in a single, intuitive platform.
• Wide SMB Adoption: Its familiar interface makes it easy for teams to adopt and use.
• Strong QuickBooks Integration: A seamless, well-established connection to the accounting software most small businesses use.

6. Capchase

Capchase has been recognized in G2’s Winter 2025 rankings, including top placement for B2B within the BNPL/installment payments category. and has provided over $2.5 billion in financing. The platform excels at deep integrations with CRM and billing systems.

What Makes Capchase Different

Capchase's model is built around flexible, per-deal payment terms and sophisticated data-driven underwriting. The platform offers customizable solutions for businesses with complex revenue models.

• Deep Tech Stack Integrations: Seamless connections to platforms like Salesforce and Stripe Billing.
• High Industry Recognition: Its G2 ranking validates its quality and user satisfaction in the BNPL space.
• Flexible Payment Structures: Can tailor terms to complex or non-standard deals.

7. Paystand

Paystand's unique value proposition is its focus on a fee-free payment network. The platform is built on a network model where businesses are incentivized to join and use the ecosystem. Its most compelling feature for cost-conscious plumbing distributors is zero-fee bank payments (ACH/eCheck).

What Makes Paystand Different

By creating a closed-loop network of B2B companies, Paystand can eliminate traditional payment processing fees for bank transfers. This can result in significant savings over time, especially for high-volume distributors. The network effect means that the more companies in your ecosystem that use Paystand, the more value you receive.

• Zero-Fee Bank Payments: Eliminate transaction fees on ACH and eCheck payments.
• B2B Payment Network: Leverages network effects to create a more efficient and cost-effective payment ecosystem.
• Robust ERP Integrations: Offers strong connections to various financial systems to support this payment model.

8. Fundbox

Fundbox provides business lines of credit of up to $150,000 USD using a highly advanced, AI-powered underwriting engine. Fundbox evaluates over 100 data sources to assess a business's creditworthiness, going far beyond traditional credit bureau data.

What Makes Fundbox Different

Fundbox is an excellent tool for managing general working capital needs. It provides a revolving line of credit to cover payroll, buy inventory, or bridge gaps between your own payables and receivables. Its quick, data-driven approval process serves SMBs effectively.

• AI-Powered Credit Decisions: A sophisticated model that can offer credit to businesses that might be overlooked by traditional lenders.
• SMB-Focused: Specifically designed to serve the small business segment.
• Flexible Revolving Credit: A line of credit you can draw on as needed, providing ongoing financial flexibility.

9. Tranch

Tranch is built for facilitating large B2B transactions. The platform specializes in invoices ranging from $10,000 to $500,000 USD, making it a fit for plumbing distributors handling major commercial or infrastructure projects. Its standout feature is its incredibly fast onboarding process.

What Makes Tranch Different

Tranch can get you up and running in just 72 hours, a fraction of the time it takes many competitors. This rapid deployment is an advantage if you've just won a large contract and need a financing solution immediately. They also support real-time payments via the FedNow system.

• Focus on Large-Ticket Items: Tailored for the significant invoices common in commercial plumbing projects.
• 72-Hour Implementation: Fast go-live time for a comprehensive BNPL solution.
• Future-Proof Payments: Support for real-time payment rails like FedNow.

10. Stripe

Stripe is the global leader in online payment processing infrastructure. While it doesn't offer its own native B2B net terms product, its incredibly flexible API allows you to build any kind of custom payment flow, including integrating with a third-party BNPL provider. Millions of businesses, from startups to Fortune 500 companies, rely on Stripe.

What Makes Stripe Different

Stripe's power lies in its developer-first approach. If you have a custom-built e-commerce platform for your plumbing supply business, Stripe provides a robust, secure, and customizable payment processing backbone. It supports a vast array of global payment methods and currencies.

• Unmatched API Flexibility: The most powerful toolkit for developers to create bespoke payment experiences.
• Global Payment Support: Accept payments from customers anywhere in the world.
• Extensive Ecosystem: A vast library of plugins and pre-built integrations for common platforms.

Why ResolvePay is the Right Choice for Plumbing Distributors

When evaluating B2B BNPL platforms for your plumbing supply business, the decision ultimately comes down to which solution best addresses your specific challenges while supporting your growth objectives. ResolvePay distinguishes itself by offering the complete package that plumbing distributors need: non-recourse financing that eliminates credit risk, rapid 24-hour funding that protects cash flow, and comprehensive AR automation that frees your team from administrative burdens.

The platform's industry specialization means it understands the unique dynamics of the plumbing supply sector—from seasonal demand fluctuations to the contractor payment cycles that define your business. Research from McKinsey shows that B2B buyers increasingly expect the same seamless payment experiences they receive as consumers, making flexible payment terms not just a competitive advantage but a business necessity.

ResolvePay's non-recourse model represents a fundamental shift in how distributors can approach customer financing. Rather than choosing between extending credit and protecting cash flow, you can do both simultaneously. The platform advances your payment within 24 hours while assuming all credit risk, transforming net terms from a liability into a pure sales enabler. For distributors managing hundreds of contractor relationships while navigating the cash flow challenges inherent in wholesale distribution, this capability is transformative.

Whether you're a regional distributor looking to compete with larger players or an established business seeking to modernize your payment infrastructure, ResolvePay provides the credit team on tap expertise and technology you need to offer competitive terms without the traditional risks and administrative overhead.

Frequently Asked Questions

What are the benefits of B2B BNPL for plumbing suppliers?

B2B BNPL allows you to meet your customers' demand for flexible payment terms, which can significantly increase sales volume, average order value, and customer loyalty. For your business, the right platform ensures you get paid quickly—often within 24 hours—improving your cash flow. This addresses a critical need, as the U.S. Small Business Administration identifies cash flow management as one of the top challenges facing small businesses.

How does Resolve help with managing net terms and collections for plumbing distributors?

Resolve acts as your dedicated 'credit team on tap'. They handle the entire net terms workflow for you: performing credit checks on your buyers, underwriting their credit lines, sending out invoices, managing automated payment reminders, and handling collections if a payment is late. This frees your internal team to focus on sales and service, not chasing down payments.

Can Resolve integrate with my existing accounting software?

Yes, absolutely. Resolve has built-in integrations with all the major platforms used by plumbing distributors, including QuickBooks, Oracle, NetSuite, Shopify, BigCommerce, and Magento. This ensures that all your transactions, from invoice to payment, are automatically synced and reconciled in your accounting system in real-time.

What kind of credit checks does Resolve perform for my buyers?

Resolve uses a proprietary blend of AI, traditional financial data, and behavioral signals to generate deep credit insights, going far beyond what a standard credit bureau report provides. Their experts, formerly of Amazon and PayPal, deliver these assessments, which can be initiated with just a customer's business name and address. They also offer "quiet" pre-approvals that don't require any interaction from your customer.

How quickly can my business receive payment with Resolve's advance pay options?

For approved invoices from your pre-approved customers, Resolve can advance you up to 100% of the invoice value within 24 hours. This rapid funding cycle is a game-changer for managing your own working capital and ensuring your business has the liquidity it needs to operate and grow.

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.