Restaurant and foodservice equipment distributors face unique financial challenges: high-ticket transactions ranging from $10,000 to $500,000 for commercial kitchen buildouts, seasonal cash flow constraints from restaurant clients, and the competitive necessity to offer flexible net terms while maintaining healthy working capital. B2B Buy Now, Pay Later (BNPL) platforms have emerged as essential solutions, enabling distributors to offer Net 30-90 payment terms while getting paid upfront. For distributors seeking to streamline accounts receivable processes while enhancing customer purchasing power, exploring integrated solutions like Resolve's B2B Net Terms platform can transform cash flow management.
Resolve Pay addresses the critical pain point facing restaurant equipment distributors: the risk of catastrophic losses from single customer defaults on high-ticket equipment sales. Offering 100% non-recourse financing on approved, non-disputed invoices, Resolve eliminates merchant liability while providing immediate working capital.
For restaurant equipment distributors where individual transactions frequently exceed $100,000, the non-recourse model provides essential risk protection. Traditional financing arrangements leave distributors exposed to devastating losses if a restaurant client defaults after receiving expensive commercial kitchen equipment. Resolve's approach fundamentally changes this dynamic—once an invoice is approved and funded, distributors keep 100% of the advance even if the customer never pays.
Equipment distributors prioritizing risk elimination and guaranteed payment on high-value transactions
The platform's integration with Accounts Receivable automation streamlines the entire workflow from credit approval through payment reconciliation. This comprehensive approach reduces Days Sales Outstanding (DSO) while enhancing buyer purchasing power, creating a win-win scenario for distributors and their restaurant clients.
Resolve Pay's Smart Credit Engine evaluates buyer creditworthiness using proprietary data sources and machine learning algorithms that assess risk more accurately than traditional credit bureau scores alone. This results in higher approval rates for qualified restaurant buyers while maintaining low default rates through sophisticated risk modeling.
Equipment distributors using Resolve achieve substantial business improvements. Tern Bicycles demonstrated a 30-40% increase in average order value while doubling buyer purchasing power. Archipelago Lighting tripled their revenue using Resolve's platform, showcasing the transformative impact on business growth.
The platform's B2B Payments solution specifically addresses restaurant equipment distributor needs with support for Net 30-90 terms, flexible advance rates based on risk assessment, and seamless integration with accounting systems. The white-label approach ensures your customers maintain their relationship with your brand while Resolve manages the complex financial operations in the background.
According to Harvard Business Review research, increasing customer retention rates by just 5% can increase profits by 25% to 95%. Resolve's combination of non-recourse protection and flexible payment terms enables distributors to offer competitive terms that drive customer loyalty without exposing the business to unacceptable financial risk.
Credit Key has established capabilities in restaurant and foodservice equipment financing, with solutions designed for commercial kitchen equipment transactions. Distributors seeking restaurant industry expertise and AOV improvement
Credit Key's industry focus enables credit decisions aligned with restaurant cash flow cycles and equipment financing needs. The platform's understanding of foodservice business dynamics supports appropriate credit assessments for qualified buyers.
Credit Key has delivered substantial improvements for foodservice equipment distributors. Major retailers in the restaurant supply space have achieved significant average order value increases and order value improvements using the platform's financing capabilities. Trusted by major brands including Samsung and Newegg Business, Credit Key's foodservice expertise makes it a compelling choice for equipment distributors serving this vertical.
Capchase brings third-party validation to the B2B BNPL space. The platform's acquisition of Vartana in June 2025 significantly expanded its capabilities beyond SaaS to include enterprise equipment financing.
Distributors seeking independently validated platform reliability and long-term financing options
The Vartana acquisition brings enterprise-grade equipment financing capabilities that benefit restaurant equipment distributors. The platform's technology-driven approach and third-party validation provide confidence in long-term platform viability.
Vartana demonstrated substantial year-over-year growth before its acquisition by Capchase, indicating strong market demand for its technology.
TreviPay leverages 45+ years of B2B payments experience to deliver enterprise-grade reliability for multi-national restaurant chains and large equipment distributors. The platform's global reach and proven track record make it suitable for complex international transactions. Multi-location restaurant chains and international equipment distributors requiring enterprise-grade solutions
TreviPay's enterprise focus and global capabilities address the needs of large restaurant chains with international operations. The platform's acquisition of Apruve in 2022 strengthened its marketplace capabilities, while partnerships with major brands demonstrate its reliability.
TreviPay clients achieve substantial improvements in DSO reduction, average order value increases, and invoice error reduction through the platform's enterprise-grade capabilities.
Trusted by major global brands including GM, Best Buy, and Air Canada, TreviPay processes significant volumes in global trade annually.
Billie dominates the European B2B BNPL market with substantial credit limits, making it valuable for large restaurant buildouts and European restaurant chains. Founded in Berlin in 2016, the platform has established itself as a leading solution for European business buyers.
European restaurant chains and distributors requiring high credit limits and extended payment terms
Billie's substantial credit limits and extended payment terms directly address restaurant industry needs, where commercial kitchen equipment purchases often exceed $50,000. The platform's European focus makes it valuable for distributors serving European markets.
Billie serves 750,000+ business buyers and has processed 2.2 million orders across Germany, Austria, Sweden, Netherlands, France, UK, and Switzerland. Trusted by major brands including Samsung and Contorion, demonstrating strong presence in European B2B payments.
Balance focuses on serving small and medium-sized restaurant businesses. The platform's AI-powered risk assessment enables approval rates for SMB restaurant owners. Distributors serving small independent restaurants and SMB foodservice businesses
Balance's focus on SMB accessibility addresses restaurant equipment financing needs for independent restaurant owners. The AI-driven approach expands access to financing for these businesses.
The Instacart Business partnership demonstrates Balance's foodservice and grocery expertise, while the Alibaba.com partnership expands cross-border trade capabilities.
Balance specifically targets SMB restaurant segments, expanding the potential customer base for equipment distributors.
Two delivers fast credit decisions in the B2B BNPL industry, with sub-2-second approvals powered by its Delphi AI engine. This speed is valuable for restaurant equipment showrooms where buyers expect immediate approval decisions. Equipment distributors requiring instant showroom and point-of-sale credit decisions
Two's speed advantage is particularly valuable in restaurant equipment showrooms and point-of-sale environments, where buyers expect immediate financing decisions. The platform's acceptance rate addresses the restaurant industry's unique credit challenges.
The Frida AI fraud engine provides critical protection for high-ticket equipment sales, having prevented substantial fraud losses.
Two serves 500+ merchants and 100,000+ purchasing companies, with building materials vertical expertise that transfers well to heavy equipment distribution.
BlueCart uniquely combines BNPL capabilities with a marketplace of 47,000+ transacting restaurants. This dual approach provides equipment distributors with both payment flexibility and access to qualified buyers. Distributors seeking both BNPL capabilities and marketplace distribution channels
BlueCart's marketplace model addresses buyer acquisition challenges for equipment distributors. By combining BNPL with a ready-made restaurant buyer network, the platform provides market access alongside payment flexibility.
BlueCart has processed over $2 billion in transaction volume and serves 100,000+ businesses, establishing itself as a substantial wholesale marketplace in food and beverage.
The platform's foodservice-specific features and restaurant buyer network position it to serve equipment distributors in this vertical.
Selecting the optimal B2B BNPL platform requires careful evaluation of your specific business needs, risk tolerance, and growth objectives. For restaurant equipment distributors handling high-ticket transactions where single defaults could significantly impact financial stability, non-recourse financing becomes a critical business protection rather than merely a nice-to-have feature.
Resolve Pay stands apart by offering a 100% non-recourse financing model on approved, non-disputed invoices, fundamentally changing the risk equation for equipment distributors. When you advance $150,000 for a commercial kitchen buildout, Resolve's non-recourse protection ensures you keep those funds even if your customer defaults—eliminating the existential risk that traditional financing arrangements create. Research from Bain & Company demonstrates that customer acquisition costs 5-25 times more than retention, making Resolve's ability to offer competitive Net 30-90 terms while maintaining cash flow a powerful competitive advantage.
The platform's 24-hour funding with up to 100% advance rates transforms working capital management, enabling distributors to immediately reinvest in inventory and operations rather than waiting 30-90 days for customer payments. The integration platform seamlessly connects with existing accounting systems, ERPs, and ecommerce platforms, eliminating manual data entry and reducing administrative overhead. According to McKinsey research, companies using advanced automation and integration generate substantially more revenue than those relying on manual processes.
For distributors ready to eliminate default risk while offering competitive payment terms that drive customer loyalty and repeat business, Resolve Pay delivers the complete solution. The white-label approach maintains your brand relationships while Resolve handles the complex financial operations, credit risk assessment, and collections management—allowing you to focus on what you do best: serving restaurant and foodservice clients with exceptional equipment and service.
B2B BNPL platforms like Resolve Pay offer non-recourse financing, meaning distributors keep funds even if customers default on approved invoices. Traditional business credit typically requires distributors to bear full risk. BNPL platforms also provide faster approval processes (sub-2-second to 24 hours) compared to traditional credit that can take weeks, and they integrate directly with existing ecommerce and accounting systems for seamless operations.
B2B BNPL platforms typically charge transaction fees ranging from 2-5% depending on risk assessment, advance rates, and payment terms. Resolve Pay offers competitive pricing with non-recourse protection. Most platforms provide custom pricing based on transaction volume, average invoice size, and risk profile rather than standard published rates.
Yes, B2B BNPL platforms significantly reduce DSO by providing immediate or 24-hour funding on approved invoices while customers maintain their Net 30-90 payment terms. Leading platforms achieve substantial DSO reduction, while Resolve's non-recourse model ensures immediate cash conversion without bearing collection risk.
Reputable B2B BNPL platforms maintain strict confidentiality of customer credit information. Resolve's credit assessment uses proprietary financial databases and algorithms with quiet pre-approval checks that don't require customer interaction. Most platforms adhere to standard data privacy regulations and only share necessary information for transaction processing.
Essential integrations include accounting software (QuickBooks, NetSuite, Xero), ecommerce platforms (Shopify, Magento, WooCommerce), and ERP systems. Resolve's integration platform supports seamless connections with leading systems, ensuring automatic data syncing, real-time reconciliation, and elimination of manual data entry errors. Look for platforms offering both pre-built integrations and flexible APIs for custom implementations.
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.