Best B2B BNPL Platforms for Safety Equipment & PPE Distributors

Most B2B buyers prefer paying by invoice, but many safety equipment and PPE distributors can’t offer net terms without straining cash flow. The problem is amplified by highly variable order sizes (from small first aid kits to bulk industrial PPE), seasonal spikes influenced by workplace safety requirements and compliance cycles see workplace safety regulations, and a wide mix of customers—from small contractors to large enterprises with complex procurement. As a result, many distributors can’t extend net terms broadly without tying up working capital or taking on bad-debt exposure, creating a competitive gap as buyers expect flexibility. Extended terms can improve conversion and average order value, depending on buyer mix and purchasing workflow. B2B BNPL solves this by paying distributors upfront while offering buyers net terms, with protections and integrations tailored to PPE distribution.

Key Takeaways

• Non-recourse financing is critical for PPE distributors handling variable order sizes and new customer relationships—platforms offering true non-recourse protection eliminate all merchant liability for buyer defaults
• AI-powered credit decisions now enable 24-hour approvals, essential for safety equipment distributors facing urgent procurement needs tied to workplace safety compliance
• Integration capabilities with distributor tech stacks (QuickBooks, NetSuite, e-commerce platforms) determine implementation success and ongoing operational efficiency
• Immediate cash advances of up to 100% on approved invoices solve the working capital challenges inherent in 60-90 day payment cycles common in B2B safety equipment sales
• White-label payment portals maintain your brand relationship with customers while the platform manages payment processing and collections
• Resolve Pay's comprehensive platform addresses all critical distributor needs: 100% non-recourse financing, AI-powered underwriting, distributor-specific features, and seamless ERP integration

1. Resolve Pay – 100% Non-Recourse Financing for Distributors

Resolve Pay has emerged as the leading B2B BNPL platform specifically designed for distributors like those in the safety equipment and PPE sector. Founded by former executives from Affirm, PayPal, and Amazon, Resolve addresses the critical pain point that plagues distributors: offering credit terms while protecting cash flow and eliminating bad debt risk.

Best For

Safety equipment distributors of all sizes who need to eliminate credit risk while offering competitive net terms to customers, from small regional PPE suppliers to national safety equipment wholesalers.

Key Features

• 100% non-recourse financing – you assume zero liability if buyers default, with all cash advances being yours to keep permanently regardless of buyer payment outcomes
• AI-powered credit decisions within 24 hours using proprietary models that evaluate thousands of buyer data points beyond traditional credit bureaus, enabling faster approvals for urgent safety equipment orders
• Up to 100% advance on approved invoices within 24 hours, ensuring immediate cash flow regardless of buyer payment terms (net 30, 60, or 90 days)
• Free business credit checks requiring only company name and address, with results delivered within 24 business hours to help you evaluate new customer relationships
• White-label payment portal that maintains your brand relationship with customers while accepting ACH, credit card, wire, or check payments seamlessly
• Comprehensive AR automation including automated payment reminders, collections management, and cash application that reduces manual reconciliation work

Relevance to Safety Equipment & PPE Distribution

Resolve Pay's non-recourse structure is particularly valuable for PPE distributors handling variable order sizes and establishing relationships with new customers. When a contractor places their first bulk order for fall protection equipment or a facility manager urgently needs respiratory PPE for compliance requirements, distributors can confidently approve the sale knowing they'll receive immediate payment without assuming credit risk.

The platform's AI-driven underwriting protects against the 8% average bad debt rate that plagues B2B businesses, while the immediate advance payment solves cash flow challenges inherent in 60-90 day payment cycles. For safety equipment distributors managing inventory costs, supplier payments, and operational expenses, receiving up to 100% of invoice value within 24 hours transforms financial planning.

The non-recourse nature of Resolve's financing means safety equipment distributors can confidently offer competitive payment terms to grow their customer base without worrying about default risk. This is particularly valuable when competing against larger distributors who may have more financial resources to extend credit terms.

Integration

Native integrations with QuickBooks, NetSuite, Shopify, BigCommerce, Magento, and WooCommerce, plus flexible APIs for custom implementations with specialized distributor management systems.

Why Safety Equipment Distributors Choose Resolve

The platform's combination of 100% non-recourse financing and immediate payment addresses the core tension distributors face—growing sales through net terms while protecting cash flow. As noted in industry analysis, non-recourse financing is becoming the standard for B2B BNPL, and Resolve Pay is part of a broader shift toward non-recourse net-terms programs.

Safety equipment distributors using Resolve Pay can focus on core business activities—sourcing quality PPE products, building customer relationships, and expanding market reach—rather than managing credit risk, pursuing collections, or navigating complex factoring arrangements. The white-label payment portal ensures customers interact with your brand throughout the payment process, maintaining relationship strength while Resolve handles the financial mechanics.

For distributors serving industries with strict safety compliance requirements, the ability to quickly approve orders and ship urgently needed safety equipment can be the difference between winning and losing business. Resolve Pay's 24-hour credit decisions and immediate funding enable this responsiveness without financial risk.

2. Credit Key

Credit Key offers a B2B BNPL solution with patented technology designed for mid-market distributors. The platform has demonstrated success in the equipment and supply sector, with case studies showing applicability to equipment financing scenarios.

Best For

Growing PPE distributors with established e-commerce operations seeking fast implementation and proven technology.

Key Features

• Instant credit decisions with credit limits up to $50,000 for qualified buyers
• Extended payment terms including 30, 60, 90 days plus options up to 12 months for larger orders
• Merchants paid within 48 hours with risk elimination on approved transactions
• Integration with major e-commerce platforms including Shopify, Magento, WooCommerce, and BigCommerce

Integration

Native plugins for Shopify, Magento, WooCommerce, and BigCommerce, plus API access for custom implementations.

Why Safety Equipment Distributors Choose Credit Key

The platform's instant approval capability makes it suitable for distributors needing to quickly implement BNPL without extensive technical resources. The extended 12-month terms can be beneficial for larger PPE orders, such as comprehensive safety equipment packages for industrial facilities or government contracts. Merchants using the platform have reported increased average order values compared to traditional payment terms.

3. Capchase

Capchase provides B2B BNPL solutions as reflected in G2 Grid reports. While originally focused on SaaS companies, Capchase has expanded to serve subscription-based and service-oriented business models.

Best For

Large safety equipment distributors with subscription or service-based revenue models, particularly those serving enterprise customers.

Key Features

• Flexible payment schedules with upfront Annual Contract Value (ACV) collection
• Risk management that removes collection burdens from vendors
• Integration with CPQ, CRM, and invoicing software
• Cash flow optimization while reducing buying friction for customers

Integration

CPQ, CRM, and invoicing software integrations, plus API access for custom implementations.

Why Safety Equipment Distributors Choose Capchase

The enterprise-grade infrastructure provides reliability that's valuable when serving large industrial customers who demand proven payment partners. The platform's focus on removing collection burdens is particularly valuable for distributors managing complex accounts receivable processes. The specialization in upfront ACV collection benefits distributors with service or subscription components to their safety equipment offerings.

4. TreviPay

TreviPay brings decades of B2B credit expertise to the safety equipment distribution sector, with a global network spanning 32 countries. The platform's trade credit experience makes it relevant for distributors with international operations or complex supply chains.

Best For

Large safety equipment distributors with international operations, complex supply chains, or enterprise manufacturing customers.

Key Features

• 45+ years of B2B credit expertise since founding in 1978
• Global B2B payment network spanning 32 countries with compliance management
• Enterprise-grade accounts receivable automation and collections management
• Fraud and risk management systems
• Order-to-cash process solutions for complex supply chains

Integration

ERP systems and enterprise accounting platforms, plus custom integration capabilities.

Why Safety Equipment Distributors Choose TreviPay

The platform's track record and global network provide stability and compliance infrastructure for international safety equipment distribution. Enterprise customers often work with established providers with proven global capabilities. The comprehensive approach to the entire order-to-cash process addresses the complex payment workflows common in international safety equipment distribution.

5. Balance

Balance specifically targets distributors and B2B supply chain participants, making it relevant for safety equipment and PPE wholesalers. Founded in 2020, Balance brings modern technology to the traditional distribution model.

Best For

Mid-market safety equipment distributors seeking modern, distributor-specific BNPL technology with quick implementation.

Key Features

• Distributor-focused platform designed specifically for B2B supply chain participants
• B2B payment lifecycle management from credit approval to collections
• Marketplace operating systems for B2B supply chain integration
• Embedded finance capabilities for customer experiences
• Modern fintech approach with rapid implementation timelines

Integration

Marketplace platforms and B2B supply chain systems, plus API access for custom implementations.

Why Safety Equipment Distributors Choose Balance

The platform's focus on distributors as a specific vertical means it addresses operational challenges of PPE distribution, including variable order sizes, seasonal demand patterns, and the need to maintain customer relationships while managing credit risk. The modern technology approach enables quicker implementation compared to legacy platforms.

6. Two

Two brings institutional credibility to B2B BNPL through strategic partnerships with Banco Santander and Allianz Insurance. Originally founded in Norway, Two has expanded across Europe with banking and insurance backing.

Best For

Safety equipment distributors with significant European operations or customers requiring institutional-grade payment solutions.

Key Features

• Banking partnership with Santander providing institutional financing credibility
• Allianz insurance coverage against non-payment risk
• European presence with operations in UK, Sweden, and Norway
• Deferred payment terms for B2B e-commerce transactions
• Institutional-grade risk management through insurance partnerships

Integration

E-commerce platforms with European market focus, plus API access for custom implementations.

Why Safety Equipment Distributors Choose Two

The banking and insurance partnerships provide institutional credibility that's valuable when serving European industrial customers who may prefer established financial institutions. The Allianz insurance coverage against non-payment risk provides an additional layer of protection. For distributors with European operations, the regional focus and regulatory compliance capabilities are relevant considerations.

7. Slope

Slope offers an embedded credit approach that integrates financing directly into existing business systems. The platform's flexibility across business sectors makes it adaptable to various distribution needs.

Best For

Safety equipment distributors seeking embedded financing capabilities within existing systems and modern fintech approaches.

Key Features

• Embedded credit solutions that integrate directly into existing business workflows
• Flexible financing solutions adaptable across various business sectors
• Modern fintech technology with implementation capabilities
• Cross-sector applicability in B2B markets
• Business cash advance services alongside traditional BNPL offerings

Integration

Embedded finance solutions with flexible API access for custom implementations.

Why Safety Equipment Distributors Choose Slope

The embedded approach allows distributors to offer financing within existing customer experiences, maintaining brand relationships while providing flexible payment options. The platform's modern technology stack enables implementation without extensive technical resources. For distributors wanting to minimize disruption to established workflows, the embedded approach provides integration flexibility.

8. Billie

Billie brings machine learning to B2B BNPL with a European presence. Founded in Berlin in 2017, Billie specializes in e-commerce platform integration with risk assessment capabilities.

Best For

Safety equipment distributors with significant European operations or e-commerce focus requiring advanced risk assessment.

Key Features

• Machine learning-powered risk assessment for credit decisions
• European presence with German FinTech regulatory compliance
• E-commerce platform integration for checkout experiences
• Credit algorithms that adapt to changing market conditions
• Cross-border payment capabilities for European operations

Integration

E-commerce platform plugins and European payment infrastructure, plus API access for custom implementations.

Why Safety Equipment Distributors Choose Billie

The ML-powered risk assessment can provide credit decisions for the variable order patterns common in PPE distribution, where traditional credit models may face challenges assessing risk for both small first aid orders and large industrial safety packages. The European focus serves distributors with international operations in that region.

Why Resolve Pay Stands Out for Safety Equipment Distributors

Resolve Pay is a B2B BNPL platform built for safety equipment and PPE distributors who need to keep inventory ready, respond fast to urgent compliance orders, and protect cash flow while offering competitive terms. Its 100% non-recourse financing helps eliminate credit risk—distributors can advance up to 100% of invoice value within 24 hours with no liability if a buyer defaults—making it easier to grow without tying up working capital. With AI-powered underwriting and decisions within 24 hours, distributors can confidently approve and ship time-sensitive orders (like OSHA-driven fall protection or healthcare PPE) using Resolve’s net terms platform.

Beyond financing, Resolve Pay also streamlines back-office work through accounts receivable automation, reducing the effort of collections, payment processing, and cash application. Its white-label payment portal keeps the customer experience under your brand, helping preserve relationships, and it connects smoothly with existing systems via integrations like QuickBooks, NetSuite, and major e-commerce platforms. As safety demand rises with greater workplace safety awareness and changing regulations, Resolve Pay positions distributors with faster cash access, less operational friction, and stronger protection against credit risk.

Frequently Asked Questions

What are the primary benefits of B2B BNPL for safety equipment distributors?

B2B BNPL enables safety equipment distributors to offer net terms while maintaining healthy cash flow. The primary benefits include immediate payment on approved invoices (typically within 24-48 hours), elimination of bad debt risk through non-recourse financing, increased sales conversion rates, and larger order sizes as buyers gain access to immediate credit. For PPE distributors specifically, BNPL addresses the challenge of serving customers with urgent safety equipment needs who may not have immediate payment capability. By receiving instant funding while buyers use extended terms, distributors can maintain inventory levels, meet supplier obligations, and invest in growth without the cash flow constraints typical of traditional net terms arrangements.

How does B2B BNPL help manage the risk associated with offering credit terms?

Modern B2B BNPL platforms use sophisticated risk management approaches including AI-powered credit decisions that evaluate thousands of data points beyond traditional credit bureaus, non-recourse financing structures that eliminate merchant liability for buyer defaults, and comprehensive fraud prevention systems. Platforms offering non-recourse financing allow distributors to offer competitive net terms without financial risk—if a buyer defaults, the distributor retains the advance payment received and assumes no collection responsibility. This addresses the significant bad debt exposure that affects B2B businesses, allowing distributors to offer competitive net terms confidently.

Can B2B BNPL platforms integrate with existing accounting and e-commerce systems?

Yes, leading B2B BNPL platforms offer comprehensive integration capabilities with distributor tech stacks. Resolve Pay, for example, integrates natively with QuickBooks, NetSuite, Shopify, BigCommerce, Magento, and WooCommerce. Other platforms offer plugins for major e-commerce platforms or integrate with ERP systems. These integrations ensure seamless data flow between payment, accounting, and e-commerce systems, reducing manual overhead and ensuring accurate financial reporting. The integration capabilities are critical for successful BNPL implementation in distribution environments where system connectivity directly impacts operational efficiency.

How quickly can a distributor receive payment through a B2B BNPL platform?

Payment timing varies by platform but generally ranges from immediate to 48 hours. Resolve Pay advances up to 100% of invoice value within 24 hours, while other platforms typically pay merchants within 24-48 hours. This immediate payment capability addresses the core cash flow challenge distributors face with traditional 60-90 day payment cycles, enabling them to maintain healthy working capital while offering competitive net terms to customers. The rapid payment timeline is essential for distributors managing inventory purchases, payroll, and other operational expenses that can't wait for customer payment cycles to complete.

What should safety equipment distributors look for when selecting a B2B BNPL platform?

Safety equipment distributors should prioritize platforms offering non-recourse financing to eliminate credit risk, rapid credit decisions (ideally 24 hours or less) to support urgent procurement needs common in safety equipment, high advance rates (up to 100% of invoice value) for maximum cash flow benefit, and seamless integration with existing accounting and e-commerce systems to minimize implementation disruption. Additionally, consider white-label capabilities that maintain your brand relationship with customers, comprehensive AR automation to reduce operational burden, and pricing structures that align with your transaction patterns and average order values. The platform should understand distributor-specific needs including variable order sizes, seasonal demand patterns, and the relationship-focused nature of B2B safety equipment sales.

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.