How B2B Companies Can Get Paid in 24 Hours While Offering 90-Day Terms

B2B companies face a cash flow problem that threatens their growth and operations. The average B2B invoice takes 65 days to get paid, creating significant gaps between delivery and payment that force businesses into difficult financing decisions.

Companies can now get paid within 24 hours while still offering customers flexible 90-day payment terms through fintech solutions that act as intermediaries, handling collections while advancing immediate payment to sellers. Fintechs are stepping in to support real-time digital payments by serving as a merchant's accounts receivable department, eliminating the traditional wait time for payment.

This solution transforms B2B payments by combining the best of both worlds - sellers receive immediate cash flow while buyers enjoy extended payment flexibility. The technology integrates with existing e-commerce platforms and ERPs, automates underwriting processes, and manages risk through sophisticated APIs that make the entire process seamless for both parties.

Key Takeaways

• B2B sellers can receive payment within 24 hours while offering buyers extended payment terms up to 90 days through fintech intermediaries
• Automated integration with e-commerce platforms and ERPs streamlines the entire payment process without disrupting existing workflows
• Fast buyer underwriting and risk management systems protect sellers while providing interest-free terms that enhance the customer experience

Instant Working Capital for B2B Sellers

B2B sellers can access immediate cash flow through invoice financing solutions that convert outstanding receivables into working capital within 24 hours. These structures eliminate credit risk while maintaining customer relationships and payment terms.

Advantages of Immediate Invoice Payments

Invoice financing enables businesses to access cash within 24 hours by converting accounts receivable into immediate working capital. This approach eliminates the typical 30 to 90-day wait for customer payments.

Sellers receive 80% to 90% of invoice value upfront. The remaining balance gets paid after customers settle their invoices, minus financing fees.

Cash flow becomes predictable and consistent. Companies no longer face delays from late-paying customers or extended payment deadlines.

Key benefits include:

• Immediate access to funds tied up in invoices
• Ability to take on larger orders without cash constraints
• Reduced dependency on traditional bank credit lines
• Faster response to growth opportunities

The financing cost typically ranges from 1% to 5% of invoice value. This expense often proves worthwhile when compared to missed opportunities or expensive emergency funding.

How Non-Recourse Structures Reduce Credit Risk

Non-recourse invoice financing transfers credit risk from sellers to financing providers. If customers fail to pay their invoices, sellers keep the advance payment without liability.

The financing company conducts credit checks on buyers before approving invoices. This process protects sellers from bad debt while maintaining their customer relationships.

Risk protection covers:

• Customer bankruptcy or insolvency
• Payment disputes beyond seller control
• Extended payment delays exceeding agreed terms

Sellers can offer longer payment terms to attract larger customers. The financing provider assumes responsibility for collecting payments and managing credit risk.

This structure particularly benefits companies selling to new customers or expanding into unfamiliar markets. Credit decisions happen quickly, often within hours of invoice submission.

Ensuring Cash Flow Without Traditional Bank Loans

Invoice financing provides working capital without adding debt to company balance sheets. Unlike traditional bank loans, approval depends on customer creditworthiness rather than seller financial history.

Companies avoid lengthy loan applications, collateral requirements, and personal guarantees. The accounts receivable serve as the primary security for financing.

Qualification requirements typically include:

• Minimum monthly revenue of $10,000 to $50,000
• B2B customer base with established payment history
• Clean invoices without liens or disputes

Funding scales automatically with sales volume. As invoice amounts increase, available working capital grows proportionally without additional approvals.

Early payment discounts become feasible when sellers receive immediate cash. Companies can offer 2/10 net 30 terms while maintaining positive cash flow from the invoice date forward.

This flexibility allows businesses to compete for larger contracts and improve working capital management without traditional banking constraints.

Seamless Integration With E-Commerce Platforms and ERPs

Modern payment solutions must connect directly with existing business systems to eliminate manual data entry and speed up transaction processing. The right integrations automate invoice generation, sync customer data, and reduce checkout friction across all sales channels.

Connecting to Major E-Commerce Carts

B2B companies using Shopify, Magento, or WooCommerce need payment solutions that integrate directly with their existing cart systems. These integrations automatically capture order details and customer information at checkout.

The connection eliminates duplicate data entry between the e-commerce platform and payment processing systems. Order amounts, customer details, and product information flow seamlessly from cart to payment processor.

Key integration benefits include:

• Automatic invoice creation from cart data
• Real-time payment status updates
• Synchronized customer payment histories
• Streamlined refund and return processing

Most enterprise-grade payment platforms offer pre-built connectors for major carts. These plugins typically require minimal technical setup and maintain connection stability through API updates.

Companies can offer multiple payment options including credit cards, ACH transfers, and extended payment terms without requiring customers to leave the familiar checkout environment.

Syncing With ERP Systems for Automated Workflows

B2B ecommerce ERP integration connects payment data directly with back-office systems like SAP, NetSuite, or Microsoft Dynamics. This connection ensures payment information flows automatically into financial records.

The integration eliminates manual invoice entry and reduces payment processing time from days to hours. When customers complete payments, the ERP system immediately updates accounts receivable and cash flow reports.

Critical workflow automations include:

• Automatic posting of payments to customer accounts
• Real-time updates to cash flow dashboards
• Instant credit limit adjustments after payments
• Synchronized payment deadline tracking across systems

Companies using accounting software like QuickBooks or Xero benefit from direct payment posting. This eliminates the monthly reconciliation work typically required for B2B payments.

The ERP connection also enables automatic approval workflows for extended payment terms based on customer credit profiles and payment histories.

Reducing Payment Friction at Checkout

Streamlined checkout processes increase payment completion rates and reduce abandoned transactions. B2B customers expect the same ease of payment they experience in consumer purchases.

Single-click payment methods eliminate the need for customers to re-enter payment information on repeat orders. Stored payment profiles securely maintain customer preferences for credit cards, ACH details, and preferred payment terms.

Friction reduction strategies include:

• One-page checkout with embedded payment options
• Mobile-optimized payment forms for field purchases
• Automatic tax and shipping calculations
• Guest checkout options for new customers

Invoicing software integration allows customers to view and pay multiple invoices simultaneously. This bulk payment capability reduces administrative time for both buyers and sellers.

Payment confirmation happens instantly, with automatic receipt generation and email notifications. Customers receive immediate confirmation of their payment status and updated account balances.

Fast and Flexible Buyer Underwriting

Modern B2B payment platforms use instant credit assessments to approve buyers within minutes while offering customized payment terms from net 15 to net 90 days. These systems evaluate creditworthiness without disrupting the purchase experience or requiring lengthy application processes.

Real-Time Credit Assessments for Business Buyers

B2B BNPL platforms help SaaS vendors complete buyer evaluations in under one minute using automated underwriting systems. These platforms analyze public business data, financial records, and proprietary risk algorithms without requiring buyers to submit additional paperwork.

The assessment process happens behind the scenes while buyers browse products or services. Companies receive instant approvals for payment terms ranging from net 10 to net 90 days based on their creditworthiness profile.

Key evaluation factors include:

• Business registration status
• Payment history with other vendors
• Industry risk level
• Annual revenue data
• Years in operation

This eliminates the traditional 24-48 hour approval window that often delays B2B transactions. Buyers can complete purchases immediately while sellers receive payment confirmation within the same business day.

Personalizing Payment Terms: 30, 60, and 90 Days

Payment platforms now offer multiple net payment terms during checkout based on each buyer's approved credit limit. Standard options include net 15, net 30, net 60, and net 90 payment periods that buyers can select according to their cash flow needs.

Higher creditworthiness scores unlock longer payment terms and higher credit limits. New businesses typically qualify for net 30 terms with lower limits, while established companies access net 90 options with expanded purchasing power.

Typical term structure:

• Net 15-30: New businesses, lower credit scores
• Net 60: Established companies with good payment history
• Net 90: Large enterprises with excellent creditworthiness

Some platforms allow flexible payment terms for B2B purchases that can extend existing net 30 agreements to net 90 for qualified buyers. This flexibility helps close larger deals while maintaining seller cash flow.

Extending Credit Without Impacting Buyer Experience

The credit extension process integrates directly into existing checkout flows without redirecting buyers to external approval pages. Approved payment terms appear automatically during the final purchase steps, similar to standard payment method selection.

Buyers enter basic company information that gets cross-referenced with business databases in real-time. The system displays available net terms immediately without credit checks that impact business credit scores.

Seamless integration features:

• No separate application forms
• Instant term availability display
• Multiple payment method options
• Automated contract generation

Pre-qualified buyers see extended payment periods as standard checkout options. This approach maintains the familiar purchase experience while providing the flexible payment terms that close more B2B deals without payment delays.

Automated Invoice Financing via API

API-based financing platforms execute credit assessments, funding decisions, and payment distributions within minutes rather than days. These systems process thousands of invoices simultaneously while maintaining separate data streams for buyers and sellers throughout each transaction.

Combining Credit Checks, Financing, and Payments

Modern financing APIs perform buyer credit evaluations in real-time during invoice submission. The system checks payment history, outstanding debts, and creditworthiness within 30-60 seconds of receiving invoice data.

Once approved, funds transfer automatically to the seller's account. Payment amounts typically range from 80-95% of invoice value, with exact percentages determined by buyer credit scores and invoice terms.

Automated Decision Factors:

• Buyer's payment history over past 12 months
• Current outstanding invoice amounts
• Industry-specific risk metrics
• Invoice amount relative to buyer's typical spending

The API handles three separate money movements: initial financing to seller, final payment collection from buyer, and remaining balance transfer to seller. Each transaction includes automated reconciliation and streamlined invoice financing with automated payments features.

Managing Bulk Invoices Efficiently

APIs process hundreds of invoices per minute through batch operations. Companies upload invoice files containing multiple transactions, and the system evaluates each one independently while maintaining processing speed.

Bulk Processing Capabilities:

• File formats: CSV, XML, JSON uploads
• Volume limits: 1,000+ invoices per batch
• Processing time: 2-5 minutes for 100 invoices
• Error handling: Individual invoice rejection without batch failure

The system flags unpaid invoices automatically when payment deadlines pass. Collections processes trigger without manual intervention, sending payment reminders to buyers and updating seller dashboards with current status.

Cash flow management becomes predictable because sellers receive funding confirmations within hours of invoice submission. B2B API integration automates payment workflows across multiple invoice batches simultaneously.

Securing Buyer and Seller Data

APIs maintain separate data environments for buyers and sellers throughout financing transactions. Buyer financial information remains invisible to sellers, while seller banking details stay protected from buyer access.

Data Protection Methods:

• Encrypted data transmission using TLS 1.3
• Separate database partitions for each party
• Limited API access based on user roles
• Automatic data deletion after transaction completion

The system stores payment history and credit information in isolated segments. Buyers cannot access seller profit margins or financing costs, while sellers cannot view buyer credit scores or financial statements.

Authentication requires multi-factor verification for both parties. API keys expire every 24 hours and regenerate automatically to prevent unauthorized access to financing data or payment information.

Risk Management and Next-Day Payments for Sellers

Modern B2B payment solutions eliminate credit risk from sellers' balance sheets while delivering immediate cash flow. These systems transfer payment responsibility to specialized financial institutions and process transactions within one business day.

Transferring Credit Risk Away From Businesses

Credit risk transfer removes the financial burden of buyer defaults from sellers completely. When businesses use non-recourse factoring or similar arrangements, they sell their invoices to financial institutions at the time of sale.

The buyer owes money to the financial provider instead of the original seller. This means sellers get paid immediately regardless of when buyers actually pay their invoices.

B2B credit risk management becomes the responsibility of specialized institutions with better tools for evaluation. These companies have access to extensive credit databases and risk assessment technology that most businesses cannot afford internally.

Key risk transfers include:

• Default risk moves to the financial provider
• Collection costs shift away from sellers
• Bad debt write-offs disappear from seller books
• Credit monitoring becomes automated

Trade credit decisions happen instantly using real-time data analysis. Sellers avoid the time and cost of building internal credit departments while maintaining competitive payment terms for buyers.

How Next-Business-Day Payments are Processed

Next-day payment systems use automated underwriting to approve transactions within seconds of order completion. Financial institutions evaluate buyer creditworthiness using proprietary algorithms and multiple data sources.

When a buyer places an order with extended terms, the system immediately assesses their ability to pay. Approved transactions trigger instant payment to the seller while creating a separate payment obligation for the buyer.

The process works through integrated APIs that connect directly to seller checkout systems. Payment flows follow this sequence:

1. Buyer completes purchase with 30-90 day terms
2. Credit assessment runs automatically in background
3. Approved buyers receive immediate order confirmation
4. Seller receives payment within 24 hours via ACH or wire
5. Buyer pays financial provider according to original terms

Risk exposure gets evaluated using business financial data, payment history, and industry benchmarks. The entire process requires no manual intervention from sellers once initial integration is complete.

Benefits of Non-Recourse Factoring in B2B Trade

Non-recourse factoring provides guaranteed payment protection that traditional invoice factoring cannot match. Sellers receive full payment even if buyers default completely on their obligations.

Cash flow becomes predictable since payment timing no longer depends on buyer behavior. Businesses can forecast revenue accurately and plan growth investments without worrying about collection delays.

Financial advantages include:

• Immediate liquidity from all B2B sales
• Zero credit exposure to customer defaults
• Reduced working capital requirements
• Lower administrative costs for collections

Risk management strategies become simplified when credit decisions move to external providers. Internal resources can focus on core business operations instead of credit analysis and debt collection.

Invoice factoring traditionally required sellers to buy back unpaid invoices. Non-recourse arrangements eliminate this requirement completely, providing true risk transfer that improves balance sheet strength and reduces contingent liabilities.

Enhancing Buyer Experience With Interest-Free Terms

Interest-free payment terms create a competitive advantage by removing financial barriers while maintaining strong cash flow. Companies can strengthen customer relationships and increase sales by offering payment flexibility without charging buyers additional fees.

White-Label Checkout and Payment Portal Options

White-label payment portals allow businesses to maintain their brand identity throughout the entire purchase process. These customized checkout experiences eliminate third-party branding and create seamless transitions from product selection to payment completion.

Modern B2B buyers expect digital-first purchasing experiences that match their company workflows. White-label solutions integrate directly into existing e-commerce platforms and ERP systems.

Key features include:

• Custom branding and logos
• Automated credit approvals
• Real-time spending limits
• Mobile-optimized interfaces

The checkout process becomes part of the seller's ecosystem rather than redirecting buyers to external payment processors. This approach builds trust and reduces cart abandonment rates during high-value B2B transactions.

Companies retain full control over buyer data and purchase analytics. This information helps improve buyer experience initiatives and customize future offerings based on purchasing patterns.

Driving Sales With Flexible Payment Choices

Flexible payment terms directly impact purchase decisions and order values. Buyers often delay purchases or choose smaller quantities when facing immediate payment requirements.

Interest-free terms remove these barriers without creating additional costs for buyers. Companies can offer 30, 60, or 90-day payment windows while receiving full payment within 24 hours through third-party financing partners.

Research shows businesses offering credit terms experience up to 20% increases in sales volume. The payment flexibility attracts new customers who previously couldn't afford large upfront investments.

Common payment options include:

• Net 30/60/90 terms
• Installment plans
• Seasonal payment schedules
• Project-based payment timing

Buyers can align payments with their own cash flow cycles and budget approval processes. This timing flexibility often determines whether prospects convert to customers or seek alternatives with better payment terms.

B2B buy now pay later solutions enable sellers to offer these terms without taking on credit risk or waiting for payments.

Boosting Buyer Loyalty Through Cash Flow Solutions

Customer relationships strengthen when sellers understand and address buyer cash flow challenges. Interest-free payment terms demonstrate partnership rather than transactional thinking.

Loyal customers place larger orders more frequently when payment timing aligns with their business cycles. This predictable revenue stream benefits both parties through improved planning and business relationships.

Companies offering payment flexibility see higher customer retention rates. Buyers develop preferences for suppliers who support their financial management needs rather than creating additional stress.

Loyalty benefits include:

• Increased order frequency
• Higher average order values
• Reduced price sensitivity
• Longer contract terms

Cash flow solutions become competitive differentiators in markets where products and services are similar. Buyers remember suppliers who helped during tight cash periods and reward them with continued business.

The relationship extends beyond individual transactions to strategic partnerships. Buyers view these suppliers as extensions of their own finance teams rather than external vendors demanding immediate payment.

Why Businesses Should Consider Resolve for B2B Payments

Resolve offers a complete solution that handles credit approval, payment processing, and collections while scaling with company growth. The platform eliminates the need for manual collection processes and complex factoring agreements that drain resources from core business operations.

Scalability and Simplicity for Growing Companies

Growing companies need payment solutions that expand with their business without adding complexity. Resolve provides automated credit checks that take minutes instead of days, allowing merchants to approve new customers quickly.

The platform integrates directly with existing accounting systems. This eliminates the need for manual data entry and reduces errors that slow down b2b transactions.

Key scaling benefits include:

• Instant credit decisions for new customers
• Automated invoice processing
• Real-time payment tracking
• Custom credit limits based on customer profiles

Small businesses often struggle with managing multiple payment terms and customer relationships. Resolve standardizes this process while maintaining flexibility for different customer needs.

The system grows from handling dozens to thousands of transactions without requiring additional staff. This gives business owners more time to focus on sales and customer service rather than payment administration.

B2b commerce becomes more efficient when payment processing happens automatically. Companies can offer competitive payment terms without worrying about cash flow gaps or collection issues.

Eliminating Manual Collections and Factoring Contracts

Manual collections consume significant time and resources for most companies. Business owners often spend hours each week chasing late payments instead of growing their business.

Resolve handles the entire collections process automatically. The platform sends payment reminders, follows up on overdue accounts, and manages customer communications professionally.

Traditional collection challenges:

• Staff time spent on phone calls and emails
• Inconsistent follow-up processes
• Damaged customer relationships from aggressive collection tactics
• High costs for outsourced collection agencies

Factoring contracts typically cost 2-5% of invoice value plus additional fees. These agreements also transfer customer relationships to third parties, reducing direct control over the payment experience.

Resolve eliminates factoring needs by providing immediate payment to merchants while managing customer collections internally. This preserves customer relationships and reduces overall costs compared to traditional factoring arrangements.

The platform maintains professional communication standards that protect business relationships. Customers receive polite reminders and flexible payment options rather than aggressive collection calls.

Encouragement to Explore Resolve for B2B Transactions

Companies ready to modernize their payment processes should evaluate how Resolve streamlines B2B payments compared to traditional methods. The platform offers a competitive advantage by enabling faster customer approval and improved cash flow management.

Resolve provides transparent pricing without hidden fees or long-term contracts. Business owners can start with small transaction volumes and scale up as their needs grow.

The implementation process typically takes less than two weeks. Companies can begin offering extended payment terms to customers while receiving immediate payment for their invoices.

Modern B2B payment solutions help businesses reduce administrative overhead while improving customer satisfaction. Resolve combines these benefits with credit protection and automated collections.

Implementation benefits:

• Quick setup process
• No upfront costs or equipment requirements
• Dedicated customer support team
• Integration with popular accounting software

Companies using Resolve report faster customer acquisition and higher average order values. The ability to offer 90-day terms while receiving payment in 24 hours creates significant cash flow improvements for growing businesses.

Frequently Asked Questions

Companies implementing rapid payment solutions while offering extended terms face common challenges around technology integration, financing options, and customer retention strategies. These solutions typically involve payment automation tools, factoring services, and strategic payment incentives.

What strategies can B2B companies employ to facilitate rapid payment processing?

Companies can automate payment reminders to reduce manual work and speed up collections. Setting up automatic email sequences helps prevent payment delays before they start.

Card payments offer the fastest collection times. Businesses that use cards for over 40% of transactions see median payment delays of just 1 day.

Digital payment platforms eliminate check processing time. ACH transfers and wire transfers process faster than traditional paper methods.

Clear payment terms reduce confusion and disputes. Companies should specify exact due dates and accepted payment methods on every invoice.

Early payment discounts motivate faster payments. Offering 2-3% discounts for payments within 10 days often works well.

Are there specific financing solutions tailored for B2B transactions that offer quick payouts?

Invoice factoring provides immediate cash for outstanding invoices. Companies sell their invoices to factoring companies at a discount for instant payment.

Asset-based lending uses accounts receivable as collateral. This gives businesses access to credit lines based on their invoice amounts.

Supply chain financing helps buyers extend terms while suppliers get paid quickly. Third-party financiers pay suppliers immediately and collect from buyers later.

Trade credit insurance protects against customer defaults. This reduces risk when offering longer payment terms to new customers.

Revenue-based financing provides upfront capital based on future sales. Companies repay based on monthly revenue percentages rather than fixed payments.

How can B2B businesses leverage technology to shorten the payment cycle effectively?

Automated invoicing systems send bills immediately after delivery. This eliminates delays from manual invoice creation and mailing.

Payment portals let customers pay online instantly. Companies should include direct payment links in every invoice and reminder.

Mobile payment apps enable payments from anywhere. Customers can pay invoices directly from their phones without logging into computers.

Electronic signatures speed up contract approvals. Digital contract signing eliminates mailing delays and speeds up the entire sales process.

AI-powered payment prediction identifies which customers will pay late. This helps companies focus collection efforts on high-risk accounts.

What role do third-party payment services play in expedited payment for B2B companies?

Payment processors handle transaction security and compliance. They manage PCI compliance requirements and fraud protection automatically.

Merchant services enable credit card acceptance for B2B transactions. This gives customers more payment options and speeds up collections.

Payment gateways integrate with existing accounting systems. They automatically update records when payments arrive, reducing manual data entry.

Digital wallet services offer instant payment options. Customers can pay through platforms like PayPal or Stripe without entering card details repeatedly.

Cross-border payment services handle international transactions. They manage currency conversion and international banking requirements automatically.

How can offering extended payment terms attract customers without affecting cash flow?

Dynamic discounting programs reward early payments with sliding discounts. Customers who pay in 10 days get larger discounts than those paying in 30 days.

Tiered payment schedules break large invoices into smaller amounts. This makes payments more manageable for customers while improving cash flow timing.

Flexible payment plans accommodate customer cash flow cycles. Companies can align payment dates with customer revenue patterns or budget cycles.

Progress billing collects partial payments throughout project completion. This maintains steady cash flow instead of waiting for final project delivery.

Retention financing covers the gap between extended terms and immediate needs. Companies can use their extended payment contracts to secure financing.

Can B2B companies use Buy Now, Pay Later (BNPL) systems to their advantage, and if so, how?

B2B BNPL platforms handle the credit risk and payment processing. Companies get paid immediately while customers receive extended payment terms automatically.

Split payment options let customers divide large purchases across multiple payment dates. This makes expensive equipment or services more accessible to buyers.

Embedded financing integrates payment options directly into sales processes. Customers can choose payment terms during checkout without separate applications.

White-label BNPL solutions maintain company branding throughout the payment process. Businesses can offer financing without directing customers to third-party platforms.

Credit assessment tools evaluate customer eligibility instantly. This helps companies collect payments more reliably while offering flexible terms to qualified buyers.

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.