The food processing equipment manufacturing industry faces distinct financial hurdles that demand specialized payment solutions. With 55% of all B2B invoiced sales in the U.S. currently overdue, manufacturers of industrial mixers, processing lines, and packaging equipment are particularly vulnerable when extending 30-90 day terms on high-ticket transactions ranging from $50,000 to $500,000+. These businesses require platforms that can facilitate flexible net terms to close competitive deals while simultaneously protecting cash flow and eliminating credit risk. For manufacturers seeking to streamline their financial operations, Resolve's B2B Net Terms platform provides a comprehensive solution designed for these specific industry challenges, enabling them to offer "Buy now, pay later" while getting paid upfront.
Resolve Pay offers food processing equipment manufacturers a unique advantage: 100% non-recourse financing that eliminates credit risk while providing instant approvals and 24-hour funding. Unlike traditional factoring or payment processors, Resolve takes on the credit assessment, credit decision, and majority risk of late payments or defaults, allowing manufacturers to offer net terms without jeopardizing their cash flow. This is critical in an industry where a single default on a $200,000 industrial mixer can significantly impact a business.
Food processing equipment manufacturers who need to offer competitive net terms without credit risk, with instant approvals supporting high-value B2B transactions.
Resolve's platform is particularly valuable for manufacturers who must extend credit to food producers, distributors, and restaurants while maintaining healthy cash flow. The platform's ability to advance up to 100% of invoice value within one day directly addresses the industry's extended payment cycle challenges, which are often tied to seasonal production cycles. With a significant portion of food equipment B2B sales made on credit to facilitate large capital purchases, having a solution that manages the entire credit-to-cash lifecycle is essential.
The non-recourse nature of Resolve's financing means manufacturers can confidently offer competitive payment terms to win new business and grow their customer base without worrying about default risk. This is especially critical in a competitive market where offering flexible terms is often the deciding factor for a food processor investing in a new production line.
"Resolve has positively impacted our cash flow. Their advance on each invoice we submit has translated into quicker receivables, directly contributing to healthier cash flow management," shared a satisfied client.
Resolve's AI-powered underwriting provides instant credit approvals compared to the multi-day processes typical of traditional methods, enabling manufacturers to respond quickly to customer orders. The platform's automated collections management reduces the administrative burden on AR teams while maintaining professional customer relationships through a branded payment portal.
TreviPay brings over 40 years of B2B payments experience with a proven track record among Fortune 500 companies. Their platform is a fully managed service, not just software, offering end-to-end AR management with a focus on DSO (Days Sales Outstanding) reduction.
Large food processing equipment manufacturers and distributors with enterprise-scale needs and complex international operations.
For large manufacturers selling complete processing lines internationally, TreviPay's global infrastructure and managed service model address operational complexity. Their experience with manufacturing payment processes means they understand the nuances of high-ticket, multi-component equipment sales. Their managed service approach can reduce the operational overhead of managing AR internally.
Versapay is designed for manufacturers, with features built to handle the complexities of high-ticket orders, legacy ERPs, and extended credit terms common in the food equipment space. Their unified platform combines invoicing, collections, cash application, and payments into a single system, eliminating the need for multiple AR tools.
Mid-market to enterprise food processing equipment manufacturers who want a unified AR automation platform with manufacturing-specific features.
Versapay's focus on eliminating tool sprawl benefits food equipment manufacturers who often struggle with disjointed systems for invoicing, collections, and payment processing. Their platform is designed to handle the specific billing complexities of equipment sales, such as progress billing for large installations or managing service contract renewals alongside new equipment orders.
Billtrust offers a comprehensive approach to B2B payment processing. Their platform excels at optimizing payment acceptance and reducing processing costs. Features like the Digital Lockbox for virtual card processing and robust support for multiple payment methods (EFT, credit cards, virtual cards, SEPA) make them a consideration for businesses looking to modernize their payment acceptance.
Food processing equipment manufacturers prioritizing payment flexibility, cost optimization, and high-volume transaction processing.
In the B2B food equipment space, buyers increasingly use corporate and virtual cards for large purchases. Billtrust's Digital Lockbox automates the process of accepting and reconciling these payments, while their fee optimization strategies can reduce the cost of processing high-value transactions. This focus on the payment acceptance side complements financing platforms like Resolve.
American Express leverages its universal brand recognition and trust to facilitate high-value B2B transactions. Their corporate card programs are a preferred payment method for many Fortune 500 purchasing departments. For sellers, accepting AmEx can reduce buyer hesitation and speed up the payment process.
Food processing equipment manufacturers sell to large enterprises and Fortune 500 companies that prefer using corporate cards for capital equipment purchases.
When a large food producer's procurement team is authorized to use an AmEx corporate card for a new packaging line, the transaction can often be approved and completed faster than a traditional net-terms invoice that requires multiple levels of internal approval. AmEx provides a trusted, familiar payment path for these high-stakes purchases.
Bill.com manages both Accounts Payable (AP) and Accounts Receivable (AR) in a single system. This is relevant for food processing equipment manufacturers who are simultaneously managing complex supplier relationships for parts and raw materials (AP) while also financing customer equipment sales (AR). Their platform includes features like 3-way matching for purchase orders, which supports equipment inventory management.
Food processing equipment manufacturers who want a single platform to manage both their vendor payments (AP) and customer receivables (AR).
The dual-sided nature of Bill.com's platform addresses the operational reality of food equipment manufacturing, where managing cash outflows to suppliers is just as important as managing cash inflows from customers. Their AP automation can support timely payments to critical component suppliers, while their AR tools help manage customer invoices. According to the Small Business Administration, automated financial processes can significantly improve operational efficiency for manufacturers.
Stripe offers an API-first approach with extensive documentation and support for 135+ currencies. Their infrastructure is trusted by major platforms and serves a significant portion of the Fortune 100. For manufacturers with in-house development teams, Stripe offers flexibility for custom integrations.
Food processing equipment manufacturers with technical teams building custom eCommerce experiences or needing deep, flexible API integrations.
For manufacturers selling through a custom online configurator for their equipment or integrating payments directly into a complex ERP system, Stripe's robust APIs provide the necessary building blocks. Their global currency support is also relevant for manufacturers who source components internationally or sell equipment globally.
Credit Key is a B2B Buy Now, Pay Later (BNPL) platform with a specific focus on the restaurant and foodservice equipment industry. They have established partnerships with major players in the foodservice space, validating their expertise in this vertical. Credit Key offers flexible financing from Net 30 to 12-month payment plans, making high-ticket equipment more accessible to buyers.
Food processing equipment manufacturers selling to restaurants, foodservice distributors, and smaller food producers who need flexible, buyer-side financing options.
Credit Key's go-to-market strategy is built around the foodservice industry, making them a consideration for manufacturers who sell to this segment. Their platform is designed to be embedded at the point of sale, offering buyers instant financing options that can facilitate purchase decisions. This is a buyer-centric financing model, as opposed to Resolve's seller-centric advance model.
Selecting the right B2B payment platform for food processing equipment manufacturing requires a careful assessment of your business model, customer base, and financial priorities. The industry's unique challenges—including high-value transactions, extended payment terms tied to production cycles, and the competitive need to offer flexible financing—demand a solution purpose-built for these requirements.
For manufacturers who want to eliminate the risk of bad debt while maintaining healthy cash flow, Resolve Pay's non-recourse financing model is a compelling solution. The platform's ability to advance up to 100% of an invoice's value within 24 hours while assuming all credit risk allows you to offer attractive net terms (30, 60, or 90 days) without any financial downside. This model is particularly powerful in a capital-intensive industry where a single large sale can represent a significant portion of monthly revenue.
The instant credit approval capabilities, powered by AI underwriting, accelerate the sales cycle from days to seconds. Combined with seamless integration into your existing tech stack—including QuickBooks, Oracle, and leading eCommerce platforms—Resolve Pay provides a comprehensive infrastructure that supports both immediate cash flow needs and long-term sales growth. As your food processing equipment business scales, having a payment partner that acts as your "credit team on tap" becomes a critical strategic advantage.
Platforms like Resolve Pay address the industry's extended payment terms by advancing up to 100% of the invoice value within 24 hours while customers maintain their standard 30-90 day terms. This non-recourse financing model eliminates the cash flow strain without requiring customers to change their payment behavior. The manufacturer receives immediate funding, and the payment platform manages all credit risk and collections.
Non-recourse financing means the payment platform assumes 100% of the credit risk for the invoice. If a customer defaults on payment, the manufacturer keeps the advanced funds and owes nothing back to the platform. This is critically important for food equipment manufacturers because a single default on a high-value item like a $150,000 industrial washer can be financially devastating. Non-recourse financing de-risks the sales process and allows for more aggressive growth.
Yes, leading platforms, including Resolve Pay, offer deep, native integrations with major ERP and accounting systems commonly used in manufacturing, such as QuickBooks, Oracle, NetSuite, and SAP. These integrations enable automated invoice synchronization, real-time payment updates, and seamless financial reconciliation, eliminating manual data entry and reducing errors.
Resolve Pay operates on a transparent fee structure that covers the credit risk, funding, and AR management services. Because the platform pays you upfront and takes on the risk, the fee is a direct trade for de-risked, accelerated cash flow. All cash advances are non-recourse, so what you receive is always yours to keep, regardless of whether your customer pays.
Resolve's credit engine uses proprietary AI models that evaluate thousands of data points to generate dynamic, scalable credit decisions. For your customer, the experience is simple: they provide just their business name and address, and they can receive an instant decision. This process is far faster and more accurate than traditional manual credit checks, allowing you to close deals in minutes instead of days.
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.