HVAC equipment manufacturers face unique payment challenges: large-ticket orders, seasonal demand fluctuations, and customers who need 60-90 days to pay for expensive systems. The right B2B payment platform can transform this challenge into a growth opportunity by offering flexible net terms while ensuring you get paid quickly. We've analyzed the market to identify the platforms that best serve HVAC manufacturers' specific needs for credit management, accounts receivable automation, and cash flow acceleration.
Resolve Pay was built specifically for B2B manufacturers who need to offer net terms while protecting their cash flow. Unlike traditional payment processors, Resolve acts as your embedded credit team, providing instant credit decisions and advancing up to 100% of invoice value within 24 hours while your customers get 30, 60, or 90 days to pay.
Resolve's platform addresses the core challenges of HVAC equipment sales: large orders requiring extended payment terms and the risk of late payments. The platform's non-recourse structure means that once an invoice is approved and funded, the advance is yours to keep regardless of whether your customer pays – eliminating credit risk for your business.
This fundamental difference from traditional factoring or financing solutions protects HVAC manufacturers from the uncertainty that typically comes with extending credit. You can confidently offer competitive payment terms to win larger contracts without worrying about customer payment issues impacting your cash position.
Comprehensive credit management handling underwriting and risk assessment for new commercial customers
Resolve Pay's platform delivers specific advantages for HVAC equipment manufacturers operating in a market characterized by high-value transactions and complex customer relationships. The ability to offer 60-90 day terms without cash flow strain enables you to compete more effectively for large commercial projects where extended terms are often a requirement.
The platform automates credit checks and underwriting for new commercial customers, eliminating weeks of manual review and back-and-forth. This acceleration matters when competing for time-sensitive installations or seasonal demand surges. Your sales team can close deals faster while your finance team maintains control and visibility.
By reducing DSO (Days Sales Outstanding) while maintaining customer relationships, Resolve helps HVAC manufacturers optimize working capital. The platform accepts multiple payment methods through a branded portal (ACH, credit card, wire, check), ensuring customers can pay conveniently while you receive funds immediately.
Resolve has positively impacted cash flow for businesses across equipment and manufacturing sectors. Companies report significant improvements in their cash conversion cycles, with the advance on each invoice translating into quicker receivables and improved working capital positions.
Visit resolvepay.com to explore how Resolve can transform your HVAC equipment sales with embedded net terms and non-recourse financing.
TreviPay brings 40+ years of B2B payments experience to HVAC manufacturers, particularly those serving international markets or enterprise customers. The platform offers guaranteed settlement with predictable DSO and supports net terms from 15-90 days across 20+ countries and 10+ currencies. TreviPay's partnership with Allianz Trade provides robust risk management for large equipment sales, while their omnichannel approach supports transactions across online, in-store, and sales representative channels – essential for complex HVAC system sales.
TreviPay-cited research shows that a large majority of buyers prefer vendors that offer payment terms, and many are likely to buy more when net terms are available and are likely to buy more when they can pay this way – a critical advantage for HVAC equipment sales.
Billtrust specializes in accounts receivable automation with dedicated solutions for heavy machinery and equipment dealers, making it particularly relevant for HVAC manufacturers. The platform processes over $1 trillion annually and serves thousands of customers with advanced AI-powered cash applications. Billtrust's heavy machinery & equipment industry solutions address the unique invoicing and payment challenges of equipment manufacturers, including complex pricing structures, service contracts, and seasonal demand patterns.
Billtrust automates complex invoice reconciliation for mixed payment types (equipment, installation, service) and reduces manual data entry errors and processing time. The platform improves cash application accuracy significantly while streamlining collections for large, seasonal equipment orders.
Tipalti excels at automating supplier payments and global mass payouts, making it valuable for HVAC manufacturers with complex supply chains. The platform focuses on the accounts payable side of your business, streamlining how you pay suppliers and contractors. Tipalti's platform automates supplier onboarding, invoice processing, and payment distribution across 120+ currencies and 200+ countries, with built-in tax compliance features.
Tipalti streamlines payments to component suppliers and contractors while ensuring tax compliance for international supplier payments. The platform reduces manual processing errors in complex supply chains and improves supplier relationships with reliable, timely payments.
Airwallex provides multi-currency business accounts and payment infrastructure ideal for HVAC manufacturers with international customers or suppliers. The platform enables businesses to operate like local entities globally with competitive FX rates. Airwallex's multi-currency accounts allow HVAC manufacturers to receive, hold, and spend in 20+ currencies, with 0% foreign transaction fees on corporate cards and market-leading FX rates.
Airwallex enables HVAC manufacturers to accept payments from international customers in their local currencies and pay suppliers in their preferred currencies without markup. The platform reduces FX costs on international transactions while maintaining compliance across multiple jurisdictions.
Bill.com offers accessible AP/AR automation for smaller HVAC manufacturers, with straightforward pricing starting at $45 USD/user/month and strong integration with popular accounting software like QuickBooks and Xero. Bill.com's user-friendly interface and transparent pricing make it an attractive entry point for smaller HVAC businesses transitioning from manual payment processes to digital automation.
Bill.com provides affordable automation for smaller HVAC businesses with seamless integration into existing accounting workflows. The platform simplifies bill tracking and payment scheduling while reducing manual errors in accounts payable and receivable.
Stripe provides highly customizable payment infrastructure through advanced APIs, making it ideal for HVAC manufacturers with significant online sales channels or custom e-commerce implementations. Stripe's API-first architecture allows HVAC manufacturers to build custom payment experiences tailored to their specific business models, including recurring billing for service contracts and subscription management.
Stripe enables HVAC manufacturers to build custom payment flows for complex equipment configurations and implement recurring billing for maintenance and service contracts. The platform supports global customers with localized payment methods while integrating payments seamlessly into custom e-commerce platforms.
PayPal Business leverages its globally recognized brand to provide simple payment processing with robust security measures and buyer/seller protection. PayPal's widespread recognition provides immediate credibility and customer comfort, particularly valuable for HVAC manufacturers selling to businesses unfamiliar with their payment terms.
PayPal Business offers immediate customer trust and payment comfort with reliable payment processing. The platform provides basic invoice management for straightforward transactions and enables global payment acceptance without complex setup requirements.
The best B2B payment platform for your HVAC equipment manufacturing business depends on your specific needs:
For Net Terms and Credit Management: Resolve Pay leads with its non-recourse financing model that pays you upfront while customers get 60-90 days to pay. This is ideal for manufacturers who want to offer flexible payment terms without cash flow strain or credit risk.
For AR Automation: Billtrust provides comprehensive automation for equipment dealers, while Resolve's AI-powered AR platform offers integrated credit and payment automation specifically designed for B2B net terms.
For Global Operations: Airwallex excels at multi-currency transactions, while TreviPay provides enterprise-grade global B2B payments with credit protection.
For SMB Accessibility: Bill.com offers affordable entry-level automation for smaller businesses.
Integration Considerations: Ensure your chosen platform integrates with your existing ERP and e-commerce systems. Resolve Pay, Billtrust, and Stripe offer comprehensive integration capabilities for manufacturing environments.
For HVAC manufacturers navigating the challenge of offering competitive payment terms while maintaining healthy cash flow, Resolve Pay delivers a uniquely powerful solution. The platform's 100% non-recourse financing model fundamentally changes the economics of B2B credit by eliminating your risk on approved invoices while providing immediate access to working capital.
The combination of instant AI-powered credit decisions, 24-hour funding, and comprehensive AR automation creates a seamless experience that benefits both you and your customers. You can confidently extend 60-90 day terms to win larger commercial contracts, knowing you'll receive payment within 24 hours. Your customers get the flexible terms they need without you bearing the cash flow strain or credit risk.
According to research from the Harvard Business Review, customer retention drives long-term profitability in ways that acquisition alone cannot achieve. By offering flexible net terms through Resolve's platform, HVAC manufacturers strengthen customer relationships while protecting their financial position – creating sustainable competitive advantages in a market where payment flexibility increasingly determines which supplier wins the business.
The platform's seamless integration with existing ERP and accounting systems means implementation doesn't disrupt your current operations. Resolve works within your established workflows while dramatically improving cash flow, reducing AR workload, and eliminating credit risk – the trifecta that transforms payment terms from a necessary cost of doing business into a strategic growth driver.
B2B payment platforms like Resolve Pay provide instant credit decisions and non-recourse financing, allowing you to offer 30-90 day terms to qualified customers while receiving payment within 24 hours. This eliminates the cash flow strain of traditional net terms while enabling larger equipment sales. The platform handles credit assessment, underwriting, and collections, reducing your administrative burden and credit risk.
Yes, leading platforms offer comprehensive integration capabilities. Resolve Pay integrates seamlessly with QuickBooks, NetSuite, Shopify, BigCommerce, and Magento, automatically syncing transactions and maintaining data consistency across your tech stack. Billtrust offers 40+ ERP connectors, while Stripe provides developer-friendly APIs for custom integrations.
Traditional factoring typically involves recourse agreements where you remain liable for unpaid invoices, complex fee structures, and customer notification requirements. Resolve's non-recourse financing eliminates your risk on approved, non-disputed invoices, provides competitive pricing, and maintains your customer relationships with white-label payment portals. You receive up to 100% advance within 24 hours while your customers keep their extended payment terms.
Resolve's AI-powered AR platform automates the entire net terms workflow from invoice to payment, reducing manual AR work substantially. AI agents manage payment reminders, collections, and reconciliation across all invoice types (net terms, COD, due upon receipt). The platform uses advanced technology to ensure accurate transaction mapping and real-time syncing with your accounting software, improving cash flow while reducing administrative overhead.
B2B payment platforms must comply with standard financial regulations including PCI DSS for payment security. Resolve Pay's non-recourse structure provides additional benefits by eliminating merchant liability for approved invoices. Platforms like Airwallex maintain compliance certifications (FCA, ASIC, FinCEN, SOC 1/2) for international operations. Always verify that your chosen platform maintains current compliance certifications relevant to your business size and geographic scope.
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.