Best B2B Payment Platforms for Janitorial & Sanitation Supplies Distributors

The janitorial and sanitation supplies distribution industry faces unique payment challenges that demand specialized solutions. With late payments representing a significant challenge across B2B sectors, distributors operating on thin margins (typically 5-15%) struggle to maintain healthy cash flow while competing for institutional contracts that often require Net 60-90 payment terms. Janitorial distributors need platforms that handle high-volume bulk orders, support recurring billing for maintenance contracts, and offer net terms financing without exposing them to bad debt risk. For distributors looking to streamline their financial operations while offering flexible payment terms, Resolve's B2B Net Terms platform provides a comprehensive solution that addresses these specific industry challenges with non-recourse financing that advances up to 90% of invoice value within 24 hours.

Key Takeaways

• Janitorial and sanitation supplies distributors need B2B payment platforms that offer net terms financing without credit risk, handle high-volume bulk orders, and support recurring billing for maintenance contracts
• Non-recourse financing solutions eliminate bad debt risk while providing rapid funding, addressing the industry's extended payment cycles from institutional buyers
• AI-powered payment platforms can deliver instant credit decisions and automated cash application, reducing manual reconciliation for complex invoices with multiple line items
• Industry-specific platforms offer specialized features like wholesale distributor ERP integrations, Level 2/3 card processing for lower interchange fees, and mobile payment capabilities for field sales teams
• Global janitorial distributors benefit from payment platforms with multi-currency capabilities and transparent FX rates for international supply chains
• Comprehensive AR automation with seamless accounting integration enables distributors to manage the entire credit-to-cash lifecycle efficiently while protecting thin margins

1. Resolve Pay - AI-Powered Non-Recourse B2B BNPL

Resolve Pay offers janitorial distributors 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 distributors to offer net terms without jeopardizing their cash flow.

Best For

Janitorial distributors need to offer net terms without credit risk, with instant approvals supporting bulk facility supply orders.

Key Features

• 100% non-recourse financing eliminates merchant credit risk completely
• AI-powered instant credit decisions using business credit checks with up to 90% invoice advance within 24 hours
• Seamless integration with Accounts Receivable with AI-Powered Automation
• Automated AR workflow with payment reminders and collections management
• 24-hour funding cycles that address extended payment term challenges
• White-label payment portal maintaining distributor brand relationship

Janitorial Distribution Relevance

Resolve's platform is particularly valuable for janitorial distributors who need to extend credit to institutional buyers like schools, hospitals, and government agencies while maintaining healthy cash flow. The platform's ability to advance up to 90% of invoice value within 24 hours directly addresses the industry's extended payment cycle challenges. With a significant portion of B2B buyers wanting the option to pay on net terms, having a solution that manages the entire credit-to-cash lifecycle is essential.

The non-recourse nature of Resolve's financing means distributors can confidently offer competitive payment terms to grow their customer base without worrying about default risk. This is particularly valuable in the janitorial sector where building long-term relationships with facility management companies often requires flexible credit terms.

Customer Validation

"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 Luke Elliot, Co-Founder of RentAll Construction, a Resolve client.

Resolve's AI-powered underwriting provides instant credit approvals compared to the multi-day processes typical of traditional methods, enabling distributors to respond quickly to bulk supply orders. The platform's automated collections management reduces the administrative burden on AR teams while maintaining professional customer relationships.

2. TreviPay

TreviPay brings over 40 years of B2B payments experience with proven enterprise-grade infrastructure processing billions annually across multiple countries. Their omnichannel net terms solution supports online, in-store, and field sales channels—perfect for janitorial distributors managing both e-commerce and field sales teams.

Larger janitorial distributors managing complex customer networks with omnichannel sales requirements.

Key Features

• Over 40 years B2B payments experience with enterprise-grade infrastructure
• Omnichannel net terms supporting online, in-store, and field sales
• Fully managed AR services with collections under your brand
• Guaranteed settlement with predictable DSO
• Operations in multiple countries with support for various currencies

TreviPay's omnichannel approach is ideal for janitorial distributors who service facilities through both online ordering and field sales teams. Their fully managed AR services handle collections and buyer support under your brand, freeing up internal resources to focus on sales growth rather than collections management. The partnership with Northern Tool demonstrates their expertise in equipment and supply verticals similar to janitorial distribution.

3. Versapay

Versapay serves hundreds of distribution companies globally with a platform built specifically for wholesale distributors. Their mobile AR capabilities and native ERP integrations make them ideal for janitorial distributors managing complex pricing structures and multi-location accounts.

Wholesale janitorial distributors needing comprehensive AR automation with mobile capabilities for field sales teams.

Key Features

• Built specifically for wholesale distributors with complex pricing needs
• Mobile AR for field check collection and payment processing
• Native ERP integrations (NetSuite, Epicor, SAP)
• Unified AR platform (invoicing, payments, collections, cash application)
• Automated cash application handling checks, ACH, cards, and EDI remittances

Versapay's wholesale distribution specialization directly addresses janitorial distributor needs. The mobile AR capabilities suit field sales teams common in this industry who need to process payments on-site at facilities. Strong ERP integrations ensure accurate financial reporting while automated cash application handles the diverse payment methods common in B2B transactions.

4. Bill.com

Bill.com powers hundreds of thousands of businesses with substantial annual payment volume, offering robust AP/AR automation that's particularly valuable for janitorial distributors managing both payables to suppliers and receivables from customers. Their seamless QuickBooks integration makes them accessible to mid-market distributors without dedicated IT staff.

Mid-market janitorial distributors needing both AP and AR automation with strong accounting integration.

Key Features

• Automated AP/AR workflows with approval routing
• Seamless QuickBooks, Xero, and NetSuite integration
• Processes ACH, checks, and international payments
• AI-enhanced automation reducing manual AP/AR work
• Extensive accounting integration ecosystem (180+ systems)

Bill.com's dual focus on both payables and receivables is valuable for janitorial distributors who need to manage payments to supply vendors while collecting from facility management customers. The platform's automation capabilities reduce the manual work associated with high invoice volumes, while strong accounting integrations ensure accurate financial reporting without manual data entry.

5. Credit Key

Credit Key specializes in B2B buy now pay later solutions with expertise in the supply industry. Their model requires no personal guarantee, making it accessible for institutional buyers like facility management companies, schools, and government agencies.

Janitorial distributors serving institutional buyers who need financing without personal guarantees.

Key Features

• Net 30 to 12-month payment plans supporting bulk supply purchases
• Omnichannel support (eCommerce, in-store, field sales)
• Merchant paid in 48 hours while buyer gets flexible terms
• Equipment and supply industry specialization

Credit Key's no personal guarantee requirement is particularly valuable for janitorial distributors serving institutional buyers who cannot provide personal guarantees. The flexible payment plans (Net 30 to 12 months) support both bulk supply purchases and equipment financing common in the industry.

6. Stripe

Stripe powers millions of businesses including major platforms, offering developer-friendly APIs and global payment capabilities. Their subscription billing features are ideal for janitorial distributors managing recurring maintenance contracts with facility management companies.

Janitorial distributors with e-commerce presence or technical teams needing customizable payment solutions.

Key Features

• Supports 135+ currencies and 100+ payment methods
• Developer-friendly APIs for custom workflows
• Advanced fraud detection with Stripe Radar
• Subscription billing built-in for recurring contracts
• Enterprise-grade uptime reliability

Stripe's subscription billing capabilities are perfect for janitorial distributors managing ongoing facility maintenance contracts with scheduled supply deliveries. The platform's flexibility allows customization for complex pricing structures common in bulk supply orders, while global capabilities support distributors with international operations.

7. Square

Square offers simplicity and ease of use with same-day setup capability, making it accessible for smaller janitorial distributors without dedicated IT staff. Their mobile card readers are perfect for field sales teams servicing facilities on-site, while transparent pricing with no hidden fees protects thin margins.

Smaller janitorial distributors needing simple, reliable payment acceptance with mobile capabilities.

Key Features

• Simplicity and ease of use with same-day setup
• Mobile card readers perfect for field sales and on-site facility visits
• Transparent pricing with no hidden fees
• Inventory management and customer directory

Square's simplicity makes it ideal for smaller janitorial distributors transitioning from cash/check to digital payments. The mobile payment capabilities suit field sales teams who need to process payments on-site at facilities, while inventory management helps track bulk supply orders and recurring customer needs.

8. Billtrust

Billtrust processes substantial transaction volume annually with enterprise-grade AR automation specifically designed for distribution companies. Their Level 2/3 card data capture reduces interchange fees on large B2B transactions, providing significant cost savings for distributors with bulk facility supply orders.

Larger janitorial distributors with high transaction volumes needing enterprise-grade AR automation.

Key Features

• Enterprise-scale transaction processing demonstrating proven capability
• Digital Lockbox for virtual card processing
• Customizable payment policies by customer segment
• Level 2/3 card data capture for reduced fees
• AI-powered order-to-cash with predictive intelligence

Billtrust's enterprise-grade capabilities are ideal for larger janitorial distributors processing high volumes of bulk facility supply orders. The Level 2/3 card data capture reduces interchange fees on large transactions, which is significant for businesses operating on thin margins. Customizable payment policies support tiered pricing structures common in the industry.

Choosing the Right B2B Payment Platform for Your Janitorial Distribution Business

Selecting the right B2B payment platform for janitorial and sanitation supplies distribution requires careful evaluation of your specific operational needs, customer base, and growth trajectory. The industry's unique challenges—including thin margins, high-volume bulk orders, recurring maintenance contracts, and extended payment terms from institutional buyers—demand payment solutions purpose-built for these requirements.

For janitorial distributors seeking to eliminate credit risk while maintaining healthy cash flow, Resolve Pay's non-recourse financing model offers a compelling solution. The platform's ability to advance up to 100% of invoice value within 24 hours while assuming the credit risk enables distributors to offer competitive net terms without jeopardizing their financial position. This becomes particularly valuable when working with institutional buyers like schools, hospitals, and government agencies who expect flexible payment options.

The instant credit approval capabilities powered by AI underwriting accelerate the order-to-cash cycle, enabling distributors to respond quickly to bulk supply orders without the multi-day delays typical of traditional credit evaluation processes. Combined with seamless accounting integration and automated AR workflows, Resolve Pay provides distributors with a comprehensive platform that addresses both immediate cash flow needs and long-term customer relationship management.

As the janitorial and sanitation supplies distribution market continues to evolve with increasing digital adoption and competitive pressure, having a B2B payment platform that scales with your business while maintaining operational efficiency and protecting margins becomes increasingly critical. Whether you're a small distributor serving local facilities or a large enterprise managing national contracts, the right payment platform serves as strategic infrastructure that supports sustainable growth.

Frequently Asked Questions

How can B2B payment platforms address the long payment cycles common with institutional buyers in janitorial distribution?

Platforms like Resolve Pay address extended payment terms by advancing up to 100% of invoice value within 24 hours while customers maintain their standard payment terms. This non-recourse financing model eliminates the cash flow strain without requiring customers to change their payment behavior. The distributor receives immediate funding while the payment platform manages credit risk and collections.

What role does AI play in modern B2B payment solutions for janitorial distributors?

AI powers instant credit decisions, automated cash application with high match rates, and intelligent payment routing for higher approval rates. For janitorial distributors, AI reduces manual processing of complex bulk orders and accelerates credit decisions from days to seconds. This automation enables faster order fulfillment and improved customer experience while reducing administrative overhead on AR teams through AI-powered automation.

How can implementing a B2B payment platform improve cash flow for janitorial distributors?

B2B payment platforms improve cash flow through invoice financing, automated AR workflows that reduce DSO (Days Sales Outstanding), and interchange optimization that reduces processing fees. Platforms offering non-recourse financing provide immediate access to capital while eliminating credit risk. Additionally, automated collections management and payment reminders reduce the time and resources required to manage accounts receivable.

What security and compliance features should janitorial distributors look for in a payment platform?

Janitorial distributors should prioritize platforms offering PCI DSS compliance, secure API integrations, and comprehensive audit trails. Look for features like tokenization, encrypted data transmission, and fraud prevention systems. Platforms with industry-specific experience demonstrate their understanding of distribution requirements and commitment to maintaining appropriate security standards for handling sensitive customer and payment data.

Can B2B payment platforms integrate with existing accounting systems commonly used by distributors?

Yes, leading B2B payment platforms offer native integrations with major accounting systems commonly used by distributors, including QuickBooks, NetSuite, and SAP. These integrations enable automated invoice synchronization, real-time payment updates, and seamless financial reconciliation. When evaluating platforms, verify that they support your specific accounting system and understand the depth of integration available—some platforms offer basic data export while others provide comprehensive two-way synchronization with automated workflows through seamless integrations.

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.