In 2025, a majority of B2B companies still struggle with late payments, with one report finding that 64% of companies face delayed payments—a problem that's particularly acute for machinery and equipment manufacturers managing $100K+ transactions and complex supply chains. The right payment platform can transform your cash flow, accelerate collections, and enable you to offer flexible net terms that drive sales without taking on credit risk. For manufacturers specifically, the ability to streamline your accounts receivable while offering financing options is critical to competing in today's market.
Resolve Pay stands apart as the only B2B payment platform specifically engineered for machinery and equipment manufacturers, combining embedded financing, AI-powered credit decisions, and comprehensive AR automation in a single solution.
Resolve Pay's unique value proposition for equipment manufacturers is its 100% non-recourse financing model that eliminates merchant credit risk entirely. The platform acts as your embedded credit team, underwriting buyers in real-time and advancing up to 100% of invoice value within 24 hours—while your customers receive net 30/60/90 day terms. This approach transforms the traditional equipment sales model where manufacturers must either extend credit themselves (taking on default risk) or require upfront payment (limiting sales opportunities).
Resolve Pay serves over 15,000+ businesses with documented cases of manufacturers achieving 75% revenue growth in a single month after implementation. The platform specifically addresses the fundamental challenges in manufacturing B2B payments: long sales cycles, high transaction values, and the need for flexible payment terms without exposing manufacturers to credit risk.
The platform's non-recourse model means that once Resolve Pay approves a buyer and advances payment to the manufacturer, the manufacturer has zero liability if the customer fails to pay. This is fundamentally different from traditional factoring or recourse financing where manufacturers remain on the hook for customer defaults.
Resolve Pay integrates seamlessly with the manufacturing technology stack, including:
These native integrations ensure that credit decisions, invoice generation, payment tracking, and AR reconciliation happen automatically without manual data entry or workflow disruption.
The platform offers rapid deployment with most manufacturers going live within days rather than weeks. White-glove onboarding includes dedicated support to configure credit policies, integrate with existing systems, and train teams on the platform's capabilities.
Getting Started: Explore Resolve's manufacturing solutions
TreviPay represents the enterprise alternative for manufacturers with complex international operations, offering 45+ years of B2B credit expertise across a global network spanning 32 countries. As a long-established B2B payment network (founded in 1978), TreviPay provides deep trade credit expertise and global reach that's ideal for large manufacturers with international supply chains. The platform extends trade credit without requiring merchants to take on additional risk or operational overhead.
TreviPay excels for organizations with significant international operations requiring comprehensive credit management across multiple entities and currencies.
Bill.com dominates the market for comprehensive financial operations automation, offering a robust platform for managing both accounts payable and accounts receivable. Bill.com's strength lies in its all-in-one approach to financial operations, providing automated workflows for both paying suppliers and collecting from customers. The platform excels at streamlining the entire financial operations workflow for manufacturers.
Equipment manufacturers who need to streamline both payables and receivables workflows
Stripe provides flexible payment infrastructure for manufacturers with custom integration needs or those building proprietary ordering systems. Stripe's API-first approach makes it the preferred choice for manufacturers with in-house development teams or complex customization requirements. The platform's flexibility enables equipment configurators, custom quotation tools, and sophisticated e-commerce implementations.
Manufacturers with technical teams who need to build custom payment flows or integrate payments into complex e-commerce platforms
Airwallex leads the market for cross-border B2B payments, serving 200,000+ businesses and reporting $266 billion in annualized transaction volume (as of Dec 2025). Airwallex's competitive advantage lies in its superior foreign exchange rates and multi-currency capabilities, making it ideal for manufacturers with international supply chains or global customer bases. The platform enables like-for-like currency settlement without conversion fees.
Equipment manufacturers with international suppliers or customers requiring frequent cross-border transactions
Tipalti specializes in automating payments to international suppliers, making it ideal for manufacturers with complex global supply chains. Tipalti's focus on supplier payments automation addresses a critical need for manufacturers sourcing components internationally. The platform automates the entire supplier payment workflow from invoice capture to multi-currency disbursement.
Manufacturers with complex international supply chains requiring automated supplier onboarding and multi-currency payment distribution
Melio provides an accessible entry point for small equipment manufacturers transitioning from paper checks to digital payments. Melio's simplicity and affordability make it ideal for small manufacturers with limited technical resources. The platform's digital-first approach significantly reduces payment processing time compared to traditional paper checks while maintaining an intuitive user interface.
Small equipment manufacturers (<100 employees) seeking an affordable, easy-to-implement digital payment solution
PayPal for Business leverages universal brand recognition to reduce buyer hesitation in large equipment transactions. PayPal's global brand recognition and buyer protection features build trust in high-value machinery transactions. The platform's simplicity and widespread acceptance make it a safe choice for manufacturers selling internationally.
Manufacturers prioritizing buyer confidence and ease of adoption
American Express B2B provides premium payment solutions for manufacturers with enterprise customers who prefer corporate card payments. Amex leverages its established relationships with major manufacturing buyers and enterprise-grade security features to provide a premium payment experience for high-value equipment transactions.
Large equipment manufacturers with enterprise customers who prefer corporate card payments
Paystand offers an innovative blockchain-based approach that eliminates transaction fees for high-volume equipment sales. Paystand is a B2B payment network that markets 0% transaction fees on payments over the Paystand Network (subscription pricing applies), with native ERP integrations.
Digitally-forward manufacturers seeking to eliminate transaction fees while maintaining comprehensive payment capabilities
Financing vs. Payment Processing: The most critical distinction is whether you need embedded financing to offer net terms or payment processing capabilities. For machinery manufacturers, the ability to offer flexible net terms is often the deciding factor in platform selection.
Integration Requirements: Ensure your chosen platform integrates with your existing systems. Manufacturing ERPs like NetSuite, SAP, and Dynamics require deep native integrations rather than basic API connections.
Transaction Values: High-value equipment transactions ($50K-$1M+) require platforms with appropriate security, fraud protection, and financing capabilities.
Global vs. Domestic: International operations require multi-currency support and cross-border payment capabilities, while domestic-focused manufacturers can prioritize platforms optimized for U.S. operations.
Implementation Timeline: Consider your urgency—some platforms offer rapid deployment while enterprise solutions may require longer implementation periods.
For machinery and equipment manufacturers, Resolve Pay is a compelling solution to the industry's core payment challenges. The combination of 100% non-recourse financing, AI-powered credit decisioning, and white-label customer experience creates a unique value proposition that addresses what matters most: enabling competitive net terms while receiving immediate payment and eliminating credit risk.
According to McKinsey research on B2B payments, manufacturers who digitize their payment and credit processes see significant improvements in sales velocity and customer satisfaction. Resolve Pay's manufacturer-specific approach delivers these benefits through:
Immediate Cash Flow Impact: Rather than waiting 60-90 days for customer payments on high-value equipment sales, manufacturers receive payment within 24 hours. This transformation eliminates the cash flow constraints that limit inventory investment, slow production capacity expansion, and create operational stress.
Risk-Free Term Offerings: The 100% non-recourse model means manufacturers can confidently offer net 30/60/90 terms to every approved buyer without exposing their business to bad debt risk. This competitive advantage directly impacts win rates, especially against manufacturers who require deposits or upfront payment.
Sales Acceleration: AI-powered credit decisions in 24 hours replace the weeks-long credit approval processes that stall equipment sales. Sales teams can provide instant credit approval to prospects, removing a major friction point in the buying journey.
Brand Preservation: The white-label approach ensures customers interact with the manufacturer's brand throughout the payment experience. Unlike traditional factoring that introduces third-party relationships, Resolve Pay operates invisibly to maintain direct customer relationships.
Operational Efficiency: Automated AR workflows eliminate the manual overhead of payment reminders, invoice reconciliation, and collections follow-up. This allows finance teams to focus on strategic activities rather than administrative payment processing.
For manufacturers evaluating B2B payment platforms, the decision ultimately centers on whether you need a comprehensive financing solution or purely payment processing. Resolve Pay's documented results—including manufacturers achieving 75% revenue growth after implementation—demonstrate the transformative impact of combining payments with embedded financing. Explore how Resolve Pay can transform your equipment manufacturing payment operations
Specialized B2B payment platforms address the unique challenges of equipment manufacturing: high transaction values ($10K-$1M+), long sales cycles, complex supply chains, and customer expectations for net payment terms. These platforms provide AI-powered credit decisions, non-recourse financing to eliminate credit risk, and AR automation to reduce days sales outstanding. For manufacturers specifically, the ability to receive cash upfront while customers pay over 30-90 days transforms cash flow and enables larger sales.
Machinery manufacturers often face 60-90 day payment cycles while needing immediate cash for operations, inventory, and payroll. Modern B2B payment platforms address this by advancing payment on approved invoices within 24 hours while customers maintain their preferred net terms. This eliminates the cash flow gap without requiring manufacturers to take on debt or manage credit risk. Platforms with embedded financing provide up to 90% payment on approved invoices, ensuring immediate cash flow regardless of customer payment terms.
AI transforms B2B payments by automating credit decisions, payment reminders, and collections workflows. For manufacturers, AI-powered platforms use proprietary financial databases and behavioral signals to assess buyer creditworthiness in real-time, eliminating the weeks-long credit approval processes that stall equipment sales. AI agents also automate payment reminders and collections, reducing manual overhead while improving collection rates and reducing days sales outstanding.
Offering net terms traditionally carries significant credit risk for manufacturers, especially with high-value equipment transactions. However, modern platforms with 100% non-recourse financing eliminate this risk by assuming all credit risk for approved customers. This allows manufacturers to offer net terms confidently while receiving immediate payment, effectively transferring the credit assessment, decision-making, and default risk to the payment platform.
Traditional factoring is typically resource-based, meaning manufacturers remain liable if customers don't pay, and often requires notifying customers of the arrangement, potentially damaging relationships. Non-recourse invoice advances eliminate merchant liability entirely while maintaining white-label customer relationships. Manufacturers receive up to 100% upfront without recourse risk, and customers interact directly with the manufacturer's branded payment portal rather than a third-party factoring company.