55% of all B2B invoiced sales in the U.S. are currently overdue—a cash flow crisis that hits restaurant equipment distributors especially hard when you're extending 30-90 day terms on $50,000 commercial ovens. Restaurant and foodservice equipment distributors face unique payment challenges: high-ticket transactions ($10K-$500K for commercial kitchen buildouts), seasonal cash flow from restaurant clients, and the need to offer competitive net terms while maintaining working capital. Finding the right payment platform that combines financing capabilities with robust payment processing is essential for growth. Resolve Pay's B2B Net Terms platform helps merchants grow B2B sales, get paid faster, and reduce risk by streamlining their net terms, accounts receivable, and payments processes. We analyzed dozens of B2B payment platforms and tested the top options against criteria specific to equipment distribution: net terms capabilities, high-value transaction support, inventory integration, and proven results in equipment/supply verticals.
Resolve Pay stands out as one of the few non-recourse net-terms financing options built for B2B sellers, making it ideal for restaurant equipment distributors who can't afford the risk of default on high-ticket sales. The platform advances up to 90% of invoice value within 24 hours while your customers enjoy 30-90 day payment terms.
Resolve's non-recourse model means you keep 100% of the advanced funds even if your customer defaults—significantly reducing bad-debt exposure. This is particularly valuable for equipment distributors selling $10K-$100K+ commercial kitchen equipment where a single default could significantly impact profitability.
Unlike traditional factoring or recourse financing where you remain liable for customer defaults, Resolve Pay assumes all credit risk. This fundamental difference transforms how equipment distributors can scale their business, removing the constraint of cash flow uncertainty that typically limits growth.
For restaurant equipment distributors, Resolve's platform addresses the critical cash flow gap between fulfilling large equipment orders and receiving payment. Instead of waiting 30-90 days to get paid while covering inventory costs, distributors receive funds within 24 hours, enabling them to fulfill the next large order immediately.
The platform's AI-powered credit engine understands the nuances of restaurant creditworthiness, evaluating factors beyond traditional credit scores. This results in higher approval rates for restaurant buyers while maintaining strong risk management for distributors. According to Federal Reserve research, access to net terms financing significantly impacts small business growth potential.
Resolve's white-label approach means your customers interact with your brand throughout the payment experience. The seamless integration maintains your customer relationships while Resolve handles the complex backend of credit evaluation, funding, collections, and risk management.
Resolve reports customers have achieved up to 90% AR workload reduction and 50–60% DSO reduction. Archipelago Lighting tripled their revenue using Resolve's platform, demonstrating the growth potential when cash flow constraints are eliminated.
The platform's impact extends beyond just faster payment. Equipment distributors report being able to accept larger orders, extend terms to more customers, and eliminate the overhead of credit evaluation and collections management. These operational improvements compound the direct financial benefits of improved cash flow.
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Credit Key has built a reputation as a specialist in the restaurant equipment and supply industry, with explicit vertical focus and partnerships with major players like WebstaurantStore. Their omnichannel approach supports equipment sales across all channels—eCommerce, in-store showrooms, and field sales representatives. Credit Key offers flexible financing options from Net 30 to 12-month payment plans, making it easier for restaurant owners to afford high-ticket equipment purchases. Their restaurant equipment specialization means they understand the unique sales cycles and customer needs of this industry.
Credit Key has established partnerships with major industry players including Samsung, Newegg Business, and WebstaurantStore, demonstrating credibility in the foodservice equipment space.
TreviPay brings 40+ years of B2B payments experience to equipment distributors, with a proven track record in the equipment industry through their partnership with Northern Tool. Their end-to-end order-to-cash automation handles everything from credit decisions to collections management. TreviPay offers fully managed accounts receivable automation with enterprise-grade capabilities, processing billions in global trade annually. Their partnership with Northern Tool—a major equipment and tools supplier—demonstrates their expertise in handling equipment distribution payment complexities.
TreviPay reports customers can achieve up to 98% DSO reduction, up to 100% average order volume increase, and up to 90% fewer invoice errors.
BlueCart has built the largest wholesale marketplace in the food and beverage industry, connecting vendors to a large network of restaurants that place orders on the platform. Their platform combines marketplace exposure with integrated payment processing through BlueCart Pay. BlueCart's end-to-end B2B commerce platform is built specifically for the foodservice industry, giving equipment distributors access to a ready-made network of restaurant buyers. The platform BlueCart reports processing $2B+ in transaction volume, demonstrating significant market adoption.
BlueCart has grown to serve 100,000+ businesses with over $2 billion in transaction volume processed. The platform has secured significant investor funding, indicating strong market confidence in their foodservice-focused approach.
Two leverages advanced AI to deliver sub-2-second credit decisions, making it ideal for equipment showroom sales where customers expect immediate approval. Their platform delivers significantly higher credit limits than traditional bureaus with a 90% acceptance rate.
Two's Delphi AI engine delivers instant credit decisions while their Frida AI fraud engine has prevented approximately $76 million USD in fraud losses. Their building materials vertical demonstrates experience with heavy equipment sales similar to restaurant equipment.
Two has onboarded 500+ merchants with 100,000+ companies purchasing through their platform. NetOnNet's Head of Sales praised Two for offering "the best purchasing experience on the market" with a "secure, straightforward, and quick" experience for business customers.
BILL (formerly Bill.com) offers accounts payable and receivable automation with a large network of connected businesses. Their platform processes substantial annual payment volume. BILL's combined AP + AR platform is ideal for equipment distributors who need to manage both vendor payments for inventory and customer receivables. Their extensive vendor network means many equipment suppliers are likely already connected, simplifying onboarding.
Equipment distributors benefit from BILL's AP automation for managing equipment purchase orders with 3-way matching, while AR automation handles customer invoicing. The strong accounting integration is critical for equipment distributors managing complex inventory and cost tracking. Research from the Small Business Administration shows that automated financial processes significantly improve operational efficiency.
Stripe offers high reliability and uptime for payment processing and support for 135+ currencies and 100+ payment methods. Stripe processes very large annual payment volumes across many industries. Stripe's developer-friendly APIs and extensive documentation make it ideal for equipment distributors with technical teams who want to build custom payment workflows. Their global reach supports international equipment suppliers and customers.
Stripe powers major platforms including Shopify, Uber, and Amazon and serves a significant portion of Fortune 100 companies. Users report revenue uplift with optimized checkout features.
PayCompass positions itself for high-ticket B2B payments and equipment/supply-style sellers, with specialized features for high-ticket B2B transactions. Their Level 2/Level 3 processing reduces fees on large equipment sales. PayCompass focuses specifically on equipment and supply vendors, with features designed for high-value B2B transactions. Their Level 2/Level 3 processing capabilities reduce interchange fees on large equipment purchases, directly improving margins.
Equipment distributors benefit from PayCompass's specialized understanding of equipment sales and their fee-reduction capabilities for high-ticket transactions. The platform's focus on equipment vendors means they understand the unique requirements of this industry.
Square can be a good fit for smaller equipment distributors with physical showrooms or warehouses. Their integrated POS system, mobile card readers, and inventory management make them accessible for smaller distributors. Square's simplicity and affordability make it accessible to smaller equipment distributors who may not have dedicated IT staff. Their mobile card readers are perfect for collecting payments during equipment delivery and installation.
Square powers millions of retail and B2B transactions globally, with consistent praise for simple setup and ease of use in user reviews.
PayPal’s familiar checkout experience can reduce friction for some business buyers. Their simple invoicing makes it easy to send equipment quotes and collect deposits. PayPal's universal buyer acceptance means most businesses already have accounts, reducing friction on large equipment purchases. Their buyer and seller protection programs provide additional security for high-value transactions.
PayPal has been an industry standard for over 20 years, with instant customer trust shown to boost conversions.
Net Terms Capability is Essential: The majority of B2B buyers prefer net terms, making this a critical feature for equipment distributors. Platforms like Resolve Pay, Credit Key, and TreviPay offer built-in net terms infrastructure, while others require additional solutions.
High-Ticket Transaction Support: Restaurant equipment purchases typically range from $15K-$75K per order, requiring platforms that can handle large transactions efficiently without arbitrary limits.
Integration Requirements: Equipment distributors need seamless integration with inventory management, accounting systems, and eCommerce platforms. Resolve's integration platform offers native connections to leading systems.
Risk Management: The non-recourse model offered by Resolve Pay eliminates bad debt risk, which is particularly important for high-value equipment sales where a single default could significantly impact profitability. According to U.S. Chamber of Commerce research, effective cash flow management is essential for business sustainability.
For restaurant and foodservice equipment distributors facing the unique challenges of high-ticket sales, seasonal cash flow, and competitive pressure to offer net terms, Resolve Pay delivers the most comprehensive solution in the market.
The platform's non-recourse financing model fundamentally changes the economics of equipment distribution. By eliminating bad debt risk on large commercial kitchen equipment sales, distributors can confidently extend net terms to more customers without the fear that a single default will devastate profitability. This confidence enables business growth that would be impossible under traditional payment models.
Resolve's 24-hour funding transforms cash flow management. Equipment distributors no longer face the choice between growth and liquidity—they can fulfill the next large order immediately after shipping the previous one, without waiting 30-90 days for payment. This acceleration compounds over time, enabling distributors to scale inventory, expand product lines, and capture market share that competitors constrained by cash flow cannot access.
The platform's seamless integration with QuickBooks, Shopify, Magento and other business systems means implementation doesn't disrupt existing operations. The white-label payment portal maintains your brand relationship with customers while Resolve handles the complex backend of credit evaluation, funding, and collections.
For equipment distributors ready to eliminate cash flow constraints and scale their business with confidence, Resolve Pay's B2B Net Terms platform offers competitive pricing and proven results across the equipment and supply verticals.
Platforms like Resolve Pay underwrite your customers in real time and advance up to 90% of your invoice value within 24 hours, while your customers get 30-90 days to pay. This eliminates the cash flow gap that typically occurs when offering net terms on expensive equipment.
Most platforms focus on purchase transactions, but some like Credit Key offer flexible financing options from Net 30 to 12-month payment plans that can function similarly to leasing arrangements. For true equipment leasing, you may need specialized leasing providers.
Payment processing platforms like Stripe and Square simply facilitate the transfer of funds from buyer to seller. Equipment financing platforms like Resolve Pay actually advance you the money upfront while taking on the credit risk, allowing you to offer net terms without cash flow disruption.
Implementation timelines vary significantly. Resolve Pay can provide 24-hour funding on approved invoices. SMB-friendly platforms like Square offer same-day setup, while enterprise solutions like TreviPay may require additional time for full implementation.
BlueCart is specifically designed for the foodservice industry with marketplace access to 47,000+ restaurants. However, Resolve Pay's B2B Payments Platform offers the most comprehensive solution for high-ticket equipment sales with non-recourse financing and seamless integration capabilities.
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.