Specialty chemical distributors operate in a complex financial environment where long payment terms strain cash flow, and late payments are common across many B2B sectors. With industry analysts highlighting significant working capital optimization opportunities—EY estimates that a 15-day DSO improvement can free roughly $43M per $1B in revenue in chemicals—and raw material costs comprising over 50% of COGS, distributors need payment solutions that offer competitive net terms without sacrificing financial stability. According to research from McKinsey, Optimizing working capital management is critical for chemical distributors navigating volatile market conditions. The right B2B payment platform can transform this cash flow paradox into a growth opportunity by accelerating seller cash flow, managing credit risk, and streamlining complex workflows. We've analyzed the market to identify platforms specifically equipped to handle high-value chemical transactions ($50K-$1M+), integrate with distribution ERPs, and provide the net terms flexibility that, according to a 2023 TreviPay study, 85% of B2B buyers demand.
Resolve Pay stands out as the only platform explicitly designed for specialty chemical distributors, combining AI-powered credit underwriting with non-recourse financing to eliminate merchant risk while accelerating cash flow. Built as an Affirm spinout, Resolve addresses the industry's unique challenges: volatile raw material costs, complex invoicing requirements, and the critical need to offer competitive payment terms without jeopardizing financial stability.
Resolve's AI models evaluate buyer data to generate credit decisions, requiring only a customer's business name and address to start evaluation. Unlike traditional factoring that can strain customer relationships, Resolve acts as your "credit team on tap" while maintaining your brand through white-label payment portals. This approach preserves the customer experience while delivering enterprise-grade credit management capabilities.
The platform's non-recourse model reduces B2B payment risk for the seller. Advanced funds are not clawed back if buyers default—eliminating the credit risk that traditionally forces distributors to choose between offering competitive terms and protecting cash flow. This protection is particularly valuable in chemical distribution, where thin margins (averaging around 6% EBITDA) leave little room for bad debt absorption.
Resolve's chemical industry focus delivers measurable outcomes that address the sector's most pressing financial challenges. The platform eliminates up to 90% of manual AR overhead through automation, freeing your team from time-consuming collections calls and payment tracking. By providing next-day payment advancement, Resolve directly addresses the median 60-day DSO challenge that ties up working capital across the chemicals industry.
Chemical distributors using Resolve report significant improvements in cash flow predictability, enabling them to negotiate better terms with raw material suppliers and take advantage of early payment discounts. The white-label approach ensures customers interact with your brand throughout the payment process, maintaining the relationship integrity that's critical for long-term chemical distribution partnerships.
Resolve integrates directly with the financial tech stack common in chemical distribution, including QuickBooks, NetSuite, Oracle, SAP, Shopify, and BigCommerce. The platform's flexible APIs ensure seamless data flow between your ERP, ecommerce platforms, and payment processing systems without manual intervention. This integration depth enables automatic invoice syncing, real-time credit limit updates, and streamlined reconciliation that keeps your financial data accurate across systems. Explore Resolve's chemical industry solution to unlock working capital while offering competitive net terms that win more business.
TreviPay excels at flexible net terms implementation across omnichannel sales environments, making it a strong option for chemical distributors serving customers through multiple channels including e-commerce, field representatives, and ERP systems. Their integration with the Mastercard network enables universal acceptance of trade credit across various payment methods.
TreviPay's approach delivers significant business impact, with case studies showing up to 100% average order value increase (Lenovo case study) and documented DSO reductions through streamlined collections. The platform's track record demonstrates effectiveness in helping B2B companies offer the net terms that buyers increasingly expect.
Billtrust brings over two decades of accounts receivable expertise specifically to the distribution sector, serving 440+ distributor companies with AI-driven automation. Their focus on the complete order-to-cash cycle makes them a comprehensive solution for chemical distributors managing complex invoicing and collections workflows.
Billtrust's distribution expertise delivers tangible benefits documented across their customer base. The McPherson Oil case study demonstrates significant cash flow improvements, while 84 Lumber achieved substantial AR cost reduction through optimized implementations. With 40+ direct ERP connectors, Billtrust integrates seamlessly with the systems most common in chemical distribution, including SAP, Oracle, and NetSuite.
WizPay provides deep integration between wholesale commerce catalogs and payment processing, designed for chemical distributors with complex product catalogs and pricing structures. Built as part of the WizCommerce ecosystem, it ensures seamless workflow from product browsing through payment completion.
WizPay's integrated approach delivers operational efficiency with documented improvements in quote-to-cash cycles. The platform's 99.99% uptime ensures continuous availability for critical supply chain operations, while seamless catalog integration preserves complex chemical product relationships and customer-specific pricing.
Boost Payment Solutions specializes in high-value commercial card acceptance with enterprise-grade security, serving large chemical distributors processing substantial transactions. Their patented technology and Fortune 100 client base demonstrate capability for handling the largest chemical orders.
Boost's capabilities are validated by their demanding enterprise client base, with 64 Fortune 100 clients trusting Boost for payment processing. The company reports processing over $23 billion in 2024, demonstrating the scale and reliability needed for high-value chemical transactions. With five utility patents and a perfect security record, Boost provides the enterprise-grade infrastructure that large distributors require.
Corcentric offers comprehensive source-to-pay capabilities with direct validation in the chemical industry through clients like Shell Lubricants. Their approach extends beyond payment processing to optimize the entire procurement cycle for chemical distributors managing complex supplier relationships.
Corcentric's chemical industry experience is demonstrated through their Shell Lubricants client relationship and their work with VIPAR Heavy Duty, which operates 700+ locations. Their source-to-pay approach addresses the complete procurement workflow complexity that characterizes chemical distribution operations.
Tipalti excels at international payment compliance and tax automation, making it valuable for chemical distributors with global supplier networks. Their comprehensive compliance features address the regulatory complexity common in international chemical transactions.
Tipalti's international capabilities deliver compliance confidence with a 98% customer retention rate indicating strong satisfaction with their compliance features. The extensive payment method support accommodates global supplier preferences, while comprehensive tax automation handles the complexity critical for cross-border chemical transactions.
Rillion provides mid-market focused AP automation with virtual card rebates that turn payment processing into a revenue opportunity. Their Riley AI Assistant and multi-entity management capabilities suit chemical distributors with multiple warehouse locations.
Rillion's capabilities align well with growing chemical distributors, with virtual card rebates providing valuable margin enhancement for the thin-margin chemical distribution sector. The multi-entity management supports operations with multiple warehouse locations, while 50+ ERP integrations connect seamlessly with distribution-standard systems.
Stripe provides developer-friendly global payment infrastructure with extensive customization capabilities. Their robust APIs and comprehensive documentation enable sophisticated payment implementations for chemical distributors with custom technology requirements or extensive international operations.
Stripe's international capabilities support chemical distributors with 135+ currencies accommodating global buyer preferences. The developer-first approach enables custom chemical-specific workflows, while the extensive integration ecosystem connects with distribution systems across the technology landscape.
Airwallex specializes in foreign exchange optimization and multi-currency accounts, making it valuable for chemical distributors importing raw materials or serving international markets. Their transparent pricing and efficient settlement address FX cost concerns that impact chemical distributor margins.
Airwallex's approach delivers cost savings with transparent, competitive FX pricing and rapid settlement times. Multi-currency accounts reduce conversion fees on raw material imports, while low FX costs help protect the thin margins characteristic of chemical distribution.
Industry-Specific Requirements Matter: Chemical distributors face unique challenges including median 60-day DSO, significant working capital tied up in inventory, and 44% late payment rates. Solutions like Resolve Pay that specifically address chemical industry challenges provide capabilities tailored to distributor needs.
Integration Depth: Seamless integration with distribution-specific ERPs ensures smooth data flow and reduces manual intervention. Resolve's integration platform connects with major distribution systems including NetSuite, Oracle, SAP, and QuickBooks, providing workflow automation that eliminates time-consuming manual processes.
Risk Management Approach: The non-recourse model offered by Resolve Pay eliminates merchant liability for buyer defaults, addressing a critical concern for chemical distributors managing volatile raw material costs and thin margins. This protection allows distributors to offer competitive payment terms without exposing their business to credit risk.
Total Cost of Ownership: Consider not just transaction fees but also operational costs. Research from Harvard Business Review shows that AI-powered automation reducing manual AR overhead by 90% can deliver greater value than slightly lower transaction rates by freeing teams to focus on growth rather than collections.
Selecting the right B2B payment platform is a strategic decision that impacts cash flow, customer relationships, and competitive positioning in the specialty chemicals market. For chemical distributors seeking to unlock working capital while offering the competitive net terms that buyers demand, Resolve Pay delivers industry-specific capabilities that address the sector's unique challenges.
Resolve Pay's combination of non-recourse protection, AI-powered credit decisioning, and seamless ERP integration provides the comprehensive solution chemical distributors need to thrive in today's complex financial environment. By advancing 100% of approved invoices within 24 hours while customers pay on their preferred Net 30/60/90 terms, Resolve eliminates the cash flow gap that traditionally forced distributors to choose between competitive terms and financial stability.
The platform's white-label approach preserves your brand relationships throughout the payment process, while automated AR workflows reduce manual overhead by up to 90%—freeing your team to focus on growth rather than collections. With seamless integration across major distribution ERPs and ecommerce platforms, Resolve becomes an invisible but powerful part of your financial infrastructure.
For specialty chemical distributors ready to transform payment terms from a cash flow challenge into a competitive advantage, explore Resolve's chemical industry solution to see how non-recourse financing and AI-powered automation can accelerate your growth while protecting your margins.
Platforms like Resolve Pay advance up to 100% of approved invoice value within 24 hours while your customers maintain their Net 30/60/90 payment terms. This addresses the median 60-day DSO challenge in the chemicals industry while preserving customer relationships and enabling you to offer the competitive terms that buyers expect.
Non-recourse financing means you keep the advanced funds even if your buyer defaults on payment. This eliminates credit risk for chemical distributors, allowing you to offer competitive net terms without jeopardizing cash flow or balance sheets. Given the thin margins typical in chemical distribution, this protection is particularly valuable for maintaining financial stability while competing effectively.
Yes, leading platforms offer integrations with common distribution ERPs like NetSuite, SAP, Oracle, and QuickBooks. Resolve's integration platform provides both pre-built connectors and flexible APIs for custom implementations, ensuring seamless data flow between your payment processing and financial systems without manual intervention.
Advanced platforms use AI models evaluating thousands of data points to make credit decisions quickly and accurately. Resolve Pay requires only your customer's business name and address, delivering results within 24 hours while maintaining your brand relationship through white-label interfaces. This approach provides enterprise-grade credit management without the complexity of traditional credit evaluation processes.
For high-value transactions typical in chemical distribution ($50K-$1M+), look for platforms offering robust credit limits, non-recourse protection, enterprise-grade security, and seamless ERP integration. Platforms like Resolve Pay provide the credit capacity, risk protection, and settlement reliability required for substantial chemical orders while maintaining the automated workflows that keep operations efficient.
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.