Modern B2B finance teams face a critical bottleneck: manual accounts receivable processes that delay cash collection and drain resources. While most businesses rely on ERP systems like NetSuite or QuickBooks for financial record-keeping, few leverage these platforms as active workflow engines.
The breakthrough lies in embedding intelligent net terms capabilities directly into your ERP—automating credit decisions, invoice delivery, and collections without disconnected point solutions. Resolve's accounts receivable automation platform integrates natively with your existing accounting software, transforming passive data systems into proactive cash flow accelerators.
Enterprise Resource Planning systems like NetSuite and QuickBooks Online serve as the natural hub for order-to-cash cycles. They already house foundational data: customer master records, sales orders, invoices, payments, and general ledger entries.
Treating your ERP as merely a financial record-keeper misses its potential as an operational orchestrator. When enhanced with embedded net terms capabilities, your ERP transforms from passive bookkeeping to active cash flow management.
Many B2B companies spend significant time on manual AR tasks that could be automated within ERP-native workflows. This inefficiency directly impacts financial performance. Organizations with integrated AR automation can reduce DSO significantly within their first implementation year.
Your ERP contains the complete customer lifecycle context necessary for intelligent credit and collections decisions:
Rather than duplicating this data in disconnected AR systems—which creates synchronization challenges for many finance teams—native integration enriches ERP records. Credit decisions, payment statuses, and collection activities flow seamlessly while maintaining data integrity.
The payment terms workflow in an optimized ERP environment follows this sequence:
This seamless flow ensures payment terms aren't just text on an invoice. They become enforceable business rules that drive automated workflows throughout the entire order-to-cash cycle.
Credit underwriting represents the critical risk management checkpoint in the order-to-cash process. Traditional manual credit reviews create multi-day delays that frustrate sales teams and buyers alike.
ERP-native underwriting eliminates this friction by automating credit decisions. Decisions happen at the point where they matter most—in the quote-to-order workflow.
Real-time credit decisioning integrated with ERP systems reduces order processing time dramatically while maintaining better credit quality. For most transactions, approval time drops from days to minutes, directly accelerating revenue recognition.
Modern ERP systems support real-time integration with external underwriting engines through well-defined APIs:
NetSuite Integration: SuiteScript 2.0 APIs enable custom workflow automation where sales orders trigger credit checks when they reach "Pending Approval" status. The underwriting result—approved credit limit and terms—is written back to custom customer fields.
This data becomes instantly available to sales and finance teams. NetSuite's SuiteFlow and User Event Scripts work together to orchestrate these workflows seamlessly.
QuickBooks Online Integration: QBO's webhook system notifies external systems when new customers are created or estimates require credit terms. The underwriting engine pulls customer data (business name, address) from QBO.
It processes the credit decision and writes the approved limit and terms back to QBO customer custom fields. Note that EIN storage requires custom fields in QBO, not native customer records.
This API-driven approach ensures credit decisions happen in real-time. Sales representatives never leave their familiar ERP interface. Buyers don't complete separate credit applications.
The most effective credit underwriting workflows begin even earlier—in the CRM system where opportunities are created. When sales representatives configure quotes in Salesforce or HubSpot, payment terms selection triggers an automated credit check.
The workflow flows seamlessly into the ERP:
This zero-friction buyer experience is critical. Most B2B buyers expect net terms options, and rejection rates increase significantly when credit processes create delays or require separate applications.
Resolve's business credit check service provides personalized business credit assessments requiring only company name and address. Results are delivered promptly—dramatically faster than traditional manual processes.
For organizations using NetSuite as their ERP and Salesforce as their CRM, the integration between these platforms represents the critical bridge. It connects sales activity with financial operations seamlessly.
When properly configured, this integration can automate the entire net terms workflow. The process flows from opportunity creation to invoice generation without manual intervention.
The key to success lies in middleware connectors like Celigo or Boomi. These tools synchronize data between Salesforce CPQ (Configure, Price, Quote) and NetSuite's sales order management.
These integrations map CRM contract metadata directly to NetSuite transaction records. Payment terms, due dates, and buyer credit lines transfer automatically.
Salesforce CPQ enables sales representatives to select appropriate payment terms during the quoting process:
When the sales representative closes the deal as "Won," the CPQ integration automatically creates a corresponding sales order in NetSuite. The approved payment terms pre-populate automatically.
The NetSuite-Salesforce integration maintains bidirectional data flow. This ensures credit limits are respected throughout the order process:
This seamless integration ensures credit decisions made during the sales process are enforced throughout fulfillment and invoicing. Risk controls remain in place while eliminating manual handoffs.
Resolve's ERP and ecommerce integrations fit directly into your B2B tech stack. Instant plug-ins and flexible APIs eliminate manual customer data entry—Resolve syncs with your systems and auto-imports required information.
While Salesforce dominates enterprise CRM, HubSpot has gained significant traction among mid-market B2B companies. Integrating HubSpot Deals with NetSuite AR workflows requires a different approach but delivers similar benefits.
The integration automates the flow of payment terms and credit decisions from sales activity to financial operations seamlessly.
HubSpot's custom property system enables finance teams to add payment-term-specific fields to Deal records. These fields sync directly to NetSuite sales orders.
Common integration patterns include:
Effective HubSpot-NetSuite integration maps sales process stages to financial events:
This stage-to-event mapping ensures financial processes automatically trigger based on sales activity. Manual intervention becomes unnecessary.
The true power of CRM-ERP integration lies in bidirectional data flow. This gives sales teams visibility into customer financial health:
This financial context enables sales teams to have more informed conversations with customers. They can discuss payment behavior and credit availability effectively, strengthening relationships while protecting cash flow.
Once credit decisions are made and sales orders are created, the next critical step is automated invoice generation. NetSuite's robust workflow engine enables sophisticated invoice automation.
It handles multiple payment terms, complex billing scenarios, and customer-specific requirements seamlessly.
Many B2B companies still rely on manual invoicing processes, requiring manual data entry and delaying payment processing. Automated invoice generation eliminates this inefficiency while ensuring consistent application of payment terms.
Effective invoice automation requires term-specific templates that communicate clear payment expectations:
NetSuite's saved searches and SuiteScript capabilities enable dynamic invoice generation. The system automatically applies the correct template based on customer credit profile and order characteristics.
Invoice generation is only half the battle. Automated delivery, payment collection, and reconciliation complete the AR automation cycle.
Organizations with integrated AR automation can reduce DSO significantly within the first year. This happens primarily through faster payment collection and zero-touch reconciliation.
The most effective AR automation workflows handle the complete invoice-to-cash journey:
Effective payment reminder workflows are tailored to payment term length:
Automated invoice delivery and payment reminders significantly increase on-time payment rates compared to manual processes. This improvement directly enhances cash flow without changing payment terms.
AI-powered reconciliation engines use multiple data points to automatically match payments to invoices:
This intelligent matching substantially reduces the time AR specialists spend on cash application. It allows them to focus on high-value activities like collections and customer relationship management.
Resolve's B2B payments platform offers a branded portal accepting ACH, credit card, wire, or check. Auto-bookkeeping pushes transaction records to QuickBooks linked to the original invoice.
While this article focuses on accounts receivable, understanding accounts payable automation provides valuable insights for AR optimization. AP and AR represent two sides of the same cash flow equation.
Best practices from AP automation often apply to AR workflows successfully.
AP automation teaches critical lessons about approval routing, exception handling, and reconciliation logic. These insights inform AR automation design:
Organizations that treat AP and AR as integrated components of working capital management achieve superior cash flow outcomes. This holistic view is essential for finance leaders optimizing their entire cash conversion cycle.
For B2B companies with e-commerce operations, embedding net terms directly into the checkout experience is critical for conversion and competitive positioning. Most B2B buyers expect net terms options.
E-commerce platforms that don't offer credit options lose sales to competitors who do.
Modern e-commerce integrations enable real-time credit decisions at the point of purchase:
This seamless experience eliminates the friction that traditionally plagued B2B e-commerce. Buyers previously had to contact sales representatives to arrange credit terms after completing their online purchase.
E-commerce platforms like Shopify, BigCommerce, and Magento support checkout extensions or payment gateway integrations. These add net terms as a payment method:
These extensions transform e-commerce platforms from simple order capture systems into full-service B2B commerce platforms. They support complex payment terms effectively.
The buyer experience for instant credit approval is remarkably simple:
For purchases up to certain limits, this entire process takes seconds rather than days. This dramatically improves conversion rates while maintaining risk controls through automated underwriting.
Resolve's net terms for ecommerce checkout integrates into your existing tech stack with a flexible API. It offers instant approvals and pays you upfront for approved invoices.
Effective cash flow management requires real-time visibility into AR performance metrics. Native ERP integrations enable finance leaders to build dashboards that surface critical KPIs.
No manual data exports or spreadsheet manipulation are required.
The most important AR metrics include:
NetSuite's saved searches and dashboard capabilities enable real-time DSO tracking:
These dashboards empower finance leaders to make proactive decisions. They can optimize credit policies, collections strategies, and cash flow management effectively.
Beyond DSO, successful AR management requires tracking multiple KPIs:
These metrics provide a comprehensive view of AR performance. They identify opportunities for process improvement effectively.
Resolve's B2B payments platform includes an AR & Credit Dashboard that helps you understand and reduce risk. Proactively manage AR and maximize customer credit lines.
Finance leaders often face a critical decision: enhance native ERP AR capabilities or implement a specialized embedded net-terms platform. The optimal choice depends on transaction volume, credit complexity, and automation requirements.
Native ERP AR modules may suffice for organizations with:
In these scenarios, the native ERP functionality provides adequate capabilities. No additional integration complexity is required.
Specialized embedded platforms become essential when organizations need:
These advanced capabilities complement rather than replace ERP functionality. They enhance the native AR module with specialized financial technology while maintaining the ERP as the system of record.
Resolve provides a better than factoring solution as non-recourse financing. It offers competitive fees for net terms invoices with high advance rates, elevating your buyer's purchasing experience as your professional AR and credit team.
Payment terms define when invoices are due and impact cash flow forecasting. Net 15 requires payment within 15 days, net 30 within 30 days, and net 60 within 60 days. ERPs automatically calculate due dates and assign invoices to aging buckets. Shorter terms accelerate cash flow but may limit sales, while longer terms support larger orders but increase DSO and credit risk exposure.
NetSuite-Salesforce integration uses middleware connectors to sync deal closure events with financial workflows. When a Salesforce opportunity reaches "Closed Won," the integration automatically creates sales orders in NetSuite with pre-populated payment terms. Upon fulfillment, NetSuite generates and delivers invoices automatically, eliminating manual data entry between systems.
Yes, AR automation shortens DSO by speeding up the invoice-to-cash process. Instant invoice delivery, automated reminders, and AI-driven reconciliation cut payment delays and cash application time, helping businesses collect faster while keeping the same contractual payment terms
Embedded platforms sync via real-time APIs that maintain the ERP as the system of record. Customer credit decisions, payment statuses, and collection activities are written to ERP custom fields rather than duplicating master data. Webhooks notify the platform of ERP events (new customers, invoices, payments) that trigger specialized workflows, ensuring data consistency across systems.
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.