Faire Net 60: How It Works and How Brands Can Offer It Themselves

Faire Net 60 allows eligible retailers to order wholesale inventory and pay up to 60 days later, while brands receive payment based on their selected payout schedule. This model has helped make extended payment terms a familiar part of wholesale purchasing. Brands that sell through their own websites, sales representatives, trade shows, or direct ordering channels can create a similar buyer experience using a B2B net terms platform that combines credit decisions, invoice advances, payments, and accounts receivable automation.

Key Takeaways

• Faire separates retailer payment timing from brand payouts: Eligible retailers can receive up to 60 days to pay, while brand payouts follow a separate schedule.
• Direct Net 60 programs preserve brand relationships: Selling directly allows brands to control customer communication, payment experiences, and account data.
• Self-funded terms create working capital pressure: Brands must continue paying suppliers and operating expenses while invoices remain outstanding.
• Credit decisions are essential: A structured underwriting process helps brands determine which buyers should receive terms and appropriate credit limits.
• Non-recourse advances support predictable cash flow: Resolve Pay can advance funds on approved invoices while buyers retain their agreed payment window.
• AR automation reduces administrative work: Automated invoicing, reminders, reconciliation, and collections help finance teams manage more accounts.
• Resolve Pay supports multiple sales channels: Brands can offer terms through ecommerce checkout, offline orders, field sales, and other B2B workflows.

Understanding Faire Net 60

Net 60 is a trade credit arrangement that gives a business buyer 60 calendar days from the invoice date to pay the amount due. For eligible Faire retailers, this payment option can provide time to receive inventory, place products in stores, and generate sales before the invoice must be paid.

The brand and retailer sides of the transaction are handled separately. The retailer receives an approved payment window, while the brand receives funds according to its selected payout arrangement. This structure prevents the retailer’s full payment period from automatically becoming the brand’s waiting period.

What Net 60 Means for Retailers

For retailers, Net 60 can help align inventory expenses with the revenue cycle. Instead of paying for merchandise before it reaches the sales floor, an eligible retailer may have time to:

• Receive and merchandise the products
• Test customer demand
• Sell part of the inventory
• Generate revenue before the due date
• Preserve cash for rent, payroll, marketing, and other expenses

Net 60 does not mean every retailer automatically receives unlimited purchasing power. Eligibility and available terms depend on the platform’s credit assessment and the retailer’s account status.

What Net 60 Means for Brands

For brands, extended terms can make wholesale purchases easier for buyers. Retailers may be more comfortable placing a larger seasonal order, trying a new product line, or reordering before existing inventory is fully sold.

However, brands that offer terms themselves must decide how they will handle:

• Credit applications and approvals
• Credit limits
• Invoice creation
• Payment reminders
• Payment reconciliation
• Overdue accounts
• Buyer defaults
• Cash flow while invoices remain unpaid

Faire manages these functions within its marketplace. Brands selling directly need their own systems or a payment partner that can support the same underlying workflows.

Why Retailers Value Extended Payment Terms

Independent retailers often operate with limited working capital. Inventory must be purchased before it can generate revenue, and seasonal buying can create large temporary cash requirements.

The Small Business Credit Survey tracks the financing needs and experiences of businesses with fewer than 500 employees. Its findings consistently show that access to financing and managing operating expenses remain important concerns for small firms.

Extended payment terms can help retailers manage this timing difference. A store may receive inventory today, sell products over the following weeks, and pay the supplier after revenue begins coming in.

Net 60 can be particularly useful for:

• Seasonal inventory purchases
• Opening a new location
• Testing an unfamiliar product category
• Preparing for holiday demand
• Restocking before earlier inventory is fully sold
• Managing uneven monthly revenue

The value comes from timing. Net terms do not eliminate the invoice, but they give the retailer more time to convert inventory into cash.

The Challenges of Offering Net 60 Directly

Brands can offer Net 60 without a marketplace, but self-managing the program introduces financial and operational responsibilities.

Cash Flow Gaps

A brand offering Net 60 must continue operating while waiting for customers to pay. Suppliers, employees, freight providers, warehouses, and other vendors may require payment well before the brand collects its invoices.

For example, a brand that issues a large volume of Net 60 invoices may have several months of expenses tied up in accounts receivable. Rapid sales growth can increase this pressure because more revenue is recorded while more cash remains unavailable.

The broader retail environment is also increasingly digital. U.S. retail ecommerce represented 16.9% of total retail sales in the first quarter of 2026. As more ordering moves online, wholesale brands need payment terms that work within digital checkout and account-management workflows.

Credit Risk

Every Net 60 invoice creates credit exposure. A buyer may pay on time, pay late, dispute the invoice, or fail to pay.

Brands need a repeatable way to review:

• Business identity
• Operating history
• Payment behavior
• Financial indicators
• Existing obligations
• Requested order size
• Potential fraud signals

A manual review may work for a small number of customers, but it becomes difficult to maintain as wholesale volume grows. Inconsistent decisions can also result in overly conservative limits for strong buyers or excessive exposure to higher-risk accounts.

Accounts Receivable Work

The work continues after credit is approved. Every invoice must be created, delivered, tracked, reconciled, and collected.

A direct Net 60 program may require the finance team to:

• Confirm invoice details
• Monitor due dates
• Send reminders
• Match payments to invoices
• Handle partial payments
• Review deductions and disputes
• Contact overdue buyers
• Update accounting records
• Adjust credit limits

Manual processes become harder to manage when orders arrive through multiple channels. A retailer may place one order through ecommerce, another through a sales representative, and a third at a trade show. Without a centralized system, the brand may not have a reliable view of the buyer’s total exposure.

Comparing Net 30, Net 60, and Net 90

Payment terms should reflect the buyer relationship, order size, industry, and seller’s risk tolerance.

Net 30

Net 30 gives the buyer 30 days from the invoice date to pay. It is commonly used for routine B2B purchases and creates a shorter receivables cycle than longer terms.

It may work well for:

• Newer customer relationships
• Smaller orders
• Frequently purchased products
• Buyers with predictable payment cycles

Net 60

Net 60 gives the buyer 60 days to pay. It can be useful when the customer needs more time to receive, stock, and sell merchandise.

It may fit:

• Wholesale retail orders
• Seasonal inventory
• Larger purchases
• Established accounts
• Buyers with longer operating cycles

Net 90

Net 90 extends the payment window to 90 days. These terms may be appropriate for selected strategic accounts, but they create a longer cash flow gap and require careful credit management.

A flexible program does not need to give every buyer the same terms. Credit limits and payment windows can be tailored based on the buyer’s profile and the seller’s policies.

How Non-Recourse Net Terms Financing Works

Net term financing separates the buyer’s payment schedule from the seller’s cash flow.

A typical transaction follows this process:

1. A business buyer applies for payment terms.
2. The buyer undergoes a business credit assessment.
3. The approved buyer places an order.
4. The seller fulfills the order and issues an invoice.
5. The financing provider advances funds on the approved invoice.
6. The buyer pays the financing provider under the agreed terms.
7. Payment activity is reconciled with the seller’s systems.

With non-recourse invoice financing, the financing provider assumes approved buyer nonpayment risk, subject to the program’s terms and exclusions. This differs from recourse financing, where the seller may be required to repurchase an unpaid invoice.

Brands should still fulfill orders correctly, maintain supporting documentation, and address valid product or invoice disputes. Non-recourse protection generally applies to approved credit losses, not to disputes caused by fulfillment errors, returns, fraud, or contractual problems.

Automating Credit Decisions and AR Management

A scalable Net 60 program requires more than financing. It also needs efficient credit, invoicing, payment, and collections workflows.

Business Credit Decisions

Resolve Pay provides AI-powered business credit checks using business information, behavioral signals, and underwriting expertise. Credit decisions and line recommendations help brands determine which buyers qualify for terms.

Depending on the workflow, a buyer can apply directly or a seller can submit basic business information for evaluation. Credit lines remain subject to verification and Resolve Pay’s approval criteria.

A structured credit process helps brands:

• Apply consistent approval standards
• Reduce manual review
• Respond to buyers faster
• Set appropriate credit limits
• Reassess accounts as payment history develops

Invoice and Reconciliation Automation

Resolve Pay’s accounts receivable automation supports invoicing, payment reminders, collections workflows, and reconciliation.

Automation can reduce the need to manually:

• Send routine reminders
• Update invoice statuses
• Match payments with open invoices
• Transfer payment data between systems
• Prepare aging reports
• Track customer payment activity

The Federal Reserve Payments Study monitors changes in ACH, card, check, wire, and other noncash payment methods. As businesses use more payment channels, automated reconciliation becomes increasingly important for maintaining accurate receivables records.

Giving Buyers a Professional Payment Experience

Retailers often work with many vendors at once. A clear payment portal helps buyers understand what they owe, when invoices are due, and how much credit remains available.

Resolve Pay’s B2B payments platform supports a branded buyer portal where customers can review and pay invoices using supported payment methods such as ACH, wire, card, or check.

A buyer-facing portal can provide:

• Open invoice visibility
• Due-date information
• Payment history
• Available payment methods
• Account statements
• Credit information
• Self-service payment capabilities

Maintaining the seller’s branding throughout the payment process also helps preserve the direct customer relationship. The brand remains the buyer’s primary commercial partner even when Resolve Pay manages payment and receivables infrastructure behind the scenes.

Offering Net 60 Across Multiple Sales Channels

Wholesale brands rarely receive orders through only one channel. A complete Net 60 program should support ecommerce, sales representatives, phone orders, email orders, trade shows, and other offline transactions.

Ecommerce Checkout

Through ecommerce net terms, eligible buyers can apply for credit or select approved terms during checkout. This reduces the need to leave the website, request an invoice manually, or wait for a separate approval process.

Sales Representatives and Trade Shows

Sales representatives can use an approved credit line when creating orders for a customer. At trade shows, brands can invite buyers to apply for terms before confirming larger purchases.

Phone and Email Orders

Orders received through email or phone can be entered into the same credit and AR system. This gives the finance team one view of each buyer’s invoices, available credit, payment history, and total exposure.

ERP and Accounting Systems

Resolve Pay offers ERP and ecommerce integrations for systems including QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento 2, and WooCommerce. Flexible APIs can support other commerce and finance workflows.

Integration capabilities may include:

• Importing customers and invoices
• Syncing transaction records
• Updating payment status
• Supporting reconciliation
• Reducing duplicate data entry
• Connecting net terms with checkout

Implementation requirements vary based on the seller’s systems, order channels, and desired workflow.

Why Resolve Pay Works for Wholesale Brands

Resolve Pay helps manufacturers, wholesalers, and distributors offer Net 30, Net 60, or Net 90 terms without building an internal credit and collections department.

The platform combines:

• AI-driven credit decisions
• Dynamic credit line recommendations
• Advances on approved invoices
• Non-recourse protection for approved credit losses
• Automated invoicing and reminders
• Collections workflows
• Payment processing
• Reconciliation support
• Branded buyer portals
• Ecommerce, accounting, and ERP integrations

Resolve Pay can advance up to 100% on qualifying approved invoices, with the actual advance determined by the buyer, transaction, and program terms. Sellers can receive funds quickly while approved buyers retain their agreed payment window.

This structure helps brands maintain direct customer relationships while providing payment flexibility similar to what retailers encounter on wholesale marketplaces. Resolve Pay operates as an embedded credit and AR partner rather than becoming the retailer’s storefront.

Brands can also use Resolve Pay for sellers to support online and offline B2B transactions from one payment and receivables workflow.

Conclusion

Resolve Pay gives wholesale brands the infrastructure to offer flexible Net 30, Net 60, Net 90, or custom payment terms without building an internal credit and accounts receivable operation. Its platform brings together business credit decisions, non-recourse advances on approved invoices, automated invoicing, payment collection, reconciliation, and branded buyer experiences.

By using Resolve Pay, brands can give qualified buyers more time to pay while receiving funds sooner on approved invoices. This helps protect working capital, reduce manual receivables work, and support larger or more frequent B2B purchases.

For manufacturers, wholesalers, and distributors that want to expand direct sales, Resolve Pay provides a scalable way to offer net terms while maintaining control of customer relationships and payment workflows.

Frequently Asked Questions

How Does Resolve Pay Support Wholesale Net 60?

Resolve Pay helps wholesale brands offer approved buyers Net 60 terms while supporting credit decisions, invoice advances, payment collection, reconciliation, and collections. Buyers keep their approved payment period while eligible sellers may receive funds earlier on qualifying invoices.

Can Resolve Pay Help a Brand Offer Net 60?

Yes. Resolve Pay allows eligible brands to offer approved business buyers Net 30, Net 60, Net 90, or custom payment arrangements. Resolve Pay can handle credit decisions, advances, payment workflows, reminders, collections, and reconciliation.

When Does a Seller Receive Payment Through Resolve Pay?

Resolve Pay can advance funds quickly on qualifying approved invoices. The exact timing and advance amount depend on the buyer, invoice, completed verification, and applicable program terms.

Does Resolve Pay Assume the Risk if a Buyer Does Not Pay?

Resolve Pay’s advances are non-recourse for approved credit losses, subject to program terms and exclusions. Sellers remain responsible for valid disputes, returns, fraud, fulfillment problems, and other non-credit issues.

Which Systems Can Resolve Pay Integrate With?

Resolve Pay supports integrations with major accounting, ERP, and ecommerce systems, including QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento 2, and WooCommerce. Flexible APIs are available for additional workflows.

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.