How a Strategic Partnership Between Hammer, Commerce, and Resolve Unlocked 75% Growth for Nandansons

By replacing a fragmented, multi-vendor payment process with one unified solution, the partners eliminated friction and fuelled a major increase in transaction volume.


Customer Snapshot

After moving their operations out of New York in 2004, Nandansons focused on improving efficiency and scale. Their organized trading systems and infrastructure allow them to serve their retail partners quickly, reliably, and profitably.

The Challenge

As Nandansons expanded their e-commerce channel, managing buyer credit became a 
significant bottleneck. Their process was fragmented across two separate "Buy Now, Pay Later"
providers, creating inefficiencies for their team and a disjointed customer experience. The core 
issue was that each provider operated with a different risk appetite, forcing the Nandansons 
team to shuffle buyers between systems to find an approval.

This split workflow began with their primary automated credit platform, which offered a credit 
card checkout and required buyers to use Plaid for underwriting. This rigid, automated-only 
approach created a hard stop for any customer who couldn't connect their bank account.

Those buyers were then rerouted to a secondary B2B credit vendor whose sole purpose was to 
manage a completely manual workflow, involving paper applications and offline reviews. This 
process was slow, cumbersome, and created the exact administrative burden Nandansons 
wanted to eliminate, completely undermining their goal of a seamless online experience.

Ultimately, the team realized their needs went beyond just fixing their net terms program. They 
sought a single, comprehensive solution that could unify their entire B2B payment stack. Their 
goal was to find a partner capable of handling both flexible net terms and standard credit card 
transactions within one seamless checkout, finally eliminating the complexity of managing 
multiple vendors

The Turning Point

That’s when Hammer, one of Resolve’s trusted partners, stepped in.

Hammer recognized that Resolve was built to solve the exact issue Nandansons was
experiencing. Resolve’s single, flexible platform combined fast, automated underwriting with the
option for a seamless manual review, eliminating the "Plaid-or-nothing" dead end. More
importantly, Resolve's robust credit engine had a broader risk appetite, allowing Nandansons to
safely approve more buyers than their previous providers combined and ending the frustrating
process of shuffling customers between systems. Through its partnership with Commerce,
Resolve embedded its net terms solution directly into Nandansons' ecommerce store, allowing
them to offer flexible 30, 60, or 90-day terms.

As Matthew Putnam, Managing Director at Hammer shared:

“Our goal is always to help our clients grow sales and improve conversions by pairing the right technology with their eCommerce vision. Resolve gives us a powerful solution to do exactly that. By embedding flexible net terms directly into the buying experience, we can help merchants like Nandansons unlock more revenue and deliver a checkout that truly works for B2B.”

The Solution

A Seamless Checkout Experience on Commerce

Resolve replaced Nandansons' fragmented two-vendor system with a single, elegant solution 
embedded directly into their Commerce storefront. For the first time, every buyer encountered 
the same seamless and professional credit application. Whether a customer was approved 
instantly through Resolve's automated engine or required a quick manual review, the 
experience was consistent and handled within one platform. This eliminated the jarring process 
of rerouting buyers and immediately improved customer confidence at the point of purchase.

As Alec Berkley, Senior Director at Commerce shared:

"Our partnership with Resolve empowers merchants like Nandansons to offer modern B2B purchasing experiences without added complexity. Together, we're helping brands unlock new growth by combining Commerce's flexible B2B platform with Resolve's embedded credit capabilities, all within a seamless buyer journey."

Alec Berkley, Senior Director|Commerce

COMMERCE

Broader Approvals with Zero Credit Risk

Behind the scenes, Resolve’s powerful credit engine delivered on its promise. Its flexible 
underwriting model and broader risk appetite meant Nandansons could extend terms to a wider range of buyers, including sole proprietors who previously didn't qualify.

This expansion came with complete peace of mind. Because Resolve’s net terms are non-
recourse, Nandansons received payment upfront for every approved order while 100% of the 
credit risk and collections responsibility was transferred to Resolve.

As Ankit Gupta, CFO at Nandansons International put it:

“Resolve Pay has been an absolute game changer for my business. The platform is 
incredibly easy to use, fast, and reliable. What I appreciate most is how transparent 
and straightforward the process is, no hidden fees, just smooth transactions.”

The Results

The impact was immediate. Within a month of launching Resolve, Nandansons saw a 75% 
month-over-month increase in financed transaction volume, nearly doubling their sales 
through net terms. This growth was driven directly by Resolve's higher approval rates and a 
frictionless application process that converted more buyers who zpreviously would have been 
lost in a fragmented workflow.

Operationally, the change was transformative. The finance team was no longer burdened with 
managing a complex, two-vendor system or manually shuffling buyers between different 
processes. With Resolve handling everything from credit approvals (both automated and 
manual) to invoicing and collections in one place, the administrative hours spent on payment-
related tasks dropped dramatically.

As Ankit Gupta (CFO at Nandansons International) described it:

“Thanks to ResolvePay, I’ve been able to streamline payments and focus more on 
growth. Highly recommend to anyone looking for a dependable payment solution!”

The Takeaway

Nandansons' success story is a powerful example of the modern B2B e-commerce ecosystem 
in action. It shows that scalable growth comes from the seamless collaboration between a 
visionary merchant, a strategic agency, and an integrated technology stack.

The true solution wasn't just one product, but the unified partnership between Hammer, 
Commerce and Resolve. Hammer correctly diagnosed that Nandansons' fragmented payment 
process was the primary bottleneck. By leveraging the flexibility of the Commerce platform, they
integrated Resolve as the single, unified solution that finally solved the complex challenge of 
B2B credit.

This collaboration allowed Nandansons to move beyond a disjointed workflow, creating a simple
and reliable payments system that serves all of their customers and is built for growth.

FAQ