How Valley Tech Boosted Purchasing Power with Zero-Friction Net Terms

A four-person security company finally found net terms that didn't require an accounting department to apply for.

Customer Snapshot

Valley Tech installs security systems for construction and commercial clients. With a team of four and no dedicated accounting staff, owner Aaron manages operations, sales, and the constant routine of keeping cash flow moving so jobs stay on schedule.

The Challenge

Aaron's vendors offered payment terms. On paper.

In practice, applying for those terms meant three-to-five page applications, bank statements, trade references, and financial documentation. For a small team without an accounting department, the paperwork was a non-starter.

"When I'm asked if I want terms with my other distributors, they need copious amounts of information from me. And I'm a busy guy, and I don't have time to fill it out. So I don't. I just pay in advance, or ACH, or credit card."

"I don't know who has time to do that unless you have an actual accounting department. We're a four-man company. I kind of wear a lot of hats."

So Aaron paid upfront. Every time. Even when a client's check was already in the mail but hadn't landed yet. Even when floating the cash meant stretching his own resources thin.

The terms existed. The friction made them unusable.

The Critical Point

Nelly Security, one of Aaron's regular suppliers, started offering net terms through Resolve. Aaron expected the usual drill: more paperwork, more waiting, more reasons to just pay upfront instead.

What he found was different.

"It was so easy to get set up with Resolve through Nelly Security and get that going."

The Solution

Frictionless Setup

Cash Flow That Matches Real Business Timing

When a client's payment is in transit, but equipment needs to be shipped, Aaron places the order through Resolve. Nelly’s Security gets paid right away. The equipment moves. By the time it arrives, the client's check has usually landed, and Aaron pays off the balance.

"We know the check's mailed, but we don't have the funds in our bank account. We can hit up Resolve, and Nelly's can get paid right away. That way, we can get the equipment coming, so hopefully the equipment's being delivered at the same time as their check, so that we can pay it off as soon as possible. It's been super helpful."

Credit That Grows With the Business

As Valley Tech took on larger projects, Aaron's purchasing needs grew. He mentioned it to Mason, his sales engineer at Nelly’s Security, and his credit line increased from $10,000 to $12,000, then to $15,000. No new applications. No resubmitting documents.

"When I get credit increases, it's mostly because I need to make a purchase that is larger than what my credit card will allow. By utilizing Resolve, I can get the purchase coming, and then pay you guys in a couple of different payments. I felt a very low impact on it."

A Portal That Stays Out of the Way

"The way you guys have your system laid out is very easy to use. Very easy to navigate. No hardships are trying to figure out how to place the order. That dashboard was super easy to use and very convenient."

When asked what Resolve could improve, Aaron paused. He couldn't think of anything.

The Results

• 50% Growth in Purchasing Power: Aaron’s credit line scaled from $10k to $15k automatically, allowing him to bid on larger jobs without tapping personal funds.

• Accelerated Cash Cycle: Equipment now ships immediately. Valley Tech installs and invoices before the bill is due, aligning expenses with revenue.

• 100% Adoption Rate: While Aaron ignores the paper-heavy terms offered by other vendors, he actively utilizes his Resolve line, making Nelly Security his preferred distributor.

Aaron still works with distributors who offer in-house terms. He still doesn't use them.

"With the other guys, I think they're doing the payment plans in-house, because they're asking for copious amounts of information. It's like 3-5 page documents."

The Takeaway

Most B2B buyers have access to payment terms somewhere in their vendor network. Few actually use them. The applications are too long. The process takes too much time. For small teams without dedicated finance staff, the friction outweighs the benefit.

Resolve removes that friction. For merchants like Nelly’s Security, that means more buyers completing purchases confidently. For buyers like Valley Tech, it means finally using the flexibility they were always technically offered.

With Resolve, Aaron says yes.

Frequently Asked Questions

What is Resolve Pay and how does it work for buyers?

Resolve Pay is a B2B BNPL net terms solution that allows business buyers to access flexible payment terms when purchasing from participating merchants. Unlike traditional vendor credit programs that require lengthy applications, Resolve offers a streamlined one-page application with fast approval. This gives buyers immediate access to net 30 payment terms without extensive paperwork.

How do I apply for Resolve Pay net terms?

Applying for Resolve net terms takes just a few minutes through a single-page digital application. You'll provide basic business information only. No bank statements, trade references, or financial documentation required. Most buyers receive approval the same day and can begin using their credit line immediately.

Who is eligible for Resolve Pay buyer financing?

Resolve is designed for B2B buyers of all sizes, from small businesses with no dedicated accounting staff to larger operations. Businesses across industries including security, construction, manufacturing, distribution, and wholesale have successfully used Resolve. There's no strict minimum company size or revenue threshold. Credit limits are tailored to each business's profile and purchasing needs.

What credit limit can I get with Resolve Pay?

Your initial Resolve credit limit is determined through a quick digital assessment of your business. Credit limits typically start based on your business profile and can increase over time as your purchasing needs grow. For example, buyers have seen their limits grow from $10,000 to $15,000, a 50% increase, without submitting new applications or documentation.

How do Resolve Pay credit limit increases work?

Requesting a credit limit increase with Resolve requires no new application or document resubmission. Simply contact your sales representative at the merchant and your limit can be adjusted based on your purchasing history and business needs. This allows your credit to scale alongside your business growth.

What payment terms does Resolve Pay offer buyers?

Resolve typically offers net 30 payment terms, allowing buyers to receive goods immediately while deferring payment for 30 days. This helps businesses align expenses with incoming revenue. For example, you can order equipment while a client's payment is in transit, then pay off the balance once funds arrive.

Can I split purchases into multiple payments with Resolve?

Yes. Resolve allows buyers to break larger purchases into multiple smaller payments, reducing the impact on cash flow. This flexibility makes it easier to take on larger projects without straining working capital or dipping into personal funds.

How do I make payments on my Resolve account?

Payments are made through the Resolve buyer portal. From there you can view your current balance, track orders, and submit payments. You can also pay off your balance early at any time if it suits your cash flow.

Is the Resolve Pay buyer portal easy to use?

Yes. The Resolve dashboard is designed for simplicity and ease of navigation. Buyers can quickly view order history, check balances, track upcoming payments, and manage their account without complexity or a steep learning curve.

How is Resolve Pay different from traditional vendor net terms?

Traditional vendor net terms often require 3 to 5 page applications, bank statements, trade references, and days of waiting for approval. Many small businesses skip these programs entirely due to the friction involved. Resolve eliminates this barrier with a one-page application, no extensive documentation, and fast approval. This makes net terms accessible to businesses that previously paid upfront by default.

What happens to my vendor when I pay with Resolve Pay?

When you use Resolve, your vendor gets paid immediately by Resolve. You then pay Resolve according to your net terms. This benefits both parties. Merchants receive faster payment and reduced credit risk, while buyers get the flexibility to manage cash flow on their own schedule.