Jul 30, 2026
Contractors buying materials from home improvement retailers must keep job sites supplied while maintaining enough working capital for payroll, equipment, subcontractors, and other expenses. Lowe's MyLowe's Pro Rewards and Home Depot's Pro Xtra provide loyalty benefits, purchasing controls, account management tools, and access to business credit products. For contractors who also sell products or services to other companies, these programs illustrate why buyers value convenience and flexible purchasing options. Suppliers can apply similar principles by offering approved customers B2B net terms without managing every credit, invoicing, and collection task internally.
Key Takeaways
- Lowe's rewards Pro customers immediately: MyLowe's Pro Rewards lets eligible business customers earn points from their first qualifying purchase.
- Both programs provide business management tools: Lowe's and Home Depot offer purchase tracking, employee authorization features, digital account access, and benefits that increase with engagement.
- Retail credit and loyalty are separate: Contractors can join the Lowe's loyalty program without opening a Lowe's business credit account.
- Program benefits can change: Spending tiers, rewards, shipping rules, credit terms, and promotional benefits should always be confirmed through the retailer's current terms.
- Suppliers can offer similar flexibility: Resolve Pay helps qualified B2B sellers provide approved payment terms while automating credit, invoicing, payment, and collection workflows.
- Resolve Pay protects supplier cash flow: Approved sellers can receive an advance on eligible invoices while buyers retain their approved payment period.
Understanding the Lowe's Pro Account
Lowe's updated its former MVPs Pro Rewards program and launched MyLowe's Pro Rewards nationwide in February 2025. The free loyalty program is designed for contractors, property professionals, tradespeople, and other business customers.
MyLowe's Pro Rewards should not be confused with a credit account. A business can join the loyalty program without applying for a Lowe's credit product. Credit approval, account limits, financing terms, and payment requirements are governed separately by the relevant card or commercial account agreement.
Key Benefits of MyLowe's Pro Rewards
The program provides a points-based structure and a collection of purchasing tools intended to help business customers manage frequent transactions.
Core features include:
- Points earned on qualifying purchases
- MyLowe's Money and other eligible rewards
- Member-only offers
- Purchase history and spending reports
- Online order quoting
- Employee purchase authorization
- Delivery or shipping benefits, subject to exclusions
- Paint-related benefits after meeting applicable program requirements
- Tier-based benefits that increase with qualifying annual activity
Lowe states that points earned during each half of the calendar year expire at the end of that same earning period. Contractors should therefore review their account regularly and redeem available rewards before the applicable expiration date.
Who Can Benefit From a Lowe's Pro Account?
The program is designed for professionals who make recurring purchases for jobs, properties, or business operations. Potential users include:
- General contractors coordinating multiple job sites
- Remodelers purchasing materials for active projects
- Electricians, plumbers, and HVAC professionals
- Property managers responsible for repairs and maintenance
- Landscapers and facilities teams
- Small construction and building-service companies
The greatest value generally comes from linking qualifying purchases to one business account. Centralized purchasing makes it easier to monitor spending, retrieve receipts, review employee activity, and organize transactions for bookkeeping.
Applying for and Managing a Lowe's Pro Account
Businesses can register for MyLowe's Pro Rewards online or through a Lowe's Pro Desk. Enrollment generally requires contact and business information, but joining the rewards program does not automatically provide business credit.
Account Access and Login Options
Members can manage their accounts through:
- The Lowe's website: Business users can sign in to view orders, rewards, quotes, and purchase history.
- The Lowe's mobile app: The app supports purchasing and account-management functions for Pro customers.
- In-store identification: Members can associate qualifying transactions with their account at checkout.
- The Pro Desk: Store associates can help with quotes, large orders, account questions, and available Pro services.
Account owners should confirm that employees use the correct business profile when making purchases. Transactions completed under a personal account or without the appropriate member identification may not receive the intended business rewards.
Purchase Authorization and Employee Controls
Purchase authorization tools can help contractors delegate buying without giving every employee unrestricted access to the company account. Depending on the selected account setup, an owner or administrator may be able to:
- Add authorized purchasers
- Review employee transactions
- Approve purchases remotely
- Maintain itemized purchase records
- Organize orders by project or purchase order
- Restrict access to selected payment methods
These controls are particularly useful for contractors managing several crews or job sites.
How Lowe's Pro Credit Works
Lowe's offers business credit products that may provide purchasing benefits, account reporting, and payment options. These products are separate from MyLowe's Pro Rewards and require an application and credit approval.
Understanding Lowe's Business Credit Options
Available products may include a revolving business credit card and commercial account options. Features vary by product and may include:
- Monthly statements
- Itemized transaction records
- Authorized-buyer controls
- Integration with a MyLowe's Pro Rewards account
- Purchasing benefits on eligible transactions
- Online account management
Contractors should review the current cardholder or commercial account agreement before applying. Interest, payment schedules, account limits, late-payment terms, and promotional offers can change and may differ between products.
A loyalty membership does not guarantee approval for credit. Approval and account conditions depend on the issuer's underwriting criteria and the information provided in the application.
Credit Accounts Versus Net Payment Terms
A retailer credit card and a supplier's net terms program solve related but different problems.
A revolving credit account allows approved buyers to make purchases and repay the card issuer under the account agreement. Net terms allow an approved business buyer to receive an invoice and pay the seller by an agreed due date, such as Net 30 or Net 60.
For suppliers, extending terms directly can create a working capital gap. The seller may need to purchase inventory, pay employees, and fund operations while waiting for customers to pay. Careful business credit checks help determine which buyers should receive terms and how much credit exposure is appropriate.
Understanding Home Depot Pro Xtra
Home Depot introduced an expanded three-tier Pro Xtra structure in 2023. The program is designed for professional contractors and builders and provides benefits that develop as members record qualifying purchases and engage with the program.
Key Pro Xtra Features
Pro Xtra may provide access to:
- Purchase tracking
- Digital receipts
- Business tools
- Member offers
- Paint rewards
- Volume-purchase support
- Employee purchase authorization
- Pro Desk assistance
- Tier-based benefits
- Equipment and tool rental services where available
Home Depot's Text2Confirm feature can allow an authorized employee to request approval for a purchase. The account owner receives a message and can approve or reject the transaction, helping the business maintain purchasing oversight.
Pro Xtra Membership Tiers
Pro Xtra uses Member, Elite, and VIP tiers. Benefits depend on qualifying activity and current program rules. Because tier requirements and included benefits may change, contractors should use the Pro Xtra dashboard or consult the retailer directly rather than relying on older third-party summaries.
Lowe's Pro Account Versus Home Depot Pro Xtra
Both programs are intended to increase convenience and loyalty among professional customers. The better fit depends on where a contractor operates, what materials the business purchases, which digital tools it uses, and which stores can reliably fulfill its orders.
Where Lowe's May Fit
MyLowe's Pro Rewards may suit contractors who value:
- Points earned from the first qualifying purchase
- Online quoting and purchase management
- Employee purchase authorization
- Spend reporting and analytics
- Rewards that can be redeemed through the Lowe's program
- Lowe's product availability in their service area
- Digital tools designed for small and midsize Pro customers
Lowe's has continued expanding its Pro experience with digital quoting, extended product access, and business-management capabilities. Contractors should evaluate actual product availability and fulfillment performance in the markets where they operate.
Where Home Depot May Fit
Pro Xtra may suit contractors who value:
- Home Depot's local store coverage
- Pro Desk support
- Purchase tracking and digital receipts
- Tool or equipment rentals where available
- Text-based employee purchase approval
- Project-management tools
- Volume-order support
- Tiered loyalty benefits
Neither retailer is automatically the right choice for every contractor. Inventory, delivery capacity, store service, project location, brand preferences, and account-management needs often matter more than a single loyalty benefit.
Evaluating Both Programs
Contractors comparing the programs should consider:
- Which retailer stocks the materials used most frequently?
- Which stores are closest to active job sites?
- How reliable are local delivery and pickup services?
- Can purchases be assigned to jobs or purchase orders?
- Which employee controls are available?
- How easily can transaction data be exported into accounting systems?
- What happens to rewards when the account is inactive?
- Which credit agreement best matches the company's repayment capacity?
A contractor may maintain accounts with both retailers when doing so improves product access and operational flexibility. However, purchases should be consolidated when possible so the business can simplify reconciliation and make effective use of each program.
Moving Beyond Retailer Accounts
Retail Pro accounts help contractors organize purchases, but manufacturers, wholesalers, and distributors face the reverse side of the transaction. Their customers may want time to pay, while the supplier needs cash sooner.
The Working Capital Challenge
When a supplier offers Net 30, Net 60, or another approved payment schedule, the invoice remains in accounts receivable until payment arrives. This can affect the seller's ability to replenish inventory, take larger orders, pay employees, or invest in growth.
The Federal Reserve's payment research reflects the continued shift toward digital business payment processes. However, digitizing a payment method alone does not address underwriting, credit limits, reminders, disputes, or collection workflows.
A complete terms program requires the seller to manage:
- Credit applications
- Buyer verification
- Credit limits
- Invoice delivery
- Payment reminders
- Reconciliation
- Past-due accounts
- Customer communication
- Cash flow forecasting
Resolve Pay brings these functions together through accounts receivable automation.
Streamlining Contractor-Supply Payments
Suppliers serving contractors often process a high number of repeat orders across telephone sales, field representatives, ecommerce stores, and purchase orders. A fragmented credit process can slow approval and create inconsistent customer experiences.
Automating Credit and Accounts Receivable
Resolve Pay can support the credit-to-cash workflow by helping sellers:
- Evaluate business buyers
- Provide approved net payment terms
- Generate and manage invoices
- Send automated reminders
- Accept ACH, wire, card, and check payments
- Reconcile transaction data
- Manage collection workflows
- Connect with supported ecommerce and accounting systems
Its B2B payments platform centralizes these processes while allowing the seller to maintain a branded buyer experience.
Resolve Pay also supports financial system integrations with platforms used across ecommerce, ERP, and accounting workflows. Available integrations and implementation requirements depend on the seller's technology stack.
Supporting Buyer Relationships
Payment flexibility can strengthen commercial relationships when it is supported by consistent credit policies. Buyers gain time to complete projects, install materials, or collect from their own customers. Sellers gain a structured process for determining eligibility and managing receivables.
Resolve Pay's white-labeled workflows allow the supplier to remain the primary customer-facing brand. Buyers can apply for terms, review invoices, and submit payments through a professional payment experience connected to the seller.
AI-Powered Underwriting and Non-Recourse Advances
Manual credit reviews can require trade references, financial documents, bureau data, and staff analysis. Resolve Pay combines data-driven underwriting with credit expertise to make decisions more efficiently.
Faster Business Credit Decisions
Resolve Pay's credit process can use business information, payment behavior, financial signals, and other relevant data to assess an applicant. Some eligible transactions may receive rapid decisions, while other applicants may require additional verification.
Approval is not guaranteed. Credit lines, terms, and advance amounts remain subject to Resolve Pay's review and buyer verification.
Non-Recourse Invoice Advancement
Resolve Pay offers non-recourse advances on approved invoices. Under this structure, the seller can receive an advance while the approved buyer pays according to the agreed terms. For eligible invoices, the seller does not have to repay the advance solely because the approved buyer fails to pay, subject to the applicable program conditions.
This differs from recourse arrangements that may require the seller to repurchase or replace an unpaid invoice. Suppliers reviewing their options can learn more about Resolve Pay as a modern factoring alternative.
How Resolve Pay Helps Contractor Suppliers
Resolve Pay is built for B2B manufacturers, distributors, wholesalers, and merchants that want to offer payment flexibility without operating an entire credit and collections department internally.
The platform combines:
- AI-supported credit decisions
- Approved net payment terms
- Non-recourse invoice advancement
- Automated invoicing
- Payment reminders
- Collections workflows
- Branded buyer portals
- Multiple payment methods
- Accounting, ERP, and ecommerce integrations
For eligible approved invoices, sellers may receive an advance within approximately one business day while the buyer retains the approved payment period. Advance amounts and buyer credit limits depend on verification, underwriting, and program terms.
Resolve Pay therefore extends the convenience demonstrated by retailer Pro programs into the supplier-customer relationship. Contractors gain buying power, while suppliers can accelerate cash flow and reduce the administrative burden associated with managing terms.
Conclusion
Lowe's MyLowe's Pro Rewards and Home Depot Pro Xtra can help contractors organize purchases, track employee activity, access business services, and receive loyalty benefits. Their value depends on local inventory, fulfillment performance, project needs, account controls, and current program terms.
For manufacturers and distributors selling to contractors, the larger lesson is that purchasing flexibility can support stronger customer relationships. Resolve Pay helps sellers put that principle into practice through net terms management, credit underwriting, non-recourse advances, accounts receivable automation, payment processing, and collections support. This gives approved buyers more time to pay while helping suppliers protect working capital and focus on growth.
Frequently Asked Questions
Can a business join MyLowe's Pro Rewards without opening a credit account?
Yes. MyLowe's Pro Rewards is a loyalty program, and Lowe's states that membership does not require a Lowe's credit card. Business credit products require a separate application and approval.
Do MyLowe's Pro Rewards points expire?
Yes. Lowe's currently uses semiannual earning and expiration periods. Members should check the dates displayed in their account because program rules may change.
Can employees make purchases through a Pro account?
Both Lowe's and Home Depot provide tools that can support authorized employee purchases. Account owners should configure users, approval rules, spending controls, and payment access according to their internal purchasing policies.
How can suppliers offer contractors net terms without waiting for payment?
A supplier can use Resolve Pay to evaluate buyers, approve eligible terms, and request an advance on approved invoices. The buyer pays through the agreed workflow while Resolve Pay supports invoicing, reminders, payment processing, and collections.
Does Resolve Pay assume all risk on every invoice?
Resolve Pay provides non-recourse advances for approved invoices, subject to verification and program requirements. Buyer approval, credit limits, invoice eligibility, advance amounts, and other conditions are determined through underwriting.
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.
