Lowe's combines professional credit, loyalty rewards, purchasing tools, and digital account management to support contractors and other trade professionals. The program shows how an established retailer can make repeat purchasing easier by connecting credit benefits with everyday business workflows. B2B manufacturers, distributors, and wholesalers can follow a similar model by offering flexible net terms, embedded credit applications, automated invoicing, and branded payment experiences without creating a large internal credit department or waiting weeks to collect every approved invoice.
Lowe's serves professional customers through MyLowe's Pro Rewards, business purchasing tools, and several commercial credit products. Rather than treating credit as a separate service, Lowe's connects payment options with rewards, quoting, order history, purchasing controls, and account management.
Lowe's introduced the updated MyLowe's Pro Rewards program in February 2025. The program replaced the previous MVPs Pro Rewards structure and was designed for small-to-medium professional customers.
The Lowe's model brings several purchasing benefits together:
These features reduce friction before, during, and after a purchase. Contractors do not receive only a credit line. They receive a connected system that helps them buy materials, control purchases, review transactions, and manage projects.
A business credit card and a net terms account can both increase purchasing power, but they operate differently.
A business credit card generally provides a revolving line issued by a financial institution. Purchases appear on a periodic statement, and balances may be subject to the card agreement when they are not paid as required. The card may be accepted only by the issuing retailer or across a broader payment network, depending on the product.
Net terms are invoice-based. Under Net 30, for example, the buyer generally pays the full invoice within 30 days of the date specified by the seller. Net 60 and Net 90 extend the payment period further.
Net terms are often better suited to transactions involving:
B2B sellers can offer net terms management alongside cards, ACH, wires, checks, or other approved payment methods. The goal is not to replace every payment option. It is to give business buyers a practical way to complete purchases within their established procurement process.
New businesses frequently have less financial history than established companies. That can make credit evaluation more difficult for card issuers, banks, and suppliers.
The Small Business Administration explains that lenders may consider an owner's personal credit when a new business does not yet have an established financial record. Over time, maintaining separate business accounts and a reliable payment history can help a company develop its own credit profile.
New companies may encounter:
These conditions do not automatically mean that a company is unable to pay. They mean that suppliers need an underwriting process that considers available financial, commercial, and behavioral information.
A growing company can strengthen its credit profile by:
Suppliers offering business credit checks can evaluate customers more consistently than teams relying only on informal references or sales representatives' judgment. Resolve Pay can use a business name and address to begin a discreet credit assessment, with final decisions subject to buyer verification and program requirements.
Professional customers frequently buy materials, equipment, or inventory before they receive revenue from the work those purchases support. A contractor may need products at the beginning of a project but receive customer payment only after reaching a project milestone.
Net terms help bridge that timing difference. They allow an approved buyer to receive an invoice and pay later under agreed conditions.
The Federal Reserve's payments report notes that customer payments are the primary source of cash available to many small businesses and that payment-related challenges are common. This makes payment timing relevant to both sides of a transaction.
Common structures include:
The starting date should be clearly stated in the agreement and on the invoice. Sellers should not assume that buyers will interpret the due date the same way without written terms.
A seller should consider:
Longer terms may help buyers complete larger purchases, but they also increase the time a seller's cash remains tied up. This is why a credit program must connect sales growth with underwriting, liquidity, invoicing, and collections.
Lowe's has the scale, systems, and financial partnerships required to manage a large professional credit program. Mid-market sellers need a structure that delivers similar buyer convenience without requiring the same internal resources.
A credit policy should define:
Sales, finance, and customer service teams should follow the same rules. Undocumented exceptions can create inconsistent treatment and unexpected exposure.
Traditional credit review may involve bureau reports, financial statements, bank information, trade references, and manual analysis. These sources can still be useful, but reviewing them by hand becomes difficult as application volume grows.
Modern underwriting can combine financial information, commercial records, payment history, and other approved signals. Resolve Pay's credit decisioning tools help sellers evaluate business customers while maintaining a repeatable approval process.
Credit decisions and limits remain subject to buyer verification, transaction details, risk review, and Resolve Pay's approval criteria.
When a seller funds its own terms, it ships the order and waits for payment. During that period, the invoice remains part of accounts receivable and may restrict the cash available for inventory, payroll, or operating expenses.
Resolve Pay offers a different structure for approved invoices. Eligible sellers can receive an advance while the buyer retains the agreed payment period. Resolve Pay manages credit assessment, payment servicing, and collections for covered transactions.
Resolve Pay describes its advance payments as non-recourse for approved, valid, and undisputed invoices, subject to program terms. This means the seller generally keeps the approved advance if the buyer later defaults, provided the transaction satisfies the applicable requirements.
This approach is a modern factoring alternative for businesses that want to support buyer terms without using conventional recourse arrangements.
A credit program is not complete when the buyer is approved. Sellers must still create invoices, confirm delivery, monitor due dates, process payments, resolve disputes, reconcile transactions, and communicate with overdue customers.
The Federal Reserve Payments Study tracks the continued development of cards, ACH, checks, and other noncash payment methods. B2B sellers often need to support several of these methods because business customers have different payment controls.
An accounts receivable platform can automate or coordinate:
Automation does not remove the need for finance oversight. It gives finance teams a structured workflow and reduces repetitive administrative work.
Collection communication should be accurate, professional, and proportionate to the account's status. A reminder sent before an invoice becomes overdue should not sound like a final demand.
Resolve Pay's agentic collections can support structured follow-up across approved communication channels. Workflows can respond to payment status, aging, disputes, promises to pay, and account-level rules while preserving an auditable record of activity.
Contractors have purchasing patterns that differ from those of ordinary retail customers. They may buy materials before receiving a deposit, manage several active jobs, or wait for payment from property owners and general contractors.
A contractor credit program should account for:
Offering the longest term to every customer is not necessarily the best approach. Terms should reflect the buyer's risk profile, operating cycle, and transaction history.
Net terms are often relevant for:
Resolve Pay provides specialized guidance for sellers offering construction net terms and for HVAC parts distributors. These businesses often need to balance contractor purchasing flexibility with inventory costs and receivables exposure.
Lowe's Pro program works because its benefits are connected to purchasing. Buyers can manage quotes, orders, rewards, credit, and account information through coordinated digital tools.
B2B sellers can apply the same principle even when they do not operate physical retail stores.
An effective B2B checkout can:
Resolve Pay's B2B payments platform supports embedded payment workflows and branded buyer experiences. Buyers can apply for terms during checkout, subject to verification and approval.
This matters as more purchasing activity moves online. The Census Bureau's ecommerce statistics cover digital activity across manufacturing, wholesale trade, retail, and selected service industries, showing that ecommerce is relevant beyond consumer retail.
A white-labeled portal can allow buyers to:
Keeping the seller's identity visible helps the payment process feel like part of the existing commercial relationship rather than an unrelated financing handoff.
Trade credit becomes harder to manage when customer records, invoices, orders, payments, and accounting entries live in separate systems.
Resolve Pay's integration options support ecommerce, accounting, and ERP workflows. Listed platforms include Shopify, BigCommerce, Magento, WooCommerce, QuickBooks Online, Xero, NetSuite, and Sage Intacct.
Integration availability and implementation scope depend on the seller's systems and required workflows. Resolve Pay also provides APIs for custom ecommerce implementations.
A connected workflow may exchange:
This reduces duplicate entry and helps sales and finance teams work from consistent information.
Resolve Pay helps manufacturers, distributors, wholesalers, and other B2B sellers combine credit, payment terms, advance payment, invoicing, and collections.
Resolve Pay can support:
Advance amounts, credit limits, available terms, and approval speed vary by buyer and transaction. They are not guaranteed and remain subject to verification and underwriting.
Resolve Pay publishes customer stories across equipment, construction, distribution, lighting, and other B2B sectors. For example, ConEquip expanded net terms, while Archipelago Lighting used Resolve Pay to improve its credit process and support business growth.
These examples illustrate how combining buyer credit with receivables operations can support sales without separating the customer experience from finance workflows.
Lowe's Pro program shows that business credit works best when it is part of a broader purchasing experience. Rewards, account tools, quoting, purchase authorization, credit access, and digital order management give professional customers practical reasons to continue buying through the same supplier.
B2B sellers can build a similar experience without copying Lowe's retail infrastructure. Resolve Pay brings net terms, credit decisioning, non-recourse advance payment, branded payment portals, accounts receivable automation, collections, and integrations into one platform.
For manufacturers, distributors, and wholesalers serving contractors or other repeat business buyers, Resolve Pay offers a practical way to increase purchasing flexibility while protecting cash flow and reducing the operational burden of managing credit internally. Sellers can contact Resolve Pay to discuss an embedded credit and accounts receivable program based on their customers, transaction flow, and existing systems.
Resolve Pay is a B2B payments and net terms platform that helps sellers offer flexible payment terms while improving cash flow and reducing credit risk. It combines credit decisioning, invoice advances, accounts receivable automation, payments, reconciliation, and collections in one system.
Resolve Pay can support Net 30, Net 60, Net 90, and approved custom payment terms. Available terms depend on the buyer, transaction, underwriting decision, and the seller's Resolve Pay program.
Resolve Pay can advance payment on approved invoices while the buyer keeps the agreed payment period. This allows the seller to access cash sooner instead of waiting until the invoice due date. Advance amounts and timing are subject to approval and program terms.
Resolve Pay provides non-recourse protection for qualifying approved invoices. This generally means the seller keeps the approved advance if the buyer defaults, provided the invoice is valid, undisputed, and meets the requirements in the seller's agreement.
Yes. Resolve Pay supports integrations with platforms such as Shopify, BigCommerce, Magento, WooCommerce, QuickBooks Online, Xero, NetSuite, and Sage Intacct. APIs are also available for businesses that require a custom integration.
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.