Best Net Terms Solutions for HVAC Equipment Manufacturing

HVAC equipment manufacturers face a critical operational challenge: investing significant capital in components like compressors, heat exchangers, and specialized materials to fulfill orders, while commercial customers demand 60-90 days to pay. This cash flow gap can strain even profitable operations, especially given that 50% of B2B invoices are paid late. For manufacturers looking to offer competitive payment terms while maintaining healthy cash flow, Resolve's B2B Net Terms platform provides a comprehensive solution that addresses these specific industry challenges.

Key Takeaways

• HVAC equipment manufacturers need net terms solutions that provide immediate working capital while allowing customers extended payment periods (30-90 days)
• Non-recourse financing eliminates credit risk while providing rapid funding, addressing the industry's cash flow challenges from large equipment purchases
• AI-powered platforms deliver instant credit decisions and automated accounts receivable workflows, reducing manual processing for complex HVAC invoices
• Comprehensive platforms integrate credit decisions, financing, and AR management into a single infrastructure, streamlining operations
• Industry-specific solutions offer features tailored to equipment manufacturing, including seasonal demand management and project financing support
• Global HVAC manufacturers benefit from platforms with international capabilities and multi-currency support
• Seamless ERP and accounting integrations enable efficient financial management across the entire credit-to-cash lifecycle

1. Resolve Pay - Comprehensive Non-Recourse B2B Financing Platform

Resolve Pay offers HVAC equipment manufacturers a unique advantage: 100% non-recourse financing that eliminates credit risk while providing instant approvals and 24-hour funding. Unlike traditional factoring or payment processors, Resolve takes on the credit assessment, credit decision, and majority risk of late payments or defaults, allowing HVAC companies to offer net terms without jeopardizing their cash flow.

Best For

HVAC equipment manufacturers need to offer net terms without credit risk, with instant approvals supporting high-value B2B transactions.

Key Features

• 100% non-recourse financing eliminates merchant credit risk completely
• AI-powered instant credit decisions with up to 100% invoice advance
• Enterprise ERP integration supporting QuickBooks, Oracle, and leading ecommerce platforms
• Automated AR workflow with payment reminders and collections management
• 24-hour funding cycles that address extended payment term challenges
• Seamless integration with Accounts Receivable with AI-Powered Automation

HVAC Manufacturing Benefits

Resolve's platform is particularly valuable for HVAC manufacturers who need to extend credit to contractors, distributors, and commercial clients while maintaining healthy cash flow. The platform's ability to advance up to 100% of invoice value within 24 hours directly addresses the industry's extended payment cycle challenges. With seasonal demand fluctuations common in HVAC, having immediate access to working capital enables manufacturers to maintain inventory levels and fulfill large orders without cash flow constraints.

The non-recourse nature of Resolve's financing means HVAC manufacturers can confidently offer competitive payment terms to grow their customer base without worrying about default risk. This is particularly valuable in the HVAC sector where building long-term relationships with contractors and distributors often requires flexible credit terms.

Customer Validation

"Trenchless Supply reduced AR management work by 90%, transforming three-person departments into single part-time roles," demonstrating the operational efficiency gains possible with comprehensive AR automation.

Resolve's AI-powered underwriting provides instant credit approvals compared to the multi-day processes typical of traditional methods, enabling HVAC manufacturers to respond quickly to customer orders. The platform's automated collections management reduces the administrative burden on AR teams while maintaining professional customer relationships.

2. TreviPay

TreviPay brings over 40 years of B2B payments experience to HVAC manufacturers, processing over $6 billion annually across 32 countries. Their platform combines guaranteed settlement with predictable DSO and omnichannel support for online, in-store, and sales rep channels.

Enterprise HVAC manufacturers with international operations or large enterprise customers requiring global payment capabilities.

Key Features

• Guaranteed settlement with predictable DSO
• Omnichannel support (online, in-store, sales rep channels)
• Partnership with Allianz Trade for risk management
• Over 40 years of B2B payments experience
• Operations across 32 countries with multi-currency support

TreviPay's enterprise-grade global operations make it suitable for HVAC manufacturers serving international markets or large enterprise customers. The guaranteed settlement feature provides predictable cash flow, which is essential for managing the capital-intensive nature of HVAC equipment manufacturing. Their partnership with Allianz Trade provides additional risk management capabilities for international transactions.

3. Billtrust

Billtrust processes over $1 trillion in invoice value annually and has 24+ years of experience in accounts receivable automation. Their platform features AI-powered cash application achieving 90%+ automated match rates and was the first to deploy generative AI in accounts receivable.

HVAC manufacturers with complex AR needs require enterprise-grade invoice processing without net terms financing.

Key Features

• AI-powered cash application achieving 90%+ automated match rates
• 40+ ERP connectors ensuring seamless integration
• First platform to deploy generative AI in accounts receivable
• 260+ AP portal integrations for comprehensive customer connectivity
• Dedicated heavy machinery & equipment industry solutions

Billtrust's dedicated heavy machinery & equipment industry solutions specifically address HVAC manufacturer needs. The high automation match rates significantly reduce manual processing time for complex HVAC invoices, which often include multiple line items for equipment, installation services, and parts. Their extensive ERP connectors ensure seamless integration with existing financial systems commonly used in manufacturing.

4.  FundThrough

FundThrough offers high advance rates on invoices in the invoice factoring industry. Their AI-powered platform integrates with QuickBooks and provides next-business-day funding after approval.

HVAC manufacturers need maximum immediate cash access with high advance rates on invoices.

Key Features

• High advance rates on invoice value upfront
• Next business day funding after approval
• AI-powered platform with QuickBooks integration
• No long-term contracts required
• Manufacturing industry specialization

FundThrough's high advance rates provide substantial invoice value immediately, enabling HVAC manufacturers to purchase expensive components like compressors, heat exchangers, and specialized materials without waiting for customer payments. This is particularly valuable for manufacturers fulfilling large orders or managing seasonal inventory builds. FundThrough operates as a traditional factoring-style solution, so manufacturers should confirm the specific risk structure and repayment obligations that apply to their program.

5. Credit Key

Credit Key offers B2B net terms and pay-over-time solutions with rapid merchant settlement—typically around 48 hours. Founded in 2015, they provide net terms from 30 days to 12 months and focus on B2B sectors including wholesale distribution and technology.

HVAC manufacturers prioritizing rapid merchant settlement with flexible term options up to 12 months.

Key Features

• Rapid merchant payment settlement
• Net terms from 30 days to 12 months available
• Focus on B2B credit at point of purchase
• Fast credit decisions for B2B buyers

Credit Key's rapid settlement provides HVAC manufacturers with quick access to working capital, which is essential for managing the cash flow gap between purchasing components and receiving customer payments. Their flexible term options up to 12 months allow manufacturers to offer extended payment terms for large equipment installations or multi-phase projects.

6. Balance

Balance positions itself as a financial infrastructure layer for B2B commerce, offering digital trade credit with terms up to Net 90. The platform assumes all credit risk and specializes in marketplace and platform businesses.

HVAC manufacturers selling through online marketplaces or building their own B2B commerce platforms.

Key Features

• Digital trade credit with terms up to Net 90
• Platform assumes all credit risk
• Specialized for marketplaces and platform businesses
• Embedded financial solution for B2B commerce

Balance is suitable for HVAC manufacturers who sell through online marketplaces or are building their own B2B ecommerce platforms. The complete credit risk assumption means manufacturers never bear buyer default risk, which is particularly valuable when selling to new customers discovered through marketplace channels. Their Net 90 terms align well with the extended payment expectations common in commercial HVAC projects.

7. Fundbox

Fundbox offers small business financing with accessible barriers to entry, requiring a 600+ credit score, $100,000 annual revenue, and 3 months of transaction history. Their transparent fee structure provides clear cost expectations for manufacturers.

Newer HVAC manufacturers or those with limited credit history needing accessible financing options.

Key Features

• Accessible entry requirements—600+ credit score, $100,000 annual revenue, 3 months history
• Transparent fee structure
• AI-powered platform with QuickBooks integration
• No long-term contracts required

Fundbox is accessible for newer HVAC manufacturers or those building credit history. This makes it suitable for startups or small manufacturers who may not yet qualify for more comprehensive platforms but still need working capital to support growth. Manufacturers should review the fee structure carefully to ensure it aligns with their financing needs.

8. BlueVine

BlueVine provides a complete business banking platform alongside credit facilities, with invoice factoring now provided through FundThrough, which acquired BlueVine's factoring business. BlueVine now offers invoice factoring through its partnership with FundThrough, while BlueVine's own financing products have separate eligibility requirements.

HVAC manufacturers want to consolidate banking and financing in one relationship.

Key Features

• Complete banking platform alongside credit facilities
• Invoice factoring through FundThrough partnership
• Banking and financing integrated in one platform
• Comprehensive financial services suite

BlueVine is suitable for HVAC manufacturers wanting to consolidate their financial operations into a single relationship. The integration of banking and financing simplifies financial management, while their partnership with FundThrough provides access to invoice factoring services. This comprehensive approach can reduce the complexity of managing multiple financial relationships.

9. Bill.com

Bill.com offers accessible AP/AR automation, with automated workflows and seamless QuickBooks and Xero integration. Their user-friendly interface requires minimal training, making it ideal for smaller businesses.

Smaller HVAC manufacturers needing affordable AP/AR automation without net terms financing.

Key Features

• Automated AP/AR workflows
• QuickBooks and Xero integration
• User-friendly interface requiring minimal training

Bill.com provides affordable AP/AR automation for smaller HVAC manufacturers, streamlining invoice processing and payment workflows. However, it's important to note that Bill.com focuses on automating existing payment processes rather than providing net terms financing or working capital advances. This makes it suitable for manufacturers with adequate cash flow who primarily need process efficiency.

10. Tipalti

Tipalti specializes in global AP automation and mass payouts, supporting 120+ currencies across 200+ countries. Their platform features automated supplier onboarding with compliance verification and built-in tax compliance for W-8/W-9 collection.

HVAC manufacturers with complex international supply chains need to streamline supplier payments.

Key Features

• 120+ currencies across 200+ countries
• Automated supplier onboarding with compliance verification
• Built-in tax compliance (W-8/W-9 collection)
• Global payment distribution capabilities

Tipalti is suitable for HVAC manufacturers with complex international supply chains needing to streamline payments to component suppliers and contractors while ensuring tax compliance for international supplier payments. Their automated tax compliance reduces administrative burden for international payments, which is valuable for manufacturers sourcing components globally. Tipalti focuses on paying suppliers (AP) rather than collecting from customers (AR), making it complementary to net terms platforms.

Choosing the Right Net Terms Solution for Your HVAC Manufacturing Business

Selecting the right net terms solution for HVAC equipment manufacturing requires careful evaluation of your specific operational needs, customer base, and growth trajectory. The HVAC industry's unique challenges—including large equipment purchases, seasonal demand fluctuations, extended payment terms, and complex B2B relationships—demand solutions purpose-built for these requirements.

For HVAC manufacturers seeking to eliminate credit risk while maintaining healthy cash flow, Resolve Pay's non-recourse financing model offers a compelling solution. The platform's ability to advance up to 100% of invoice value within 24 hours while customers maintain their standard payment terms enables manufacturers to offer competitive net terms without jeopardizing their financial position. This becomes particularly valuable when working with contractors, distributors, and commercial clients who expect flexible payment options.

The instant credit approval capabilities powered by AI underwriting accelerate the order-to-cash cycle, enabling HVAC manufacturers to respond quickly to customer orders without the multi-day delays typical of traditional credit evaluation processes. Combined with seamless ERP and accounting integrations, Resolve Pay provides HVAC manufacturers with a comprehensive platform that addresses both immediate cash flow needs and long-term customer relationship management.

As the HVAC equipment manufacturing market continues to evolve with increasing demand for energy-efficient systems and smart climate control solutions, having a net terms platform that scales with your business while maintaining operational efficiency becomes increasingly critical. Whether you're a large enterprise manufacturer processing high transaction volumes or a growing HVAC company looking to expand your customer base through flexible payment terms, the right platform serves as strategic infrastructure that supports sustainable growth.

Frequently Asked Questions

What are net terms and how do they benefit HVAC equipment manufacturers?

Net terms allow customers to purchase HVAC equipment and pay later—typically in 30, 60, or 90 days—while the manufacturer receives immediate or near-immediate payment from a financing platform. This benefits HVAC manufacturers by enabling them to offer competitive payment terms that win more business without straining cash flow. Platforms like Resolve Pay advance up to 100% of invoice value within 24 hours while assuming the credit risk, allowing manufacturers to maintain healthy cash flow while customers get their preferred payment terms.

How can Resolve help HVAC manufacturers manage their accounts receivable more efficiently?

Resolve's Accounts Receivable with AI-Powered Automation streamlines credit, invoicing, and collections while empowering finance leaders to scale operations with precision and without manual overhead. The platform uses AI agents to manage workflows, automate payment reminders, and reduce friction in collections. This automation can reduce manual AR management work by up to 90%, transforming multi-person departments into single part-time roles while maintaining professional customer relationships.

Is Resolve's invoice financing recourse or non-recourse for HVAC businesses?

Resolve's invoice financing is completely non-recourse for HVAC businesses. This means that once an invoice is approved and funded, the advance is yours to keep regardless of whether your customer pays. Resolve takes on the credit assessment, credit decision, and majority risk of late payments or defaults, eliminating credit risk for HVAC manufacturers while allowing them to offer competitive net terms to grow their business.

What are the integration options for Resolve with existing ERP or accounting software in HVAC manufacturing?

Resolve integrates directly with leading ERP and accounting platforms commonly used in HVAC manufacturing, including QuickBooks, Oracle, NetSuite, Sage Intacct, and Xero. The platform also integrates with ecommerce systems like Shopify, BigCommerce, Magento, and WooCommerce. These integrations enable automated invoice synchronization, real-time payment updates, and seamless financial reconciliation without manual data entry, reducing errors and administrative overhead.

What kind of credit assessment does Resolve perform for HVAC customers?

Resolve uses proprietary AI models that evaluate thousands of buyer data points to generate dynamic, scalable credit decisions. Their experts deliver deeper credit insights than traditional bureaus. The credit application process requires only the customer's business name and address, with decisions delivered in seconds for many buyers. This streamlined assessment enables HVAC manufacturers to offer instant credit decisions at checkout or during the sales process without burdening customers with extensive paperwork.

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.