The Sherwin-Williams PRO+ Account shows how a supplier can combine professional pricing, approved business credit, delivery support, account tools, and personalized service within one customer program. For B2B sellers interested in building a similar experience, the model highlights the value of making purchasing easier for established customers while keeping account information and payment workflows organized. Modern net terms programs can help manufacturers, wholesalers, and distributors provide qualified buyers with more time to pay without forcing the seller to manage every credit, invoicing, and collection task internally.
Sherwin-Williams PRO+ is a professional customer program designed primarily for painting contractors and other trade professionals. It combines account-based pricing with purchasing tools, approved credit, delivery services, training resources, and access to company representatives.
The program is not simply a traditional rewards account. Its value comes from connecting several parts of a contractor’s purchasing relationship with Sherwin-Williams. A customer can order products, access professional pricing, monitor account activity, and receive support through the same business relationship.
Sherwin-Williams describes PRO+ as providing members with exclusive pricing on commonly purchased paint and supplies. The exact price available to an account may depend on the customer, product, location, promotion, purchasing history, and other account conditions.
The program may include:
Because pricing can vary, contractors should review their individual account or speak with a Sherwin-Williams representative rather than assuming that one discount applies to every purchase.
Sherwin-Williams advertises 0% interest credit as a PRO+ benefit. This credit is subject to approval, and certain restrictions may apply.
An approved credit account can help a contractor purchase materials before receiving payment from a homeowner, general contractor, property manager, or commercial client. This timing can be useful when a project requires significant material purchases before the contractor reaches a billing milestone.
The account should not be interpreted as unlimited financing. Purchasing power, due dates, payment conditions, and account availability depend on the credit agreement and account status. Contractors should review their approved terms carefully before using the account for a large project.
PRO+ members may also have access to scheduled delivery at no additional delivery charge, subject to the program’s availability and conditions. Delivery can reduce the time a contractor spends leaving a job site to collect paint and supplies.
Additional support may include:
These services can be particularly valuable for contractors handling several active jobs, coordinating multiple crews, or purchasing from more than one location.
The PRO+ app and online dashboard allow contractors to manage parts of their account digitally. Available tools can include product ordering, purchase history, account information, project support, savings opportunities, and access to training resources.
Digital access helps contractors review prior purchases and reorder products without depending entirely on paper receipts or individual store visits. It can also give office staff and field teams a clearer record of products purchased for active jobs.
Businesses can begin the registration process online or contact a participating Sherwin-Williams store. Basic PRO+ registration and a business credit application are related but separate processes. Creating a professional profile does not guarantee credit approval.
The exact information requested can depend on the account and whether the applicant is requesting credit. A business may be asked to provide:
Sherwin-Williams may request other documentation before approving or activating a credit account. Applicants should use the current application instructions rather than relying on a fixed list of documents from an unofficial source.
A typical process may involve the following steps:
The time needed for a credit decision may vary. Businesses should avoid assuming that every application will receive an immediate approval.
Once an account is active, the contractor can use Sherwin-Williams’ digital tools and store network to manage purchasing activity. Available functions may differ depending on whether the customer has only a PRO+ profile or an approved credit account.
A PRO+ member may be able to use the app or online account to:
Businesses should establish internal purchasing controls when several employees or crew leaders can place orders. Useful controls include requiring purchase order numbers, assigning purchases to specific jobs, limiting authorized buyers, and regularly comparing invoices with job records.
Payment requirements are governed by the customer’s credit agreement. Due dates and account conditions should be confirmed through the approved account documents, invoices, or Sherwin-Williams account portal.
Contractors should avoid relying on generalized claims that every PRO+ account automatically receives Net 30, Net 60, or Net 90 terms. The public PRO+ materials emphasize approved 0% interest credit, but individual credit conditions may vary.
The Federal Reserve tracks substantial levels of trade receivables and payables across the U.S. economy, reflecting how frequently businesses purchase goods before completing payment. Trade credit is especially important in industries where buyers must acquire materials before completing a project or collecting from their own customers.
For sellers, a well-managed credit program can remove purchasing friction and make it easier for qualified customers to place orders. For buyers, payment terms can align material costs more closely with project billing and revenue cycles.
A seller may use trade credit to support:
Buyers may benefit from:
The U.S. Treasury has also recognized that embedded financing technology, artificial intelligence, and machine learning are changing how small businesses access financial services. These developments give B2B sellers more options than building a traditional credit department from the ground up.
Offering terms affects much more than the checkout experience. A seller must decide which customers qualify, how much purchasing power each buyer receives, how invoices are issued, and what happens when a payment becomes late or disputed.
An internal credit team may need to:
The FDIC lending survey illustrates the importance of underwriting, approval practices, financial technology, and competition in small-business credit markets. Although vendor credit is different from a bank loan, sellers still need a structured and consistent decision process.
After a credit sale is approved, finance teams must manage:
These responsibilities can become difficult to scale when order volume grows but the finance team does not. Manual systems also increase the risk of inconsistent customer records, missed follow-ups, and delayed reconciliation.
Resolve Pay provides a connected B2B payments and net terms platform for merchants, manufacturers, wholesalers, and distributors. It helps sellers provide qualified business buyers with flexible payment terms while supporting faster seller cash flow and reducing the operational burden of credit and receivables management.
Through B2B net terms, sellers can offer approved buyers options such as Net 30, Net 45, Net 60, or Net 90, depending on the program and credit decision. Buyers receive time to pay, while eligible sellers can receive an advance on approved invoices instead of waiting until the buyer’s due date.
This structure helps separate the buyer’s payment schedule from the seller’s cash flow timeline. The seller can continue funding inventory, payroll, materials, and operating expenses while the buyer keeps the approved terms.
Resolve Pay’s business credit checks combine automated analysis with credit expertise. Some assessment workflows can begin with basic information such as the buyer’s business name and address.
Resolve Pay can support:
Credit lines and invoice advances remain subject to verification, underwriting, and Resolve Pay’s approval. Sellers should not treat any maximum amount or advance percentage as guaranteed.
Resolve Pay offers non-recourse invoice advancement for approved, valid transactions. Under this model, Resolve Pay assumes the approved buyer default risk covered by the program, subject to the applicable agreement and transaction conditions.
This can help sellers provide trade credit without retaining the same default exposure they would face when funding every customer invoice themselves. It also offers a factoring alternative for businesses seeking a credit-to-cash platform rather than a conventional recourse arrangement.
Non-recourse protection does not mean every invoice or dispute is automatically covered. Eligibility depends on approval, invoice validity, program requirements, and the terms of the merchant agreement.
Resolve Pay’s accounts receivable automation connects credit, invoicing, payment processing, reminders, collections, and reconciliation.
The platform can help finance teams:
Resolve Pay also provides agentic collections capabilities designed to automate appropriate follow-up while preserving professional buyer communication.
Resolve Pay can operate within the seller’s brand, helping the merchant maintain ownership of the customer relationship. Buyers can apply for terms, receive invoices, review balances, and make payments through connected workflows rather than being sent through an unrelated consumer lending experience.
This approach reflects an important lesson from supplier programs such as PRO+: business credit is most effective when it feels like part of the seller’s normal purchasing relationship.
Resolve Pay offers platform integrations for ecommerce, ERP, and accounting systems. Supported environments include QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce, subject to the selected integration and implementation.
Integrations can help synchronize:
The broader B2B payments platform is intended to support online, offline, field-sales, and hybrid purchasing workflows.
A contractor-focused account is only one example of vendor-managed business credit. Similar programs can support buyers in:
The product and buyer may change, but the operating principles remain similar. Buyers need a simple application, a clear purchasing limit, predictable invoices, convenient payment methods, and professional support. Sellers need disciplined underwriting, timely cash flow, accurate records, and a scalable collection process.
Resolve Pay helps B2B sellers apply that model through integrated net terms, credit decisions, non-recourse invoice advancement, payment processing, collections, and accounts receivable automation. Instead of assembling separate systems for underwriting, invoicing, funding, and reconciliation, sellers can use one branded platform to give approved customers greater purchasing flexibility while improving their own cash flow. Resolve Pay’s customer stories show how businesses have used flexible payment terms to support sales growth and strengthen buyer relationships.
Resolve Pay helps B2B sellers provide qualified buyers with flexible net terms while supporting credit assessment, invoice advancement, payments, collections, and reconciliation. The experience can be integrated into the seller’s existing sales and accounting workflows.
Resolve Pay may support Net 30, Net 45, Net 60, Net 90, or customized structures, depending on the merchant program and buyer approval. Available terms and purchasing limits are determined through underwriting and verification.
Resolve Pay provides non-recourse protection for approved, valid invoices covered by the merchant agreement. This generally means Resolve Pay assumes the covered default risk rather than requiring the seller to repay an eligible advance solely because the approved buyer cannot pay. Disputes, invalid invoices, fraud, and other excluded circumstances remain subject to the agreement.
Yes. Resolve Pay supports integrations with several ecommerce, ERP, and accounting platforms, including QuickBooks Online, Xero, NetSuite, Sage Intacct, Shopify, BigCommerce, Magento, and WooCommerce. Integration availability and scope depend on the seller’s systems and implementation.
Resolve Pay is designed for established B2B merchants, manufacturers, wholesalers, and distributors that sell to other businesses and want to offer payment terms without managing the entire credit-to-cash process internally. Resolve Pay’s published eligibility guidance indicates that businesses generally need at least USD $1 million in annual B2B revenue.
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.