Net terms (Net 30, Net 60, Net 90) are a B2B credit arrangement where a supplier ships goods now and the buyer pays the invoice 30, 60, or 90 days later. In wholesale landscape supply, net terms are table stakes for commercial accounts — but they push credit risk, collections work, and cash-flow exposure onto the supplier.
That model works for a $10M family-run yard. It breaks at $50M and above.
Landscaping contractors buy thousands of dollars in mulch, soil, stone, and plants every week. Most suppliers still manage payments the way they did a decade ago: manual credit checks, paper invoices, phone-call collections, and gut-feel credit decisions.
That works until you try to grow. Bigger contractor accounts expect terms. Busy season crushes cash flow. And chasing payments takes time the AR team doesn't have — which is exactly the problem AR automation was built to solve.
The U.S. landscape services market is large and growing — IBISWorld and adjacent industry trackers put it well above $100B annually, driven by commercial property maintenance, new construction, and HOA contracts. Suppliers feeding that demand are caught in the middle: they need to extend more credit, to more accounts, faster, without taking on losses.
Three things, in this order:
If you can't offer terms, large commercial landscapers and property managers will go to a supplier who can. That's not a preference — it's how their AP cycles are built.
There are four common approaches. Only one is built for scale.
|
Approach |
Risk |
Cash-flow impact |
Scales? |
|
Skip terms (require prepay) |
None |
Healthy |
No — you lose commercial deals |
|
Offer terms in-house, manually |
High |
Floats receivables 30–90+ days |
Only with a credit team |
|
Factor invoices |
Medium |
Improves, but margin hit |
Hurts unit economics over time |
|
Embedded net-terms financing (e.g., Resolve) |
Transferred |
Cash within ~1 day |
Yes |
With an embedded financing partner, the supplier offers terms in their own brand, the partner underwrites and assumes the credit risk, and the supplier gets paid most of the invoice up front. The contractor still pays Net 30/60/90 — but to the financing partner, not the supplier.
GoMaterials, a B2B marketplace for wholesale plants and landscaping materials, hit this exact wall expanding from Canada into the United States. Large commercial landscapers wouldn't work with them without net terms — and underwriting U.S. contractors from scratch wasn't a realistic in-house build.
They partnered with Resolve to:
The outcome: GoMaterials landed commercial contracts it would have lost without terms, grew U.S. transaction volume year over year, and eventually moved all U.S. invoicing onto Resolve because the workflow was simpler than running it themselves. Read the full GoMaterials case study →
Takeaway: You don't need a finance team to offer competitive terms. The right partner lets a mid-market supplier punch above its weight.
Most landscaping suppliers running NetSuite have a solid ERP foundation — but payments and credit are still bolted on as an afterthought.
Snapshot is a NetSuite implementation and B2B commerce partner that builds connected commerce stacks for wholesale and distribution businesses. Resolve plugs in as the B2B payments and credit layer, syncing directly with NetSuite so invoicing, credit management, and collections live in one workflow.
For a supplier selling mulch, soil, stone, and plants to contractors, that combined stack delivers:
Modernizing your credit and payment stack only solves half the equation if your storefront and ERP can’t handle the unique weight of industrial landscaping operations. Wholesale landscape supply isn't standard retail; it deals in massive bulk materials, complex logistics, and fluctuating fleet capacity.
To turn a modern payment strategy into a scalable revenue engine, Snapshot builds a unified technical framework around three core pillars:
When Snapshot’s integration and NetSuite ERP consulting expertise combine with Resolve’s frictionless net terms engine, landscaping suppliers get more than a website; they get an automated, risk-free operation built to handle enterprise-scale from the yard to the ledger.
Four pressures are converging on mid-market landscape suppliers in 2026:
The suppliers who modernize the order-to-cash stack first capture the commercial accounts. The ones who wait keep losing deals to a competitor who can quote, ship, and finance in the same workflow.
What are net terms in B2B landscaping?
Net terms are a B2B credit arrangement where a landscaping supplier ships materials now and the contractor pays the invoice 30, 60, or 90 days later. They're standard for commercial contractor and property-manager accounts.
How do landscaping suppliers offer net terms without carrying credit risk?
By partnering with an embedded net-terms financing platform like Resolve. The platform underwrites the buyer, advances the supplier up to 100% of the invoice within ~1 business day, and manages collections — so the supplier gets cash quickly without holding the receivable.
What's the difference between factoring and net-terms financing?
Factoring sells individual invoices to a third party at a discount, typically as a one-off or recovery move. Net-terms financing (like Resolve) is a continuous, branded program: credit decisioning, terms, advances, and collections run inside the supplier's normal sales flow, with better unit economics over time.
Can a mid-market landscape supplier offer Net 30/60/90 without a finance team?
Yes. Embedded financing platforms handle credit underwriting, AR automation, and collections, so a supplier can offer competitive terms without building an in-house credit department.
How does Resolve integrate with NetSuite for landscaping suppliers?
Resolve syncs directly with NetSuite, so invoices, credit limits, payments, and collection activity flow into one connected AR workflow. Snapshot, as a NetSuite implementation partner, handles the integration and surrounding ERP optimization.
Why is peak season the worst time to manage receivables manually?
60–70% of annual landscaping revenue is typically concentrated in spring and summer. Manual credit checks, paper invoicing, and phone-call collections become bottlenecks exactly when order volume — and credit exposure — is at its highest.
Is this only for NetSuite users?
The Resolve + Snapshot stack is purpose-built for NetSuite, but Resolve also integrates with QuickBooks and other major accounting systems. Snapshot specializes in connected commerce on BigCommerce, Shopify, and Shopware against a NetSuite back end.
If you're a landscaping supplier on NetSuite exploring how to modernize payments: