Offer flexible payment terms to customers

A payment terms product allows vendors to extend flexible net terms to their customers. It’s designed to help vendors close bigger deals and help buyers manage cash flow, all while ensuring the vendor gets paid upfront with no added risk.

With a payment terms solution, when a buyer makes a purchase, they can opt to pay over time. We pay the vendor immediately (typically 90–98% of invoice value at delivery), and the buyer repays us on their extended schedule. Vendors can decide whether to absorb the financing cost themselves (to offer “free terms”) or pass it along to their customer.

Both sides win:

Vendors benefit by increasing order sizes, boosting sales, and getting cash upfront without carrying credit risk.

Buyers benefit by gaining more time to pay for purchases, smoothing cash flow, and securing larger or more frequent orders without needing immediate capital.

For suppliers, a payment terms product means they don’t have to wait for buyers to pay. They receive near-instant cash while still offering attractive terms to customers. This strengthens vendor–customer relationships by giving customers more purchasing flexibility, without suppliers having to act as the bank.

Suppliers are paid immediately upon delivery, typically 90–98% of the invoice value is disbursed upfront. There’s no waiting for the buyer’s 30-, 45-, or 60-day repayment cycle. The remaining balance (if any) is reconciled once the buyer pays their full invoice.

Costs are structured flexibly:

Vendors can cover the financing fee to offer free terms as a sales incentive.

Alternatively, the buyer pays the fee in exchange for the ability to extend payment.This makes the product adaptable. Vendors can use it to drive sales growth, while buyers can use it as a cash flow tool.