Buy Now Pay Later for Agriculture Suppliers
We help agriculture suppliers offer instalments to farmers and growers, so buyers can purchase what they need for the season while you get paid upfront with less risk and admin.
Why Agriculture Suppliers Use Instalments
Help farmers and growers purchase everything they need for the season upfront while protecting your cash flow and eliminating credit risk.
Farmers need inputs at the start of each season but won't generate revenue until harvest — instalments bridge that gap
Growers commit to full-season quantities of seed, fertiliser, and chemicals when they can spread costs over time
High-value machinery and irrigation upgrades become accessible without draining working capital in one hit
Win more accounts and retain existing customers by offering flexible seasonal payment terms competitors don't
How it works
Get set up in minutes and start offering instalments on your next invoice.
We give you a designated payment link to send to customers. Add it to your invoice email and let the buyer choose terms.
Your customer can split the invoice into 3, 6, 9, or 12 monthly instalments at checkout.
PaidTerms runs a quick business check using NZBN and Centrix to confirm the buyer's details and approve the transaction.
You receive the full invoice amount upfront, and your customer pays it off in instalments through PaidTerms.
Example: Agriculture Supply Order Using Instalments
See how the same scenario plays out differently
Buyer Type
Horticulture grower ordering full-season inputs ahead of planting
Order Size Needed
$42,000 in fertiliser, crop protection, and irrigation supplies
- Grower staggers purchases across the season to manage cash flow
- Late application of inputs reduces crop yield and quality
- Supplier loses bulk order revenue across multiple smaller transactions
- Grower sources remaining supplies from a competitor with better terms
- Grower commits to the full $42,000 order before planting begins
- Pays in instalments aligned to their harvest and cash flow cycle
- Supplier receives $42,000 upfront
- Inputs applied on time, maximising yield and locking in a loyal account
FAQ for Agriculture Supply Manufacturers Using B2B BNPL
B2B BNPL allows your commercial customers, such as farmers, growers, rural contractors, and agri-distributors, to split large supply orders into instalments, typically over 3, 6, or 9 months. The buyer selects an instalment option at checkout or invoice stage and pays over time, while you receive the full invoice amount upfront. This enables you to offer flexible payment terms without extending credit internally or carrying seasonal receivables on your balance sheet.
Yes. B2B BNPL is well suited to high-value orders such as seed, fertiliser, chemicals, irrigation supplies, animal feed, fencing materials, and farm equipment. It supports seasonal purchasing cycles where growers need inputs upfront but generate revenue later in the season. Instalment options allow customers to secure essential supplies without paying the full amount upfront, helping suppliers increase order size while maintaining pricing discipline.
Yes. In a B2B BNPL model, the supplier is paid upfront and in full once the transaction is approved. The customer then repays the BNPL provider over time. This improves cash flow, reduces exposure to long seasonal terms, removes receivables from your balance sheet, and lowers reliance on extended trade credit.
B2B BNPL is designed to reduce credit risk for suppliers. The BNPL provider assesses the customer and manages repayments directly. While terms vary by provider, repayment risk is typically held by the BNPL provider rather than the supplier. This means you avoid chasing overdue invoices and carrying bad debt risk during volatile farming seasons.
When farmers and rural buyers can spread payments over time, they are more likely to commit to larger seasonal orders and invest in higher-quality inputs or upgraded equipment. Payment flexibility reduces upfront capital pressure during planting or stocking periods and helps secure supply agreements earlier in the season. Instead of discounting to win volume, suppliers can use flexible payment terms as a strategic advantage to increase average order value and strengthen long-term customer relationships.