We help building materials suppliers offer flexible payment terms to contractors and builders, enabling larger project orders while you get paid upfront with reduced credit risk.
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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.
B2B BNPL allows your trade customers to split a building materials invoice into instalments (typically 3, 6, or 9 months) while you supply materials as normal. The buyer selects an instalment option at quote or invoice stage and pays monthly, while you receive the full invoice value upfront—without needing to manage in-house credit terms for every customer.
Yes. B2B BNPL is designed for high-value building material orders such as project supply, bulk timber and steel orders, concrete pours, roofing packages, and large site deliveries.
It allows builders and contractors to secure materials and lock in pricing without paying the full invoice upfront.
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, improving your cash flow while removing receivables from your balance sheet.
B2B BNPL is designed to reduce credit risk for building materials suppliers.
The BNPL provider typically assesses the buyer and manages repayment, rather than the supplier carrying the risk or chasing overdue invoices. While terms vary by provider, the intent is that repayment risk sits with the BNPL provider—not with you.
When builders and contractors can spread payments, they’re less likely to reduce quantities, stage orders, or delay purchases. This often leads to larger project orders, higher acceptance of full material packages, and fewer price-driven negotiations. Instead of discounting to win work, suppliers can use payment flexibility to increase conversion and average order value.