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Buy Now Pay Later for Commercial Furniture

We help commercial furniture businesses offer instalments, so buyers can spread the cost of fit-outs and large orders while you get paid upfront with less risk and admin.

Book a demo How it works
Commercial furniture
Increase order value
Increase order value
Get paid faster
Get paid faster
Discount less
Discount less

Why Commercial Furniture Businesses Use Instalments

Enable larger fit-outs and office orders while protecting your cash flow and eliminating credit risk.

Complete fit-outs

Clients approve full office furnishing when they can spread costs over time

Budget limitations

Businesses need flexibility to manage large furniture investments

Project delays

Large upfront costs cause clients to postpone essential purchases

Win more contracts

Stand out from competitors by offering payment flexibility

How it works

How It Works - PaidTerms

We give you a designated payment link to send to customers. Add it to your invoice email and let the buyer choose terms.

Send payment link

Your customer can split the invoice into 3, 6, 9, or 12 monthly instalments at checkout.

Customer chooses terms

PaidTerms runs a quick business check using NZBN and Centrix to confirm the buyer's details and approve the transaction.

We verify the buyer instantly

You receive the full invoice amount upfront, and your customer pays it off in instalments through PaidTerms.

You get paid, they get terms

Example: Office Fit-Out Using Instalments

See how the same scenario plays out differently

The Scenario

Buyer Type

Tech startup expanding to new office space

Order Size Needed

$65,000 for complete office fit-out

Traditional Outcome
  • Buyer furnishes office in phases
  • Mismatched furniture and styles
  • Delayed move-in and productivity loss
  • Multiple smaller orders required
With PaidTerms
  • Buyer commits to full $65,000 order
  • Pays in 6 manageable installments
  • Supplier receives $65,000 upfront
  • Complete, cohesive fit-out delivered

FAQ for Commercial Furniture Businesses Using B2B BNPL

What is B2B Buy Now, Pay Later (BNPL) for office & commercial furniture suppliers, and how does it work?

B2B BNPL lets business customers split a furniture invoice into instalments (often over 3, 6, or 9 months) while you supply and install as normal. The buyer selects an instalment plan at checkout or at quote stage, then pays monthly. It’s designed for businesses purchasing fit-outs, desks, seating, storage, and breakout furniture—without needing a traditional trade account.

Can office furniture suppliers offer instalments on fit-outs and project-based orders?

Yes. B2B BNPL can be used on project orders like office fit-outs, boardroom packages, ergonomic seating upgrades, and multi-site rollouts. It’s especially useful when customers need to commit to the right scope upfront (to meet deadlines or secure pricing) but don’t want to pay the full invoice in one hit.

Do office furniture suppliers get paid upfront if customers pay in instalments?

In most B2B BNPL models, the supplier is paid upfront and in full, while the customer repays the BNPL provider over time. That means you can improve cash flow without extending in-house terms or carrying the receivable on your balance sheet.

Is B2B BNPL safe for office furniture suppliers, and who takes the risk if the buyer doesn’t pay?

B2B BNPL is built to reduce risk for the supplier because the BNPL provider typically assesses the buyer and manages repayment. That means you’re not relying on “trust” or chasing overdue invoices as part of the instalment plan. Always check the provider’s approval process and terms, but the intent is that repayment risk sits with the BNPL provider—not the furniture supplier.

How does B2B BNPL help office furniture suppliers increase AOV and win more deals?

When buyers can spread payments, they’re less likely to cut scope or delay decisions. That often leads to larger fit-outs, more complete packages (desks + seating + storage), and fewer last-minute removals at quote stage. Instead of discounting to win the job, suppliers can use payment flexibility to improve conversion and lift average order value.