Offer Net 30/60/90 to customers; the provider pays you now and collects later.
Invoice-based sales where buyers expect 30–90 days to pay.
Short terms only. Priced per 30 days, so the annualized rate is high.
At a glance
| Family | Your customers' financing |
| What gets underwritten | Your buyers |
| Collateral | Customer invoice |
| How you repay | Buyer repays lender |
| Dilution | None |
| Typical pricing | About 8–40% a year (flat fee or APR) |
| Typical time to cash | About 1 day to about 3 days |
| Good for | Closing customer deals · Working capital |
Net terms & trade credit providers compared
Sorted by the low end of the estimated rate as of today. Your actual cost depends on your revenue, credit profile and term — the calculator works it out for you.
| Provider | Estimated as of today | Time to cash | Typical size | Requirements | Regions |
|---|---|---|---|---|---|
| Resolve Net terms (Net 30–90) |
Rates shown to approved members reported |
About 1 day | Up to $1M | No hard minimums listed | US |
| Two B2B BNPL |
Rates shown to approved members estimated |
About 1 day | Up to $1M | No hard minimums listed | UK · EU · US |
| Billie Invoice pay-later |
Rates shown to approved members estimated |
About 1 day | Up to $1M | No hard minimums listed | EU · UK |
| Balance B2B checkout & terms |
Rates shown to approved members estimated |
About 2 days | Up to $1M | No hard minimums listed | US |
| Allianz Trade Pay Trade credit |
Rates shown to approved members estimated |
About 2 days | Up to $1M | No hard minimums listed | EU · UK |
| TreviPay Enterprise trade credit |
Rates shown to approved members estimated |
About 3 days | Up to $1M | No hard minimums listed | US · UK · EU |
Head-to-head comparisons
Is net terms & trade credit right for you?
See how it stacks up against every other way to raise — priced for your amount, revenue and timeline.
Other funding types
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.