You get paid upfront
PaidTerms pays you the full invoice amount immediately. You're not waiting on a clinic's 30- or 60-day payment cycle.
Veterinary clinics buy in bulk, but their cash flow is unpredictable. Wholesalers that offer structured payment terms are closing bigger orders, retaining more accounts, and outcompeting rivals who still demand payment upfront.
Veterinary clinics don't have predictable, evenly-spread supply costs. A single vaccine order, a restocking run on surgical consumables, or a bulk purchase of prescription medications can represent a significant outlay — often hitting at the same time as a slow billing week or a delayed payment from a client.
That mismatch between when clinics need to buy and when cash is actually in the bank is one of the biggest friction points in the vet supply relationship. Clinic owners often delay orders, reduce quantities, or split purchases across multiple suppliers — not because they don't want your product, but because the timing doesn't work for their cash position.
The veterinary supply market is competitive. Clinics have options — whether that's MWI, Covetrus, or smaller regional distributors — and switching costs aren't always high. Price matters, but it's rarely the only thing a clinic considers when deciding who to order from.
Offering structured payment terms changes the conversation entirely. When a clinic knows they can place a full order today and pay it off over 3, 6, or 9 months, your business stops being just a supplier and starts being a partner that understands how they operate. That's a meaningful reason to consolidate purchasing with you instead of splitting it across competitors.
Importantly, with PaidTerms you still get paid upfront and in full — it's the clinic that pays in instalments, not you that waits. That means you can offer terms confidently, without taking on the cash flow risk yourself.
| Category | No payment terms (upfront only) | PaidTerms B2B BNPL |
|---|---|---|
| Order size | Clinics order conservatively based on available cash | Larger orders — clinics buy what they actually need, not what they can afford today |
| Order frequency | Delayed or split orders when cash is tight | Consistent reordering — timing friction is removed |
| Account retention | Clinics may switch suppliers when cash flow is squeezed | Stronger loyalty — terms create a reason to consolidate with you |
| Your cash flow | Upfront, but order volumes are lower | Upfront & in full — PaidTerms pays you immediately, handles the instalment plan with the clinic |
| Competitive position | Same as every other wholesaler | Clear differentiator — most competitors don't offer this |
| Admin burden | Simple but misses revenue | Simple: generate a payment link, clinic pays in instalments, you get paid upfront |
This is one of the most consistent patterns seen across B2B suppliers who introduce payment terms: average order value increases. When a clinic isn't paying the full amount out of pocket on the day of the order, the psychological barrier to a larger basket drops significantly.
Think about what that means in a vet supply context. A clinic that might have ordered a month's worth of consumables will order three months' worth. A practice that was going to defer a capital equipment purchase will approve it today. A customer who was shopping around for the cheapest price on a single line item will instead place a consolidated order with the supplier who offers the most flexible terms.
Beyond order size, terms also reduce discount pressure. When price is the only lever available to a clinic trying to manage cash flow, they'll negotiate harder. When payment flexibility is on the table, the conversation shifts — and you're less likely to be asked to cut margins to win the order.
PaidTerms is built for exactly this kind of B2B relationship. When a clinic places an order, you generate a simple payment link. The clinic chooses to pay in 3, 6, or 9 monthly instalments. You receive the full invoice amount upfront — PaidTerms handles the rest.
There's no complex credit facility to manage, no ongoing reconciliations, and no waiting on debtor payments. It's a straightforward addition to your existing invoicing process that gives your clinic customers a meaningful reason to choose you — and to order more when they do.
No cash flow risk
PaidTerms pays you the full invoice amount immediately. You're not waiting on a clinic's 30- or 60-day payment cycle.
3, 6, or 9 month plans
Your clinic customers spread the cost over time, making it easier to approve larger orders without straining their cash position.
No complex setup
Generate a payment link per order. No facility management, no eligibility checks on your end, no extra admin for your team.
PaidTerms lets you offer instalments to your veterinary clinic customers while still getting paid upfront and in full. It's the simplest way to win more accounts, increase order sizes, and stand out from the competition.