Manufacturing sales are competitive. Buyers compare suppliers on quality, lead times, and price. But what if price didn't have to do all the heavy lifting?
Most buyers don't order less because they don't want more. They order less because paying a large invoice upfront puts pressure on their cashflow.
Even when a larger order would reduce unit costs or improve efficiency, buyers often choose a smaller run to stay financially safe.
That hesitation shows up as:
Instead of asking buyers to commit to one large payment, B2B Buy Now, Pay Later allows them to spread the cost of an order over time.
When buyers can pay in instalments, the decision changes. They stop asking, "Can we afford this all at once?" and start asking, "Can we manage this monthly?"
And critically, this happens without discounting, changing your product, or reworking your entire sales process.
Traditional financing options often introduce more friction than flexibility. Lengthy approvals, complex paperwork, and high interest rates slow deals down and frustrate buyers.
B2B Buy Now, Pay Later works differently.
With PaidTerms, New Zealand manufacturers can offer instalment options across 3, 6, 9+ months, while still getting paid upfront and in full. The credit risk and repayment management sit with us — not you.
With B2B BNPL:
This means fewer blocked deals at the quote stage and less hesitation around larger orders. Buyers can say yes based on what they need, not just what they can afford to pay in one go.
| Scenario | Traditional (Upfront Payment) | With B2B BNPL |
|---|---|---|
| Buyer decision | "Can we afford this all at once?" | "Can we manage this monthly?" |
| Order size | Reduced to protect cashflow | Increased to actual need |
| Sales conversion | Lost to cashflow concerns | Higher close rate |
| Supplier payment | Delayed 30-90 days (if offering terms) | Upfront & in full |
| Credit risk | Supplier carries the risk | Transferred to provider |
| Competitive advantage | Price discounts, squeezed margins | Payment flexibility, margins protected |
One of the biggest concerns suppliers have is risk. Extending more trade credit or offering flexible terms usually means carrying more exposure.
PaidTerms removes that concern.
You get paid upfront for approved invoices. We manage the repayments and the risk. Your cashflow remains predictable, while your customers get the flexibility they want.
Whether you manufacture office furniture, product packaging, or apparel, the sales conversation eventually drifts toward the same pressure point: price.
But instead of competing purely on price, manufacturers can now compete on payment flexibility — without taking on additional risk or waiting to be paid.
In New Zealand's manufacturing sector, price competition isn't going away. But discounting doesn't have to be the default response.
B2B Buy Now, Pay Later gives manufacturers a way to increase conversions, lift order size, and improve customer satisfaction — without sacrificing cashflow or margin.
For suppliers looking to modernise how they sell, payment terms are quickly becoming one of the most effective levers available.
PaidTerms helps New Zealand manufacturers win more deals by offering instalment options while getting paid upfront. Stop competing on price alone — start competing on flexibility.