Instalment Payments for Textiles & Apparel Manufacturers
We help textiles and apparel businesses offer instalments, so buyers can spread costs while you get paid upfront with less risk and admin.
Increase order value
Get paid faster
Discount lessWhy Textiles & Apparel Manufacturers Use Instalments
Enable larger fabric and production orders while protecting your cash flow and eliminating credit risk.
Buyers commit to bigger fabric and garment orders when they can spread the cost across the season
Brands need to place bulk orders ahead of each season without exhausting their working capital
Upfront cost barriers stop buyers from meeting MOQs — instalments remove that friction entirely
Win supply contracts from brands and retailers by offering flexible payment terms competitors don't
How it works
We give you a designated payment link to send to customers. Add it to your invoice email and let the buyer choose terms.
Example: Textiles & Apparel Order Using Instalments
See how the same scenario plays out differently
Buyer Type
NZ apparel brand placing a full seasonal garment run ahead of summer
Order Size Needed
$52,000 to meet minimum order quantities across four styles
- •Brand reduces order to two styles to manage upfront cost
- •Misses MOQ on remaining styles, losing price advantage
- •Runs out of stock mid-season, missing peak sales window
- •Supplier loses half the contract value to a competitor
- •Brand commits to full $52,000 order across all four styles
- •Pays in manageable instalments aligned to sales revenue
- •Supplier receives $52,000 upfront
- •Brand enters the season fully stocked and competitively priced
FAQ for Textiles & Apparel Manufacturers Offering Instalment Payments
Instalment payments allow your wholesale customers, such as retailers, fashion brands, distributors, and online stores, to split large garment or textile orders into instalments, typically over 3, 6, or 9 months. The buyer selects an instalment option at checkout or invoice stage and pays over time, while you receive the full invoice amount upfront. This enables you to offer flexible payment terms without extending credit internally or carrying receivables on your balance sheet.
Yes. Offering instalments is well suited to high-volume wholesale orders, seasonal collection launches, custom manufacturing runs, fabric supply agreements, and private label production. It allows buyers to secure inventory and commit to larger production volumes without paying the full amount upfront, helping manufacturers increase order size while protecting margins.
Yes. With instalment payments, the manufacturer is paid upfront and in full once the transaction is approved. The customer then repays PaidTerms over time. This improves cash flow, reduces debtor days, removes receivables from your balance sheet, and lowers exposure to extended trade terms.
Instalment payments are designed to reduce credit risk for manufacturers. PaidTerms assesses the buyer and manages repayments directly. Repayment risk is typically held by PaidTerms rather than the manufacturer. This means you avoid chasing overdue invoices or absorbing bad debts.
When buyers can spread payments over time, they are more likely to place larger seasonal orders, expand SKU ranges, and commit to new collection launches. Payment flexibility reduces upfront capital barriers and shortens sales cycles. Instead of discounting to secure volume, manufacturers can use flexible payment terms as a competitive advantage to increase average order value and improve conversion rates.
