Across manufacturing and supply-led industries, payment terms are quietly becoming a competitive advantage. Order size isn't limited by demand — it's limited by how and when customers are asked to pay.
A growing number of manufacturing verticals are adopting B2B Buy Now, Pay Later (BNPL) as a smarter way to boost sales, reduce friction, and support customers with tighter cash flow.
More manufacturers are recognising that order size isn't limited by demand or product quality — it's limited by how and when customers are asked to pay.
As cashflow pressure increases across the supply chain, traditional trade credit is no longer meeting the needs of modern buyers.
Below are some of the key manufacturing sectors in New Zealand adopting B2B BNPL to transform their sales approach.
Plastic injection moulders often deal with large upfront costs. Tooling, moulds, and high-volume production runs require significant capital before a single part is delivered.
By offering B2B BNPL, moulders allow customers to proceed with larger or more complex orders without needing to fund the full amount upfront. Instead of scaling orders back to protect cashflow, buyers can commit to the production volumes they actually need.
For manufacturers, this means:
BNPL turns what was once a financial bottleneck into a smoother path to production.
Packaging manufacturers sit at the centre of many supply chains. Whether it's boxes, bottles, labels, or protective packaging, buyers often need to order in bulk to achieve cost efficiencies.
The problem is timing. Even when demand exists, paying a large invoice in one go can strain cashflow, especially for growing brands or seasonal businesses.
By offering BNPL, packaging suppliers enable customers to place economically sensible order sizes without the upfront pressure. Buyers can align payments with product sell-through, while suppliers benefit from larger production jobs and more predictable ordering patterns.
Suppliers that sell into retail environments face a familiar challenge. Retailers need to invest upfront in stock, fixtures, and displays before revenue is realised.
B2B BNPL gives retail-facing suppliers a way to support store rollouts, range expansions, and seasonal refreshes without forcing retailers to overextend themselves financially.
For suppliers, the impact is clear:
Flexible payment terms help retailers say yes sooner and buy more confidently.
Chemical manufacturers often supply businesses with ongoing, recurring needs. Raw materials, solvents, coatings, and specialty compounds are essential inputs, but they come with significant cost.
B2B BNPL allows customers to maintain consistent purchasing patterns without tying up large amounts of working capital in a single payment. Instead of delaying or reducing orders, buyers can plan ahead with greater certainty.
For chemical producers, this leads to steadier demand, larger order volumes, and reduced friction in repeat purchasing.
Office supplies, furniture, and workplace equipment are often purchased in bulk or as part of fit-outs, expansions, or upgrades.
By offering BNPL, suppliers make it easier for businesses to invest in their workspace without needing to delay decisions or compromise on quality.
Customers can spread the cost over time, while suppliers receive payment upfront. This model supports more frequent reorders, larger fit-out projects, and smoother sales conversations.
| Category | Traditional Trade Credit | B2B BNPL |
|---|---|---|
| Approval speed | Slow, manual | Instant, automated |
| Availability | Limited to approved customers | Available to more buyers |
| Supplier payment | Delayed 30-90 days | Upfront & in full |
| Credit risk | Supplier carries all risk | Transferred to provider |
| Payment flexibility | One lump sum payment | Spread over 3-6-9+ months |
| Admin burden | Supplier manages | Handled externally |
Across these sectors, the shift toward B2B Buy Now, Pay Later is driven by a simple reality: businesses want flexible, digital alternatives to traditional trade credit.
Trade accounts are slow to approve, limited in availability, and place credit risk on the supplier.
B2B BNPL removes these constraints by separating payment flexibility from supplier cashflow. Manufacturers no longer need to act like banks. Buyers no longer need to compromise order size to protect short-term cash.
For manufacturers focused on growth, the question is no longer whether to offer flexible terms, but how to do it without taking on unnecessary risk.
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 with you. Your cashflow remains predictable, while your customers get the flexibility they need to grow.
PaidTerms helps New Zealand manufacturers across all sectors increase order sizes, reduce sales friction, and support customer growth — all while getting paid upfront and protecting cashflow.