For many B2B businesses, growth isn't limited by demand. It's limited by cashflow timing. B2B Buy Now, Pay Later is becoming a growth tool by separating payment flexibility from supplier cashflow.
Customers want flexibility. Suppliers want certainty. Traditional payment terms often force one side to compromise — and that compromise usually shows up as delayed payments, smaller orders, or lost deals.
B2B Buy Now, Pay Later (BNPL) is changing that dynamic by separating payment flexibility from supplier cashflow.
Waiting weeks or months for invoices to be paid is one of the most common stress points in B2B. Thousands of businesses across New Zealand spend time chasing invoices, managing follow-ups, and navigating awkward conversations that can strain otherwise strong commercial relationships.
Getting paid upfront removes that uncertainty entirely. Cash hits your account immediately, allowing you to plan with confidence and reinvest sooner.
Instead of wondering when revenue will arrive, you can focus on production, staffing, and growth.
Payment flexibility has become a baseline expectation in many purchasing decisions.
When customers can choose how they pay, the buying experience feels easier and more collaborative. Flexible terms relieve short-term cashflow pressure and make it simpler for customers to commit without delay.
This doesn't mean taking on additional risk. With B2B BNPL, suppliers can offer flexibility while still being paid upfront and in full.
Many deals don't fall over because of price. They fall over because of timing.
Customers hesitate when they're asked to pay upfront, especially when they don't yet know how quickly that purchase will turn into revenue. That hesitation often sounds like "maybe later" or "let's start smaller," even when the underlying demand is there.
Flexible payment terms keep those opportunities alive. By removing the upfront cash barrier, B2B BNPL helps customers move forward with confidence and allows suppliers to capture demand that might otherwise disappear.
When customers aren't constrained by tight monthly budgets, they naturally buy more.
Flexible payment options give buyers permission to increase order size without hesitation. Instead of optimising for short-term cash availability, customers can order what they actually need.
The result is higher average order value — without discounting, aggressive upselling, or added sales pressure.
| Benefit | Traditional Payment Terms | B2B BNPL |
|---|---|---|
| When you get paid | 30-90 days later | Upfront & immediately |
| Invoice chasing | Required, time-consuming | Not needed |
| Customer flexibility | Limited (one lump sum payment) | Full (spread over months) |
| Deal conversion | Lost to cashflow concerns | Higher close rate |
| Average order value | Reduced to protect cashflow | Increased to actual need |
| Risk management | Supplier carries all risk | Transferred to provider |
Cashflow fluctuates for businesses of all sizes. Timing matters, even for reliable customers.
When you offer flexible payment options, customers feel supported rather than pressured. That support builds trust and loyalty.
Happier customers don't just buy more — they stay longer and are more likely to see you as their preferred supplier or manufacturer.
This is often the biggest shift. Most price objections aren't actually about price. They're about when the payment is due.
When payment is no longer the sticking point, the conversation changes. Instead of debating affordability, buyers focus on the product, the outcomes, and the value.
PaidTerms helps New Zealand suppliers get paid upfront, increase order sizes, save more deals, and build stronger customer relationships — all while offering the payment flexibility modern buyers expect.