Manufacturing sales in New Zealand are highly competitive. Buyers weigh quality, lead times, and price. But price isn't always the real problem — cashflow is.
Whether you're supplying office furniture, product packaging, plastics, or apparel, many sales conversations eventually arrive at the same pressure point: price.
In many industries, discounting has become the default lever. Bulk discounts are expected. Margins get squeezed. And even then, deals can stall or shrink because buyers hesitate to commit to large upfront payments.
But price isn't always the real problem.
Even when a larger order would reduce unit costs or improve efficiency, paying a large invoice upfront creates risk. Buyers often choose a smaller run or split the order into stages simply to manage short-term cash.
This leads to:
Discounting can help, but it doesn't address the underlying issue. It treats the symptom, not the cause.
Reducing price might win a deal today, but it comes at a cost.
Margins erode. Pricing expectations reset. And once discounts become standard, it's hard to pull them back without resistance.
Over time, this creates pressure on profitability and limits your ability to reinvest in production, staff, or growth.
When buyers can spread the cost of an order over time, the decision framework shifts.
Instead of asking, "Can we afford this whole invoice right now?"
They ask, "Can we manage this monthly?"
That shift removes hesitation. Buyers are no longer constrained by a single large payment, which allows them to order what they actually need rather than what fits within a short-term cash limit.
| Category | Discounting Strategy | B2B BNPL (Instalments) |
|---|---|---|
| Impact on margins | Margins erode over time | Margins protected |
| Order size | Still limited by cashflow concerns | Increased to actual need |
| Buyer decision | "Is this the best price?" | "Can we manage this monthly?" |
| Supplier payment | Still delayed (if offering terms) | Upfront & in full |
| Long-term sustainability | Hard to reverse, erodes profitability | Sustainable, scalable |
| Competitive differentiation | Race to the bottom on price | Compete on flexibility & value |
| Customer satisfaction | Temporary (price-focused) | Long-term (cashflow-focused) |
B2B Buy Now, Pay Later (BNPL) separates payment flexibility from supplier cashflow.
With PaidTerms, manufacturers can offer instalment options across 3, 6, 9+ months, while still getting paid upfront and in full for approved invoices.
The repayment process and credit risk sit with us, not with you.
There's no need to extend additional trade credit, increase debtor exposure, or take on more administrative burden.
One of the biggest concerns manufacturers have is risk. Traditionally, offering more flexible terms meant carrying more exposure.
PaidTerms removes that concern.
You get paid upfront for approved invoices. We manage repayments and credit risk. Your cashflow remains predictable, while your customers benefit from modern payment flexibility.
This allows you to grow sales without growing risk.
In New Zealand manufacturing, price competition isn't going away. But discounting doesn't have to be the default response.
B2B Buy Now, Pay Later gives manufacturers a practical way to:
By removing payment as a constraint, conversations shift away from affordability and toward value, outcomes, and long-term partnership.
PaidTerms helps New Zealand manufacturers compete on payment flexibility instead of price. Protect your margins, increase order sizes, and get paid upfront — all while giving buyers the cashflow flexibility they need.