Let\u2019s imagine two stores<\/em> that sell the same professional equipment at similar prices. Both have the product in stock and can deliver it within a few days. The first requires full payment of the invoice, while the second also offers the customer the option to pay in installments. For a company looking to preserve some of its working capital, the second scenario may better fit its current budget.<\/p>\n\n That is precisely why it makes sense to view payment methods for businesses as part of a store\u2019s commercial offering. Their importance grows along with the average transaction value and the share of corporate customers, for whom liquidity management affects procurement timelines.<\/p>\n\n The simplest option for a regular customer is deferred payment. The supplier ships the goods, and the buyer pays after an agreed number of days. This model has long been used in wholesale trade, but it requires the seller to have sufficient working capital and a system for managing accounts receivable.<\/p>\n\n Another option involves payment in installments. For example, the buyer pays a portion of the amount when placing the order, with the balance due upon shipment or according to a specified schedule. This approach can be used for equipment, project-based deliveries, large batches of materials, and other transactions that take some time to complete.<\/p>\n\n Another area involves financing business purchases through a specialized partner. In this case, part of the financial function is transferred from the store to an external service provider. The seller does not need to provide the customer with credit using its own funds.<\/p>\n\n This category also includes B2B BNPL, or Buy Now, Pay Later. The buyer receives the goods or services and makes payments in installments or with a deferred payment period in accordance with the agreed-upon terms. For a store, this tool can serve as an additional way to close a deal if the payment structure is holding the customer back.<\/p>\n\n The difference between in-house deferred payment and a model involving a financial partner has a direct impact on the seller\u2019s finances. If the store itself agrees to allow the customer to pay in 60 days, the money for the shipped goods remains in accounts receivable. When a financial partner is involved, the mechanism may allow the retailer to receive funds earlier, while the buyer\u2019s subsequent payments are made according to the terms of the relevant service.<\/p>\n\n The choice of tool should take into account the margin, inventory turnover, average ticket, financing costs, and the store\u2019s own financial cycle.<\/p>\n\t![\"\"](\"https:\/\/edilo.com.ua\/wp-content\/uploads\/2026\/08\/finansovi_servisy_yak_konkurentna_perevaga_b2b_internet_magazynu-3-1024x576.jpg\")
<\/figure>\n\nWhat financial services can be offered to B2B buyers?<\/h2>\n\n