B2B BNPL

Buy Now, Pay Later for Business.

Give your customers more time to pay. Get paid the moment they order. Rivelo's B2B BNPL helps vendors sell more without carrying the wait.

Invoice INV-2041✓ Approved
Bill To
Meridian Supply Co.
Ships
Sep 12, 2026
Amount
$48,500.00
Choose your terms
Net 30Net 60Net 90

Approved once, reusable

Your customer applies once, then Pay Later appears on every future invoice you send them.

Paid once the order ships

Usually next business day — not when your customer's terms mature.

No risk to you

Once Pay Later is used, the financing partner owns the receivable and handles the rest.

Flexible terms don't just help your customers. They help you sell more.

1030%
More completed orders
Customers with flexible terms are less likely to abandon a purchase.*
1540%
Higher order values
Customers with more time to pay tend to buy more per order.*
78%
of B2B buyers say payment terms matter
A real factor in who they choose to buy from.*
*Based on third-party B2B payments industry research. Individual results vary; Rivelo does not guarantee specific outcomes.
The difference

How is Pay Later different from factoring or invoice financing?

Factoring gets you cash sooner, but you're still involved when a customer is late. With Pay Later, once it's used, the financing partner owns the receivable and handles the rest. You're paid, and you're done.

Factoring / Invoice Financing
Rivelo Pay Later
Cash timing
Sooner
Cash timing
Sooner
Who collects
You or your factor
Who collects
The financing partner
If a customer is late
Still your problem
If a customer is late
You're paid, and you're done
FAQ

B2B BNPL, explained.

B2B BNPL — buy now, pay later for business — lets your business customers take extended terms on an invoice while you're paid up front. Your customer picks 30, 60 or 90 days at checkout; you're paid once the order ships, usually next business day. At Rivelo it's called Pay Later, and it sits alongside card, ACH and wire as one more way to pay the same invoice.

Once the order ships — usually the next business day. You're not waiting on the terms your customer chose.

Factoring gets you cash sooner, but you're still involved when a customer is late. With Pay Later, once it's used, the financing partner owns the receivable and handles the rest. You're not selling your invoice at a discount and you're not assigning it to anyone.

Once Pay Later is used, that's between your customer and the financing partner. You've already been paid, and no collections work comes back to you.

They apply once, based on their business — often completed in minutes. After that, Pay Later simply appears as an option on every future invoice you send them. Availability and terms are subject to eligibility and approval.

Pay Later starts at 2.60%. Rates are fixed and vary depending on whether your customer chooses 30, 60 or 90 days. You decide whether you absorb the fee or pass it to your customer — set a default for your business and override it per customer.

Offer Pay Later on your next invoice.

Talk to our team and get started in a few days, not a few months.