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Compare B2B BNPL platforms including Mehmi, Balance, Resolve and TreviPay. See which fits equipment dealers, vendors and B2B sellers.
B2B Buy Now, Pay Later sounds simple: your customer buys now, you get paid, and the customer repays over time.
The platforms behind that experience are not all solving the same financing problem.
Balance focuses heavily on embedded checkout financing and short payment terms. Resolve combines B2B net terms with accounts-receivable automation and seller advances. TreviPay is built around enterprise-grade Pay by Invoice, invoicing and order-to-cash infrastructure.
Mehmi Financial Group takes a different approach.
Instead of limiting the customer to a short Net 30, 60 or 90 transaction, Mehmi can connect qualifying B2B buyers with equipment loans, leases and other commercial financing structures through a broader lender network.
Quick Answer: For high-ticket equipment dealers, manufacturers and commercial vendors, Mehmi can be a stronger B2B BNPL fit because it combines point-of-sale financing with multi-lender placement, longer-term equipment financing, used and private-sale asset support, second-look credit and broader business-financing options. Classic BNPL platforms remain stronger for standardized short-term net terms and high-volume ecommerce checkout.
B2B BNPL lets one business complete a purchase without paying the entire amount immediately.
For a $5,000 wholesale order, that could mean Net 30.
For a $40,000 industrial order, it might mean paying over several instalments.
For a $250,000 excavator or production machine, however, a 30- or 90-day payment window may not solve the buyer's problem.
The customer may need four, five or six years to match the equipment payment with the revenue generated by the asset.
That is where B2B BNPL starts overlapping with equipment financing, vendor financing and embedded commercial credit.
Mehmi already explains the buyer-side distinction in its B2B Buy Now, Pay Later Canada guide and compares short invoice terms with broader financing in its Net 30 vs. B2B Buy Now, Pay Later guide.
The important point is that B2B BNPL should describe the buying experience, not force every transaction into a short-term payment product.
Several credible platforms approach the market differently.
Balance is designed around embedding credit directly into B2B commerce.
Its current B2B BNPL product lets eligible buyers apply within the merchant's sales flow, receive real-time credit decisions and pay as much as 90 days later. Balance says merchants receive payment upfront while Balance assumes the applicable credit risk.
That makes Balance compelling when the core requirement is:
B2B ecommerce.
Short-duration terms.
Automated buyer credit.
Checkout integration.
Repeat purchasing under an established credit limit.
Where it becomes less directly comparable with Mehmi is the asset-financing problem.
A contractor buying a CAD $180,000 excavator may not be looking for another 60 days to pay.
It may need a five-year equipment structure.
Resolve is built around B2B net terms, credit management and receivables.
Its current offering targets manufacturers, distributors, suppliers and wholesalers. Resolve can underwrite buyers, offer net terms, manage invoicing and collections, and advance cash against approved invoices. Its public materials currently advertise up to 100% upfront funding on certain approved net-terms invoices, subject to its program conditions.
That makes Resolve a strong option for sellers whose financing problem is:
"We want to give this established customer 30 or 60 days to pay, but we want our cash now."
That is a different problem from:
"Our customer wants to buy a $300,000 CNC machine and needs a 60-month financing structure."
Resolve and Mehmi can both sit under the broad B2B BNPL umbrella, but they solve different transaction lengths.
TreviPay is positioned as a broader B2B payments and invoicing infrastructure platform.
Its offering includes buyer onboarding, credit decisioning, invoicing, settlement, payment application, collections and net terms. It is particularly geared toward enterprise manufacturers, distributors, marketplaces and other large sellers that need sophisticated order-to-cash workflows.
TreviPay can therefore be an excellent fit for a large enterprise that wants managed B2B trade credit across numerous customers, channels and geographies.
An independent equipment dealer with a mixture of prime, near-prime, used-equipment and private-sale transactions has a different requirement.
Mehmi is not primarily trying to replace the invoice.
It is trying to finance the underlying business purchase.
That distinction matters for higher-ticket B2B transactions.
Mehmi's current homepage says its broader North American platform works with 70+ funding partners across Canada and the United States, while the dedicated Canadian vendor-program page specifically describes access to more than 30 Canadian financing partners.
The vendor program also publicly supports new, used and private-sale equipment and offers co-branded or white-label application workflows.
That creates a different form of B2B BNPL:
The buyer gets the asset now.
The seller receives payment after the financing transaction funds.
The buyer repays the applicable lender or lessor over the approved term.
That term can potentially reflect the useful life of the equipment rather than an arbitrary 30-, 60- or 90-day invoice window.
For vendors building that model, Mehmi's How Vendor Financing Programs Work guide provides the underlying workflow.
This is the clearest advantage.
Traditional B2B BNPL works extremely well for purchases that can reasonably be repaid from near-term business cash flow.
Equipment is different.
A truck, forklift, CNC machine, excavator, crane or production line may generate economic value for five or ten years.
Asking the buyer to repay the entire purchase within 90 days defeats much of the purpose of financing the asset.
Mehmi's model can match qualifying equipment with term loans or leases rather than treating a capital asset like an invoice.
Its current equipment-loan page publicly supports new, used and private-sale equipment across North America and says transactions can extend to multi-year terms, subject to underwriting.
That makes Mehmi structurally better suited to dealers selling expensive productive assets.
A single credit engine is efficient when your customers look similar.
Equipment-dealer customers rarely do.
One buyer may be a 20-year-old construction company purchasing a new loader.
The next may be a three-year-old trucking company purchasing a used trailer.
Another could be a manufacturer with strong cash flow but substantial existing debt.
A one-provider BNPL model gives those buyers one primary underwriting framework.
A broker-backed model can potentially route different files toward different funding sources.
Mehmi's One-Funder vs. Broker-Backed Vendor Program guide explains this difference in more detail.
The advantage is not "approving everyone."
Some transactions should be declined.
The advantage is being able to distinguish a genuinely weak transaction from a good customer that simply does not fit the first lender's policy.
This matters enormously for equipment dealers.
Imagine the dealer has already sold the customer on a USD $150,000 machine.
The primary lender declines the application because the equipment is too old for its program.
That does not necessarily mean the business cannot support the purchase.
A second financing source may have a different asset policy.
Likewise, another lender may be more comfortable with seasonal cash flow, a particular industry or a different financing structure.
Mehmi's North American homepage explicitly positions second-look financing after bank declines as part of its broader financing model.
For a vendor, that can be more valuable than having one fast "declined" screen.
The goal is still responsible underwriting, not approval at any cost.
This is another important distinction between classic checkout BNPL and equipment finance.
The equipment may already be five years old.
The seller may be another business rather than an authorized dealer.
There may be existing liens.
Hours, mileage, serial numbers and market value matter.
The transaction may require controlled payout and ownership verification before funds can be released.
Mehmi's public vendor program specifically lists new, used and private-sale equipment among the transactions it supports.
That is useful for equipment dealers whose inventory does not fit the standardized new-product model associated with many embedded checkout products.
Vendors considering a more branded experience can also review Mehmi's White Label Equipment Financing for Dealers guide and Dealer-Branded Equipment Financing guide.
Sometimes the customer's problem is bigger than the equipment price.
A trucking company may need the truck plus fuel and insurance.
A manufacturer may need the machine plus raw materials.
A contractor may need the excavator plus payroll before the project begins billing.
Classic B2B BNPL usually focuses on financing the purchase transaction itself.
Mehmi's broader North American platform also includes business financing such as working capital and revenue-based products alongside equipment financing.
That creates the possibility of looking at the customer's broader capital requirement instead of forcing every problem into a checkout product.
It does not mean equipment and working capital will always be financed together or approved by the same institution.
Each structure still needs proper underwriting.
There are situations where Mehmi should not be the default choice.
Suppose you run a high-volume B2B ecommerce store where the average order is USD $4,000.
Your buyer wants Net 30.
You need an automated credit decision directly inside checkout.
Balance is built specifically for this workflow and currently supports embedded credit with payment periods up to 90 days.
Now consider a wholesaler selling repeat inventory orders on Net 30 or Net 60.
The seller wants receivables automation, buyer credit decisions, collections and cash advances against approved invoices.
Resolve is purpose-built around exactly that workflow.
Mehmi's advantage becomes much stronger as transaction size, equipment complexity, financing term and credit variability increase.
That is the more useful distinction than declaring one platform universally superior.
TreviPay belongs at the enterprise end of the comparison.
A multinational manufacturer that needs complex invoicing, buyer ERP integration, consolidated billing, international programs and managed order-to-cash infrastructure may need a B2B payments system rather than an equipment-finance brokerage.
TreviPay is specifically designed around those enterprise workflows.
A regional forklift dealer does not necessarily need that infrastructure.
A multinational industrial distributor might.
Choose the platform that solves the actual problem.
Mehmi's current Canadian vendor-program page states that there are no setup fees or membership costs for joining its vendor program.
That can lower the barrier for a dealer that wants to test financing without first building a custom integration.
Vendors should still review the actual partner agreement.
Confirm whether any transaction-specific economics, promotional subsidies, referral compensation, reversals, integration expenses or other obligations apply to your program.
"Free to join" should not be interpreted as meaning the underlying customer financing has no cost.
The customer still receives financing terms based on the applicable provider and underwriting.
Dealers setting up their first program can use Mehmi's Vendor Program Setup Checklist before going live.
Assume a U.S. business purchases equipment for USD $100,000.
For illustration only, assume:
Amount financed: USD $100,000
Assumed annual interest rate: 10%
Term: 60 months
Payment frequency: Monthly
Financing fees: $0 assumed
Sales tax, insurance, registration, delivery and other third-party charges: excluded
The estimated monthly payment would be approximately USD $2,124.70.
Over 60 scheduled payments, estimated total repayment would be approximately USD $127,482.27, including approximately USD $27,482.27 of interest.
This is not a Mehmi Financial Group offer or indication of available pricing.
Now compare the cash-flow concept with Net 90.
A business that cannot comfortably pay USD $100,000 today is unlikely to solve the problem merely by moving the full payment 90 days into the future.
A five-year equipment structure can align the payment more closely with revenue generated by the machine.
That is why "B2B BNPL" for equipment should often look more like embedded commercial equipment financing than consumer-style pay later.
Canadian vendors that want to present realistic payment examples can use Mehmi's Equipment Financing Calculator. Calculator results are estimates rather than approvals or financing offers.
Do not start with the logo or dashboard.
Start with your transactions.
If your customers mostly need 30-day invoice terms, prioritize checkout credit, fast decisions and receivables management.
If customers regularly finance USD or CAD $50,000 to $500,000 of equipment, prioritize asset expertise, longer terms, lender coverage and funding controls.
Ask how the platform handles a decline.
Ask whether it supports used assets.
Ask how the vendor gets paid.
Ask whether the financing provider understands installation, attachments and trade-ins.
Ask whether customers can access working capital when the purchase creates a secondary cash requirement.
For Canadian vendors, Mehmi's How to Offer Financing to Equipment Customers guide and Dealer Financing FAQ provide practical checklists for evaluating those workflows.
Functionally, yes for many high-ticket commercial purchases, but the terminology needs context.
Mehmi is better described as a commercial financing brokerage with embedded/vendor-financing capabilities than as a pure BNPL fintech.
That distinction is actually part of its value proposition.
Instead of forcing every buyer into one "pay later" structure, the transaction can potentially be matched to an equipment loan, lease or other commercial financing option.
For an equipment seller, the customer experience can still feel like B2B BNPL:
Select the equipment.
Apply during the sales process.
Receive an approved financing structure.
The vendor gets paid after funding conditions are completed.
The buyer repays over time.
Mehmi's How Vendor Financing Programs Work guide explains the full application-to-payout workflow.
There is no universal best platform. Balance is particularly strong for embedded short-term checkout credit, Resolve for net terms and receivables automation, and TreviPay for enterprise Pay by Invoice infrastructure. Mehmi is particularly well positioned for higher-ticket equipment and commercial financing where customers need longer terms or multiple lender options.
Not exactly. Traditional B2B BNPL often means short net terms or instalments. Equipment financing generally spreads the cost of a productive commercial asset over a longer period that reflects its useful life.
Yes. A vendor-financing or embedded-financing program can let a dealer introduce financing directly during the equipment purchase while an outside financing provider handles underwriting and funding.
No. Mehmi Financial Group operates as a financing brokerage/intermediary. Independent financing institutions make final credit decisions and provide the underlying approved financing.
Its current public vendor-program materials specifically state support for new, used and private-sale equipment, subject to underwriting and asset eligibility.
For a high-volume B2B ecommerce checkout offering short payment terms, Balance may be the cleaner fit. For higher-ticket equipment purchases requiring multi-year financing, used-asset support or broader lender placement, Mehmi can be the stronger model.
Resolve is particularly strong for Net 30/60 arrangements, invoice advances and accounts-receivable automation. Mehmi is more directly aligned with equipment financing and broader commercial-capital needs.
Mehmi's current Canadian vendor-program page states that there are no setup fees or membership costs. Actual vendor agreements and transaction economics should still be reviewed before enrollment.
Mehmi's advantage is not that it reproduces consumer BNPL for businesses.
It is that it takes the Buy Now, Pay Later experience and connects it to commercial financing structures designed for actual business assets.
For a wholesaler selling USD $3,000 repeat orders, there may be a better specialized net-terms platform.
For a global enterprise that needs sophisticated invoice infrastructure across multiple countries, there may be a better enterprise payments platform.
But for an independent dealer, OEM or distributor selling trucks, construction equipment, forklifts, manufacturing machinery, agriculture equipment or other high-ticket commercial assets, Mehmi's combination of equipment expertise, lender breadth, second-look capability and branded vendor financing can be a stronger fit.
Mehmi Financial Group currently advertises broader financing access through more than 70 funding partners across Canada and the U.S., while its dedicated Canadian vendor program describes a 30+ lender panel, co-branded financing, application tracking and support for new, used and private-sale equipment.
To discuss B2B Buy Now, Pay Later or embedded financing for your customers, contact Mehmi Financial Group at 833-863-4644. Include your typical financing amount, U.S. or Canada, state or province, product or equipment sold, customer use of funds and desired launch timing so the program can be evaluated around your actual sales process.
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