Best B2B Customer Financing Platforms for Industrial Distributors
An industrial distributor can have the right product, competitive pricing, and a customer ready to purchase—and still lose momentum when financing becomes a separate process.
A manufacturer purchasing a CNC machine may need a five-year equipment loan. A contractor ordering electrical supplies may prefer Net 60 invoice terms. A warehouse operator buying forklifts, conveyors, and racking may need a financing structure covering equipment, installation, and several delivery dates.
These are different credit problems. The platform supporting them should reflect that.
This guide compares B2B customer financing platforms available to industrial distributors in the United States and Canada, including equipment-financing providers, embedded financing programs, and trade-credit platforms. It explains their strengths, limitations, costs, and practical suitability for different sales models.
Quick Answer: The best B2B customer financing platform depends on what an industrial distributor sells. Mehmi Financial Group, DLL, and Mitsubishi HC Capital are options to evaluate for equipment loans and leases. TreviPay, Credit Key, and Resolve focus more on invoice terms and repeat purchasing. Compare country availability, underwriting, integration, total cost, and seller payout before choosing.
How were these B2B financing platforms selected?
The comparison prioritizes solutions with publicly documented business financing capabilities relevant to industrial distributors, manufacturers, equipment dealers, or wholesale suppliers.
Each option is evaluated for its intended financing product, U.S. and Canadian coverage, customer application process, integration or partner tools, and how the distributor receives payment.
A platform that provides Net 30 trade credit should not receive the same evaluation as a lender financing a production machine over several years.
These are use-case recommendations, not an independently audited ranking of financing rates, credit approval percentages, software reliability, or customer satisfaction. Product availability and final terms require confirmation with each provider.
Disclosure: Mehmi Financial Group publishes this comparison and is included as one of the options. Mehmi is a commercial financing brokerage and intermediary, not a direct lender. Other providers are considered using the same functional criteria.
10 Best B2B Customer Financing Platforms for Industrial Distributors
1. Mehmi Financial Group — Best for broker-assisted multi-provider equipment financing
Availability: Canada and eligible U.S. statesFinancing focus: Equipment loans, equipment leasing, and other eligible commercial financingPlatform model: Brokerage-managed embedded financing
Mehmi Financial Group provides industrial distributors with a way to introduce customer financing through product pages, sales quotations, and vendor-facing applications.
Its published vendor financing program describes financing-source matching, application tracking, shared team communication, and a dashboard for monitoring deals from application through funding.
For distributors selling CNC machinery, automation systems, forklifts, commercial trucks, and other high-value assets, the main attraction is access to a broker-assisted process rather than relying exclusively on one lender's underwriting policies.
Strengths: Multi-provider placement, branded financing pathways, equipment-focused transaction support, and visibility into application progress.
Limitations: Mehmi is not an independent software-only subscription or a direct lender. Available financing depends on independent providers. Its U.S. services also have specific state restrictions, discussed later in this guide. Custom integration capabilities should be confirmed before implementation.
This model is most worth considering when an industrial distributor needs people to help manage credit conditions as well as software to organize the process.
Mehmi Financial
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For a deeper explanation of brokerage-backed technology, see Mehmi's B2B financing platform features and costs guide.
2. APPROVE — Best for embedded equipment financing at the point of sale
Availability: United StatesFinancing focus: Commercial equipment purchasesPlatform model: Multi-lender equipment financing marketplace
APPROVE is designed specifically for equipment sellers that want financing included wherever a customer encounters pricing.
Its public offering includes monthly-payment illustrations on product pages, financing applications connected to quotes, showroom QR codes, emailed application links, and a centralized dealer portal.
APPROVE also provides access to competing financing providers through its equipment-financing network.
For an industrial distributor with an online product catalogue and outside sales representatives, these capabilities can make financing easier to introduce consistently.
APPROVE's technical documentation describes website plugins, branded customer portals, vendor dashboards, and API integrations.
Strengths: Equipment-specific software, quote integration, multiple financing sources, dealer reporting, and documented integration options.
Limitations: Its published seller onboarding is oriented toward U.S. businesses. Canadian availability should not be assumed. Distributor account access may be free under the published vendor program, but custom integration, lender pricing, and transaction conditions require confirmation.
approvepayments.com
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3. DLL — Best for established manufacturers and industrial equipment distribution networks
Availability: United States and Canada, subject to local program eligibilityFinancing focus: Equipment financing, leasing, and dealer inventory financePlatform model: Direct vendor-finance partnership
DLL works with manufacturers, suppliers, distributors, and dealers across equipment and technology markets.
Its published industrial and vendor-financing offerings cover financing throughout the equipment distribution chain, from the manufacturer and dealer to the end customer.
This is useful for established distributors because there are often two separate financing problems.
The customer may need a loan or lease to acquire industrial equipment. The distributor may separately need inventory or floorplan financing to carry products before a customer purchases them.
DLL offers financing structures addressing both areas, although they remain distinct facilities with different borrowers and obligations.
Strengths: Asset-finance specialization, established OEM and dealer programs, and both U.S. and Canadian operations.
Limitations: A direct vendor program may require more formal onboarding and sufficient alignment with DLL's industry and commercial priorities. Integration details and lender-specific requirements need to be established through the relevant local team.
Official Website
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Distributors comparing a dedicated financial institution with an intermediary can use our guide to choosing a B2B customer financing partner.
4. Mitsubishi HC Capital — Best for specialized industrial machinery financing
Availability: United States and Canada through their respective operationsFinancing focus: Equipment loans, leases, and customized vendor programsPlatform model: Direct financing partnership with digital transaction tools
Mitsubishi HC Capital America's U.S. vendor programs support equipment manufacturers, dealers, and other commercial suppliers. Its published offering includes equipment loans, leases, and lines of credit for qualifying transactions.
In Canada, Mitsubishi HC Capital Canada's vendor and broker financing program supports equipment acquisitions through a separate local operation.
The Canadian business also offers Propel, a portal with financing quotations, credit applications, contract generation, electronic signatures, status notifications, and transaction dashboards.
That combination is relevant to distributors selling complex industrial assets requiring formal customer credit review and financing documentation.
Strengths: Industrial-equipment expertise, customized programs, Canadian and U.S. operations, and documented Canadian partner software.
Limitations: The Canadian Propel portal should not be assumed to be available in the identical form to U.S. dealers. Equipment eligibility, integration, customer documentation, and dealer payment arrangements need separate confirmation for each country.
mhccna.com
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For specialized machinery, our CNC machine dealer customer financing guide explains the effect of asset age, useful life, installation, and customer cash flow on financing.
5. GreatAmerica Financial Services — Best for established U.S. industrial equipment dealers
Availability: United StatesFinancing focus: Equipment financing, leasing, and customized vendor programsPlatform model: Direct financing partner with vendor tools
GreatAmerica Financial Services offers financing programs for equipment manufacturers, dealers, and distributors, including construction and industrial equipment businesses.
Its published capabilities include branded sales materials, digital document signing, vendor training, and financing arrangements involving equipment, technology, and associated services.
GreatAmerica is particularly relevant when an industrial supplier wants financing structured around a more complete equipment package.
For example, a distributor might sell machinery together with attachments, technology, and support. The financing provider must determine which components are eligible and how the overall transaction will be documented.
Strengths: Dealer-program support, digital signing, branding, financing-related sales tools, and industrial-equipment experience.
Limitations: Its U.S. program should not be treated as automatically available for Canadian customers. The terms of any bundled service financing, lessor ownership, dealer obligations, and equipment eligibility require review.
GreatAmerica
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For larger systems and integrated production lines, our packaging equipment dealer financing guide explains why component pricing, installation milestones, and acceptance conditions can complicate funding.
6. TreviPay — Best for enterprise trade credit and repeat industrial purchasing
Availability: United States and Canada, subject to the specific programFinancing focus: B2B trade credit, net payment terms, and invoicingPlatform model: Embedded B2B payments and receivables management
TreviPay helps commercial sellers provide qualified buyers with invoice-based payment terms while supporting credit management, billing, reconciliation, and collections.
This approach suits industrial distributors with repeat-purchase customers ordering spare parts, components, fleet supplies, or maintenance products.
A documented example is TreviPay's program with TICO Manufacturing, which provides eligible dealers and fleet customers in the U.S. and Canada with 30-day payment terms.
Strengths: Trade-credit programs, repeat-buyer accounts, billing controls, invoicing, and cross-border capabilities.
Limitations: Net terms are not equivalent to a five-year equipment loan. Confirm seller settlement schedules, supported buyer countries, currencies, credit limits, and fees for your program.
TreviPay
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Canadian wholesale suppliers can examine the structural differences in our B2B payment plans guide for Canadian distributors.
7. Credit Key — Best for U.S. wholesale checkout and repeat orders
Availability: United States; Canadian availability not established for this comparisonFinancing focus: Net terms and shorter-duration installment paymentsPlatform model: Embedded B2B checkout and payments
Credit Key provides business buyers with payment choices that include Net 30, Net 60, Net 90, and eligible installment plans.
It supports online checkout, in-store transactions, and purchases handled by phone or field sales representatives.
That makes it relevant to distributors of industrial consumables, safety supplies, electrical components, maintenance products, and other repeat-order inventory.
Credit Key advertises seller-payment and credit-risk services, but the actual settlement, return, fraud, and dispute provisions should be verified in the merchant agreement.
Strengths: Omnichannel checkout, repeat-buyer payment options, outsourced credit review, and collections support.
Limitations: Financing limits, payment choices, fees, and eligibility depend on the specific program. Credit Key is not primarily a long-term industrial machinery lender.
How it works
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Distributors serving U.S. customers can also review our guide to customer financing platforms for U.S. vendors.
8. Resolve — Best for U.S. distributors offering Net 30–90 invoice terms
Availability: Primarily U.S. suppliers and buyers, with limited approved cross-border supportFinancing focus: Trade credit and advances on eligible receivablesPlatform model: B2B credit, invoicing, payment, and collections software
Resolve is designed for suppliers that want to offer buyers payment terms without waiting until the invoice due date to receive cash.
Its published program includes credit assessments, customer payment terms, collections, and advances against qualifying invoices. An advance may cover only part of the invoice initially, depending on the agreement.
That distinction matters for distributors buying inventory from suppliers before reselling it. A partial advance and a full customer invoice are different cash-flow amounts.
Strengths: Credit review, net terms, receivables advances, payment management, and collections workflows.
Limitations: Confirm the advance percentage, fees, any retained balance, timing of settlement, and circumstances in which the seller remains responsible for a dispute or defective delivery.
Resolve's FAQ states that it mainly serves U.S. businesses. Select Canadian buyers may be eligible under approved arrangements, but qualifying international invoices must be paid in USD and may incur additional fees. That is not the same as offering a domestic Canadian-dollar program.
Resolve
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9. National Bank Equipment Finance — Best for Canadian distributor quotations
Availability: CanadaFinancing focus: Commercial equipment financingPlatform model: Institutional dealer-financing portal
National Bank Equipment Finance offers an Interactive Dealer portal for preparing financing quotations, submitting customer applications, reviewing financing information, and requesting buyout quotes.
Its separate Interactive Quote and Apply tool can support payment estimates and customer applications through a dealer's website.
This is particularly relevant to Canadian industrial distributors that sell equipment repeatedly and want standardized financing quotations.
Strengths: Dealer quoting, customer applications, financing-history visibility, and website tools.
Limitations: These are tools within National Bank's financing program, not an independent multi-lender software marketplace. Distributor onboarding, eligible assets, and credit requirements depend on the provider.
nbc.ca
10. RCAP Leasing MyFolio — Best for Canadian equipment leasing and portfolio management
Availability: CanadaFinancing focus: Equipment leasingPlatform model: Vendor portal supported by a leasing provider
RCAP Leasing offers MyFolio, a digital platform for equipment vendors.
Its published functions include customer lease quotations, application submission, credit-status notifications, contract information, and reporting.
Dealers can also access lease-expiry and trade-up or buyout information, potentially helping them plan equipment replacement discussions with existing customers.
For industrial distributors with repeat equipment purchases, that portfolio visibility may be more useful than a basic financing application link.
Strengths: Leasing quotes, application updates, contract details, and renewal-related information.
Limitations: MyFolio operates within RCAP's financing relationship. It should not be treated as a multi-lender financing exchange or proof that every used or specialized machine qualifies.
Equipment Suppliers
Distributors wanting a broader approach to equipment finance can read our guide to embedded equipment financing for business customers.
Which financing model is best for an industrial distributor?
The best financing structure depends on whether the customer is acquiring a long-lived asset or purchasing products that turn over regularly.
Equipment loans and leases for machinery purchases
Equipment financing is generally more suitable for durable assets such as CNC machines, forklifts, compressors, industrial robots, and packaging lines.
A loan typically finances ownership of an asset, subject to the lender's security interest. A lease can involve different ownership rights, purchase options, and end-of-term obligations.
For either structure, compare the equipment's age, condition, expected useful life, collateral value, and the buyer's ability to repay.
The distributor should also establish whether freight, installation, training, software, and commissioning can be included. These expenses may not have the same collateral value as the equipment itself.
Net terms for repeat industrial inventory orders
Net 30, Net 60, and Net 90 arrangements generally require payment within an agreed period after invoicing. They are often useful for parts, materials, consumables, and stock purchases.
They do not automatically allow a customer to repay a major machinery acquisition over several years.
A distributor extending terms from its own balance sheet remains exposed to collection delays and bad debt. A third-party trade-credit platform can change who funds the sale and assumes ordinary approved credit risk, subject to the contract.
Working capital and factoring for different cash-flow problems
A customer may instead need working capital to purchase resale inventory, pay suppliers, or cover a temporary cash-flow gap.
A business loan or line of credit provides borrowing capacity subject to its own repayment obligations. Invoice factoring allows a company to obtain cash against eligible receivables, usually at a discount or fee.
These are not substitutes for the same product.
If the customer has persistent operating losses rather than a temporary cash-flow mismatch, additional debt may make the problem worse. A smaller order, phased delivery, rental arrangement, or delayed purchase may be more appropriate.
What should you compare before signing with a financing platform?
Start with a representative transaction and follow it from quotation to payment.
How does the application become a funded sale?
Ask the provider to demonstrate each status: application started, documents required, credit review, conditional approval, contracts, and funding.
A conditional approval may still require an invoice, insurance, equipment serial numbers, proof of delivery, or customer acceptance.
Do not treat an approval notification as permission to release equipment or assume that your company has received funds.
What does the program actually cost?
Separate the customer's financing cost, the distributor's program cost, and the distributor's net proceeds.
Ask about setup and subscription charges, transaction fees, dealer-funded promotions, payment deductions, integration costs, and termination provisions.
For equipment financing, compare the stated rate or pricing method, term, payment frequency, total repayment, upfront charges, security, personal guarantees, early payoff provisions, and end-of-term obligations.
Also review the distributor's responsibility if a transaction is cancelled, goods are disputed, or an invoice is inaccurate.
Our customer financing program cost guide explains how to evaluate the financial impact of these arrangements.
How much customization do you really need?
A distributor with a small sales team may only require an approved financing link in its quotations.
Larger operations might require single sign-on, CRM or ERP integration, automated data transfer, multiple user roles, and reporting across branches.
A white-label interface can maintain brand continuity but does not make the distributor the lender. Review our white-label B2B financing platform guide before committing to custom development.
Many businesses can test a hosted application first. Our guide to launching embedded financing without an API explains the available starting points.
Illustrative example: What could an industrial equipment loan cost?
Consider a Canadian industrial distributor selling a production press for CAD $180,000 before applicable taxes.
The customer contributes CAD $30,000 and finances CAD $150,000.
ILLUSTRATIVE EXAMPLE — NOT A FINANCING OFFER
Equipment purchase price
CAD $180,000
Financed principal
CAD $150,000
Assumed annual interest rate
8.75%
Term
60 months
Monthly payment
CAD $3,095.58
Total loan repayments
CAD $185,735.09
Total loan interest
CAD $35,735.09
Separate upfront fee
CAD $900
Total purchase and financing cash paid: CAD $216,635.09, including down payment, all scheduled loan payments, and the fee.
Assumes fixed nominal annual interest of 8.75%, calculated monthly, 60 monthly payments in arrears, and no balloon or residual. Totals use unrounded payments; the final installment may differ slightly.
The total interest plus stated fee is CAD $36,635.09.
The example excludes GST/HST, applicable provincial taxes, installation, freight, insurance, maintenance, registration costs, and any additional transaction-specific expenses. It assumes no early repayment. The nominal interest rate is not a fee-inclusive APR.
If the buyer has CAD $4,500 available monthly after operating costs and existing debt obligations, the proposed payment leaves approximately CAD $1,404.42. The buyer should assess whether that cushion can survive slower production or sales periods.
Dealers can explore other Canadian-dollar assumptions through Mehmi's equipment financing calculator. Calculator results are estimates, not credit decisions or offers. This CAD example should not be converted into a U.S. offer merely by replacing the currency symbol.
What changes between the United States and Canada?
Country eligibility must be established separately, even when a financing company operates in both markets.
United States
U.S. financing programs may involve state-specific commercial financing disclosure rules, broker licensing, and lender requirements. The federal Equal Credit Opportunity Act and its implementing Regulation B also govern aspects of credit transactions, including business credit. See the Consumer Financial Protection Bureau's Regulation B guidance.
Consumer Financial Protection Bureau
Equipment financing may involve UCC security interests or separate title-related procedures, depending on the asset. U.S. quotes should be expressed in USD, with applicable sales or use taxes and other costs addressed separately.
For Mehmi specifically, its published U.S. policy generally restricts commercial loan-broker applications involving borrowers principally located in California, Illinois, Missouri, Nebraska, North Carolina, North Dakota, and Vermont unless applicable authorization or an exemption has been confirmed.
Additional product-specific restrictions apply in certain circumstances, including covered sales-based financing in Connecticut, Virginia, and Texas. These are Mehmi's operating restrictions, not statements that all commercial financing is prohibited in those states.
Mehmi Financial Group North America
Canada
Canadian equipment transactions should be quoted in CAD when denominated in Canadian dollars, with the applicable GST/HST and provincial tax treatment considered.
Security interests in most common-law provinces are generally handled under provincial Personal Property Security Act systems. Ontario's Personal Property Security Registration system provides an example.
Quebec follows its own civil-law framework, including movable hypothecs and the Registre des droits personnels et réels mobiliers (RDPRM).
ontario.ca
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Customer-data collection must also follow applicable privacy laws. The Office of the Privacy Commissioner of Canada explains meaningful consent requirements under PIPEDA and related provincial privacy frameworks.
priv.gc.ca
A financing platform serving both countries needs to establish which legal entity is providing the product, what customer information may be shared, and which documentation applies to each transaction.
How should an industrial distributor launch customer financing?
Begin with a limited pilot involving actual sales situations.
Test one straightforward equipment purchase, one more complex machinery transaction involving installation or used assets, and one recurring materials or inventory order.
For each transaction, establish the expected application documents, customer payment obligations, distributor funding conditions, and responsibilities if the buyer is declined or the order changes.
Train sales representatives to present financing estimates as conditional. They should not promise specific rates, universal approvals, or funding dates.
Measure completed applications, funded transactions, administrative time, net proceeds, and the reasons deals fail to close—not simply application volume.
Our guide to launching customer financing for your business provides a more detailed implementation process.
Frequently Asked Questions About B2B Customer Financing Platforms
Can one platform finance both industrial equipment and inventory purchases?
Potentially, but the underlying products may differ. Durable machinery commonly fits equipment loans or leases, while consumables and inventory may be better suited to trade credit or working-capital facilities.
Confirm each use of funds rather than assuming one approval covers every purchase category.
Does the distributor need to become a lender?
No. A distributor can refer customers to a third-party lender, lessor, brokerage, or trade-credit platform.
The distributor still needs to understand its obligations concerning marketing claims, applications, customer consent, delivery, refunds, and financing documentation.
Can a platform finance used industrial equipment?
Some equipment-financing providers consider used machinery. Eligibility depends on the asset's age, condition, remaining useful life, ownership, valuation, and the customer's financial circumstances.
A parts-oriented Net 30 platform should not automatically be treated as a used-machinery lender.
Can industrial distributors offer financing under their own brand?
Yes, some programs support branded or co-branded applications.
However, the customer must receive accurate information identifying the responsible financing parties and relevant contractual terms. White-label design does not transfer underwriting control to the distributor.
Who bears the loss if a buyer fails to pay?
The answer depends on the contract.
A third-party lender generally bears the ordinary credit exposure under its own approved loan. A trade-credit provider may assume defined nonpayment risk.
However, vendor agreements can preserve recourse for fraud, non-delivery, inaccurate invoices, disputed goods, or other contract breaches. Review those exceptions carefully.
Is a multi-lender platform always better than a direct financing relationship?
No. A direct financing relationship can be effective for standardized products and established customer profiles.
A multi-provider or brokerage-assisted model may provide additional placement possibilities when transactions vary substantially.
Neither approach guarantees approval, the lowest cost, or the fastest funding.
Discuss B2B Customer Financing With Mehmi Financial Group
For industrial distributors selling equipment, machinery, automation systems, and related commercial assets, Mehmi Financial Group can discuss a brokerage-assisted customer financing program.
Prepare the typical financing amount, whether your customers operate in the United States or Canada, their state or province, the equipment or other use of funds, and the expected timing.
Also identify whether the main need is long-term equipment financing, recurring inventory purchases, or a combination. Those needs may require different financing structures.
Mehmi Financial Group is a commercial financing brokerage and intermediary, not a direct lender. All financing options depend on independent providers' underwriting, pricing, documentation, funding conditions, and geographic availability.
Call 833-863-4644 or contact Mehmi Financial Group to discuss a B2B customer financing program for your distribution business.