Building Materials & Tools
Fuel Construction Growth with Instant Net Terms
Offer your contractors the net terms they need to scale. Get paid upfront while Two handles the credit, collections, and risk.
Real-time credit decisioning
Increase transaction volume
Eliminate fraud
Trusted by 200´+ Merchants
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Stop Financing Projects on Your Own Dime
Construction moves fast. Your cash flow shouldn't. With 82% of contractors waiting 30+ days for payment, you’re essentially acting as a bank for your clients—at the expense of your own growth. Two closes the gap between buying materials and getting paid.
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The Payment Stagnation
Stop inflating bids by 8% just to cover the cost of slow payments. We provide immediate liquidity, so you can take on more projects without draining your reserves.
Get Paid Today, Not in 90 Days.
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The Material Gap
Don't let a lack of upfront capital stall your timeline. Unlock flexible terms for high-ticket materials, keeping your subcontractors on-site and your suppliers happy.
Buy Materials, Build Now.
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The Administrative Burden
Ditch the paper checks and manual credit checks. Our platform handles the underwriting and collections, giving you back hours of administrative time every week.
Automated Credit & Collections.
B2B BNPL for construction
How Two powers construction payments
One integration. Every payment scenario covered.
Instant Trade Accounts
Contractors get pre-approved credit limits in seconds—not days. One-click ordering with consolidated monthly invoicing. Simply type in their company registration number for instant decisions.
Guest Checkout for New Customers
First-time buyers get instant credit approval without an existing relationship. No more losing sales because you can't extend credit fast enough.
Large Order Instalments
Equipment purchases, bulk materials—split payments over 3-24 months to match project timelines and cash flow cycles.
Risk-as-a-Service (RaaS)
AI-powered credit and fraud decisioning embedded into your existing stack. Automates checks in milliseconds across all channels — online, direct, and in-store — with zero manual review.
You Get Paid Immediately
No more 60-90 day payment terms eroding your cash flow. Two pays you upfront while your customers pay over time.
testimonial
"Two's model enables important customers to access higher limits than we'd ever risk alone, which directly increases their spend with us."
Ashley Heather
Head of Strategic Operations
Why Building Materials Nationwide Chose Two: Faster Growth with Higher Limits and Better Value
Discover how Building Materials Nationwide achieved 22% YoY growth and doubled recurring revenue by automating trade credit with Two.
Plugins
Plugin and direct API integration management.
Whether you decide to integrate with your favourite plugin or directly via our API, manage it all in one place for complete convenience.
Ready to get started?
Sign up to try our Merchant Portal or book a demo with our sales team.
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Boost efficiency
About Two
Built by merchants, for merchants.