Heavy Manufacturing

Sell the machine. Get paid upfront. Every spare part after.

From heavy equipment to spare and wear parts, Two credit-checks your industrial buyers instantly and pays you the full order value upfront - no new systems to learn, no risk to carry.

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✓Instant credit decisions, no new software to learn✓100% credit and fraud protection on approved orders✓One provider for machines, parts, and everything between

36+mo

flexible terms for capex orders

The heavy manufacturing challenge

Big Machines. Bigger Cash Flow Gaps.

Whether you're selling a capital machine or the spare parts that keep it running, waiting on buyer payment terms ties up the capital you need to keep manufacturing.

01

The Capex Cash Lock

A single machine order can tie up six or seven figures of working capital while you wait on payment terms - right when you need cash to build the next unit.

Paid upfront, any order size.
02

The Parts Admin Grind

Spare and wear parts sell often, in smaller amounts - but manually credit-checking and invoicing every reorder eats the same admin hours as a full machine sale.

Instant checks, every reorder.
03

The Legacy Systems Wall

Many industrial buyers still run on paper POs and manual approvals. A payment solution that demands a new portal or a long IT integration never gets adopted.

No new systems required.
How Two Changes the Game

One Credit Engine for Machines and Parts Alike.

Two credit-checks your industrial buyers instantly - on a capital equipment order or a routine parts reorder - so you get paid upfront without adding a new system for your team or theirs to learn.

1
Instant Credit Decisions, Any Order Size
Whether it's a six-figure machine or a routine spare-parts reorder, buyers are credit-checked and approved in seconds - no manual review either way.
2
Terms Up to 36+ Months for Capex Orders
Large equipment purchases can be spread over up to 36 months, so a big capex decision doesn't stall your sale.
3
Fast, Simple Reorders for Spare & Wear Parts
Repeat parts buyers get standing credit that renews automatically, so routine reorders don't need a fresh credit check every time.
4
Paid Upfront, Regardless of Terms
You get paid in full the moment the order ships, whatever payment terms your buyer is on. Two carries the credit and collections risk.
5
No New Systems to Learn
Go live with a no-code checkout or a simple API integration - built to work alongside the paper-based POs and manual approvals many industrial buyers still run on.

Frequently asked questions

How does B2B financing work for heavy manufacturing and industrial equipment sellers?
Two credit-checks and approves your buyer instantly, whether they're ordering a capital machine or a routine spare part. You're paid the full order value upfront, while Two manages billing, collections, and credit risk.
Can Two handle large capex equipment purchases as well as smaller recurring orders?
Yes. Instalments spreads large equipment purchases over up to 36 months, while standing credit on repeat spare and wear parts orders means routine reorders don't need a fresh check every time.
Do we need to overhaul our systems or processes to use Two?
No. Two is built to work alongside how your buyers already operate, including paper-based POs and manual approval chains - go live with a no-code checkout or a simple API integration, whichever fits your team.
Who takes on the credit and fraud risk?
Two does. Once a buyer is approved, Two owns the credit and fraud risk end-to-end, so a customer that doesn't pay is Two's exposure, not yours.
Does Two work for both machine sales and spare or wear parts resale?
Yes. The same credit engine covers both - a one-off capital equipment sale and a high-frequency spare parts account - so you don't need separate payment processes for each.

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