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Wholesale
You extend the credit. Two takes the risk.
Wholesale runs on trade credit - but manual credit checks, dunning, and bad-debt exposure eat your finance team's time. Two automates approval, pays you upfront, and guarantees payment on every order Two approves.
Instant credit decisions, no manual review100% bad-debt protection on approved ordersOne provider for every buyer, every order size
100%
bad-debt protection
The wholesale challenge
Manual Credit Checks Are Costing You Growth.
Every wholesale distributor already offers trade credit - the question is whether it's manual, risky, and slow, or automated, protected, and instant.
01
The Manual Credit Grind
Vetting buyers, setting limits, and chasing late payments by hand eats finance-team hours - and still leaves you exposed to bad debt when a check gets it wrong.
2-second decisions.
02
The Bad-Debt Exposure
Every wholesale account you approve is a bet that they'll pay. One default can wipe out the margin on a dozen good orders.
100% bad-debt protection.
03
The Trust Question
Your wholesale buyers are a relationship, not just a transaction. Hand collections to the wrong partner and heavy-handed dunning can damage it.
You keep the relationship.
How Two Changes the Game
Every Wholesale Buyer, One Credit Engine.
From first-time guest buyers to your highest-volume trade accounts, Two credit-checks instantly and pays you upfront - so you can say yes to more orders, not fewer.
1
Instant Trade Account Approval
Buyers get a trade account with transparent credit limits and instant approval - no manual application, no days of waiting.
2
One Consolidated Invoice Statement
Frequent buyers get every order grouped into a single monthly statement instead of an invoice per shipment, cutting admin on both sides.
3
Guest Checkout for One-Off Buyers
New or occasional buyers can check out on credit terms instantly, without setting up a full account first.
4
Order Creator for Complex, High-Value Deals
For low-volume, high-ticket sales handled offline or by a rep, create and send an order in seconds and still get paid upfront.
5
Paid Upfront, Every Channel
Whether the order comes through checkout, in-store, or click-and-collect, you're paid immediately while Two carries the credit risk.
Case study
100% bad-debt protection
Why Rawlins Paints Chose Two: Streamlined Credit Management for Wholesale Growth
Rawlins Paints, a UK wholesale distributor of paints and coatings, automated its credit administration with Two - eliminating bad-debt risk and freeing its finance team to focus on strategic growth. "Two has allowed us to be completely protected, so any customer given credit - we know we will get paid regardless of what happens," says Ben Pickford, Director at Rawlins Paints.
Frequently asked questions
How does B2B financing work for wholesale distributors?
Two credit-checks and approves your buyer instantly, whether they're a one-off guest checkout or a long-standing trade account. You're paid the full order value upfront, while Two manages billing, collections, and 100% of the credit risk.
What happens if an approved buyer doesn't pay?
That's Two's risk, not yours. Once Two approves an order, payment to you is guaranteed - if the buyer defaults, Two absorbs the loss, not your business.
Can Two handle both high-volume repeat buyers and one-off large orders?
Yes. Trade Account with a grouped invoice statement suits frequent buyers who order often, while Order Creator is built for low-volume, high-ticket, offline sales. Guest Checkout covers new or occasional buyers who want credit terms without setting up an account.
Will offering credit through Two feel like invoice factoring to my customers?
No. Two sits behind the scenes as your embedded credit infrastructure - your buyers see your brand and your relationship, not a third-party lender or a factoring arrangement.
How much manual work does Two remove from credit management?
Two automates credit decisions, limit-setting, dunning, and collections end-to-end, removing the manual review and chasing that typically consumes a wholesale finance team's time.