Automotive spare parts

Instant trade credit for every parts order. Zero credit risk for you.

Two is the B2B BNPL platform built for automotive spare parts distributors. Approve buyers in 2 seconds, extend the credit limits that win bigger orders, and get paid upfront while Two manages collections, risk, and compliance.

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✓Upfront payment unlocks faster restocking✓Compete on terms, not just price✓Scale without balance sheet strain

96%

buyer acceptance rate

Trusted by leading automotive parts distributors

DEKKPROFF logoVintage Wheels logoDäck365 logoBILDELER.NO logoTyred logo
Automotive & spare parts challenge

Cash Tied Up Is Inventory You Can't Sell.

Distributors want to offer trade terms that win bigger orders. But without the right credit and collections engine behind you, extending terms means tying up cash and taking on risk.

01

The Inventory Cash Trap

Distributors front the cost for thousands of SKUs, then wait weeks on buyer payment terms - stalling the next restock right when demand is highest.

Paid upfront. Every order.
02

The Terms Standoff

Workshops and fleets expect net 30, 60, or 90 to place bigger orders. Sell only on prepay or card, and they'll take the order to a distributor who offers terms.

Compete on terms, not price.
03

The Credit Guesswork

Repair shops and small fleets rarely fit a neat credit file. Manual vetting slows every new account, and chasing late invoices eats hours your team doesn't have.

2-second credit decisions.
How Two Changes the Game

Sell More. Get Paid Upfront. Let Two Carry the Risk.

Two credit-checks and approves your buyer instantly, so you can extend the trade terms that win bigger orders - without tying up cash or taking on risk.

1
Instant Credit Approval, Any Channel
Buyers are credit-checked and approved in seconds whether they order online, over the counter, or through a rep - no manual review holding up the sale.
2
Net Terms Up to 90 Days
Offer the net 30, 60, or 90 terms that win bigger fleet and workshop accounts, without carrying the credit exposure yourself.
3
Paid Upfront, Every Order
You get paid in full the moment the order ships. From there, Two carries the credit and collections risk.
4
Smarter Credit Limits
Two's underwriting looks beyond a standard credit score, so workshops and fleets get limits that reflect their real buying power - and your best accounts can order more.
5
Seamless Integration, No-Code or API
Go live fast with a no-code checkout, or integrate end-to-end via API across your storefront, merchant portal, or point of sale.
Real results

Distributors Already Winning With Two

See how Bildeler.no lifted its B2B acceptance rate and unlocked more trade sales with Two.

Case study
96% acceptance rate
Bildeler.no Achieves 96% Acceptance Rate for B2B Customers with Two
Bildeler.no needed to approve more of its B2B buyers without taking on credit risk. Two's instant credit decisions and Guest Checkout helped the automotive parts retailer convert far more trade customers - while getting paid upfront on every order.
Automotive parts e-commerce
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Frequently asked questions

How does B2B financing work for automotive parts distributors?
Two's Instalments and Trade Account products let your B2B buyers pay on net terms or in instalments, while you're paid in full upfront. Two takes on the credit and fraud risk, so you can extend the terms that win bigger orders without tying up cash.
Can Two approve workshops and small fleets that don't have a strong credit history?
Yes. Two's credit engine, Delphi, looks beyond a traditional credit score to assess real buying power, so newer workshops, independent garages, and smaller fleets can still get approved and extend credit responsibly.
Do I need to change my checkout or point-of-sale system to offer this?
No. Two integrates via a no-code checkout for online orders, or via API for full automation across your storefront, merchant portal, or point of sale - whichever fits how your customers actually buy.
Who manages collections and chasing late payments?
Two does. Once a buyer is approved and the order ships, Two owns collections and the credit risk end-to-end, so your team never has to chase an invoice.
Does Two support automotive parts distributors in both the US and Europe?
Yes - Two operates across both the US and EU markets under one provider, so you're not stitching together multiple financing partners as you grow.

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