Instant net terms for every contractor. Zero credit risk for you.
Two is the B2B BNPL platform built for building materials merchants. Approve buyers in 2 seconds - on-site or online - extend the credit limits that win bigger orders, and get paid upfront while Two manages collections, risk and compliance.
7x
higher credit limits
Trusted by enterprise Building Materials Merchants
You're the Bank Contractors Don't Know They Have
The bid inflation problem
Late-payers push you to price in the risk. Upfront payment on every order lets you quote competitively and protect margin.
The credit ceiling
Contractors look risky on paper because they're paid after the job, not before. Legacy bureaus punish that cash flow. Two looks beyond the score to size the real opportunity.
The collections grind
Manual credit checks and chasing late invoices isn't why you got into materials distribution. Two automates it end-to-end.
How Two powers building materials payments
One integration. Every payment scenario covered.
Instant trade accounts
A company registration number becomes an approved credit line in under 2 seconds, with one-click reordering and one consolidated monthly invoice.
Guest checkout for new customers
New buyers get an instant credit decision with zero prior relationship, so slow underwriting never costs you a sale.
Large order instalments
Contractors spread bulk material and equipment orders over 3-24 months, while you're paid in full, upfront.
Risk-as-a-Service (RaaS)
Delphi (credit) and Frida (fraud) run embedded in your stack, cutting fraud losses up to 97% with the same millisecond decision on every channel.
You get paid immediately
Two pays your invoice in full the moment the order is confirmed, while contractors get their 30-90 day terms.
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, BMN
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.
Frequently asked questions
What is B2B BNPL for building materials?
B2B BNPL (buy now, pay later) lets building materials merchants offer contractors net 30-90 day payment terms at checkout, while the merchant is paid upfront. Two underwrites the credit, so the merchant carries none of the risk.
How fast are credit decisions for contractor accounts?
Two's credit engine, Delphi, returns a decision in under 2 seconds using a company registration number, approving 90%+ of buyers with limits up to 7x higher than traditional credit bureaus offer.
Who carries the credit risk when I offer net terms?
Two does. The merchant is paid upfront on every approved order, and Two owns the receivable, the underwriting, and the collections process.
Can a new contractor get credit with no prior relationship?
Yes. Two's guest checkout gives first-time buyers an instant credit decision, so merchants can win new accounts without waiting on manual underwriting.
What net terms can I offer contractors?
Merchants can offer standard net 30-90 day terms - timed to match when the contractor gets paid by their own client - or split large equipment and bulk material orders into instalments over 3-24 months, with Two paying the full order value upfront either way.
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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About Two
Built by merchants, for merchants.