Many B2B companies focus on products and sales but often overlook a major growth lever: payment flexibility.
Based on millions of transactions and trade credit evaluations processed through Balance’s financial infrastructure, this report reveals how payment terms directly influence customer acquisition, spend velocity, and retention.
Inside the Report: What You’ll Learn
1. The impact of payment terms on business growth
How payment flexibility drives buyer acquisition, spend velocity, and retention. The chapter also explores how dynamic credit management and automated limit adjustments unlock additional spend.
2. Invoicing & credit strategies by buyer segment
How SMBs, mid-market, and enterprise buyers differ in payment preferences, approval patterns, and credit requirements, and what these differences mean for designing scalable invoicing and net terms programs.
3. Benchmarks & best practices for invoicing programs
Key benchmarks for approval rates, DSO, and AR automation, plus practical ways to scale trade credit, improve liquidity, and streamline receivables through automation.
Key Findings and Insights
After introducing invoicing and net terms, merchants saw a 38% average increase in new buyer acquisition across industries.
Among existing customers who gained access to trade credit, 40% increased monthly spend, and 15% doubled it.
Following automated credit-limit increases, 84% of businesses increased spending, with average monthly spend up 56% within three months.
53.6% of SMBs settle invoices by credit card, prioritizing convenience and cash flow flexibility. But its higher processing costs and surcharges are driving a gradual shift toward ACH and RTP.
Disconnected systems, manual tracking, and inconsistent follow-ups make it difficult for finance teams to stay on top of aging invoices, highlighting the need for automation and optimized collections.
Get your copy now and explore the data shaping the future of B2B payments performance.
