Best net terms providers for solar construction supply (2026)
If you sell modules, inverters, racking, BOS components, or electrical equipment into solar construction, “which net terms provider” is really a question about one number: when does your buyer’s cash actually arrive? For EPCs and installers paid in milestones, with 5–10% retainage and ITC monetization timing layered on top, the honest answer is usually day 90–120 — which immediately sorts the provider field, because most of it stops at day 90.
| Provider | Model | Max terms (supplier-side) | Supplier payout | Solar-specific underwriting |
|---|---|---|---|---|
| Yellowpay | Vertical trade credit | NET-120 | 100% funded within 2 business days — often the same day | Yes — it’s the product |
| Resolve | Horizontal net terms platform | NET-90 | 50–90% advance in 1–2 days, remainder on buyer payment | No — horizontal model |
| Credit Key | B2B BNPL at checkout | NET-30 (installments to 12–24 mo) | ~100% within 24–48 hours | No — checkout scoring, lines to $50K |
| BlueTape | Construction trade credit | NET-90 | Upfront on financed invoices | General construction, not solar-specific |
| Billd | Contractor material financing | n/a — buyer-side, up to 120 days | Upfront cash when buyer’s purchase is approved | Project-based (contract-secured) |
Competitor details verified against each provider’s public documentation on the last-updated date. Tell us if something’s stale: contact.
This page covers the five realistic options, including the ones that compete with us and the option of doing nothing.
Yellowpay — the vertical option
We’ll state our own case plainly and let the honesty clauses on our comparison pages do the balancing. Yellowpay is trade credit built for solar (and data center) construction supply: NET-120 because that’s where milestone and retainage cash actually lands, 100% funded within 2 business days, non-recourse risk, credit lines sized for equipment orders, instant buyer decisions with pre-approvals for repeat purchases, and one flat rate per funded invoice quoted in writing at qualification. Roughly nine in ten dollars we fund today move through solar supply chains — the underwriting model is trained on exactly the buyers you sell to. If solar is your business, start here. If it’s a sideline, read on.
Resolve — the horizontal benchmark
The most established name in supplier-side net terms, and the benchmark everyone (including us) gets measured against: non-recourse, fast credit decisions, mature AR automation, clean white-label buyer experience. The two solar-specific frictions are the NET-90 ceiling and risk-based advances of 50–90% — meaning your strongest EPC buyers, whose cash arrives latest, are precisely where the model runs out of term, and part of your invoice can stay unpaid until the buyer settles. For a distributor whose solar volume is a minority of a broad book, those trade-offs may be acceptable. Yellowpay vs Resolve →
Credit Key — for counter and cart volume
If you run a web store for the long tail — small installers buying connectors, tools, and pallet-quantity orders — Credit Key’s instant checkout BNPL is genuinely effective: lines to $50K, NET-30 or installments, payout in about 48 hours. It has no answer for project-scale orders, and installment schedules fit operating budgets rather than milestone cash flow. Best used alongside project trade credit, not instead of it. Yellowpay vs Credit Key →
BlueTape — construction-native, dealer-oriented
The strongest general-construction trade credit product: supplier-side NET-30/60/90, upfront payment, and an SMB AR toolkit (invoice by text, integrated payments) built for building-material dealers. If your counter business looks more like a supply house serving mixed trades than a solar equipment distributor, BlueTape may fit that side of the book well — with the same day-91 gap as every non-solar underwriter. Yellowpay vs BlueTape →
Billd — when the buyer brings the financing
Not a provider you sign up for — a financing your contractor customers apply for, project by project, repaying up to 120 days at their own cost while you’re paid upfront. Zero effort for you, and zero presence in your sales motion: it helps close only the buyers willing to run a loan application. Know it, welcome it, don’t rely on it. Yellowpay vs Billd →
In-house terms — the incumbent everyone forgets to list
Most solar suppliers’ real “current provider” is their own balance sheet: NET-30 in-house, stretched case-by-case to 60 or 90 for good customers, with DSO quietly living in the 70s. It maximizes control and costs nothing visible — while concentrating buyer default risk on you, capping growth at your working capital line, and turning your sales team into part-time credit analysts. Every platform on this page is, one way or another, a way out of that trade.
Match the tool to the order profile
Cart-sized long tail → Credit Key. Mixed-trades counter business → BlueTape. Broad multi-vertical book with modest term needs → Resolve. Buyers who’ll self-finance → Billd costs nothing. Solar project supply as the core business → the terms have to reach day 120 and the whole invoice has to be funded, and that’s the specific product Yellowpay was built to be.
Why does everyone else stop at NET-90?
Because horizontal risk models price long tails across every industry at once, and 120-day exposure to an “unknown” vertical is expensive. Underwriting one supply chain deeply — milestone schedules, retainage, ITC timing — is what makes the extra 30 days priceable.
Do these platforms change what my buyer sees?
All the supplier-side options are white-label to varying degrees: buyers see your brand offering terms. The differences buyers actually feel are term length, credit line size, and whether approval is instant.
What about factoring my solar receivables instead?
Factoring is recourse in most forms, discounts your invoice, and inserts a third party into collections under its own name. It solves cash timing but not risk, and it isn’t a terms offer you can sell with — which is the growth half of the equation.
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