Trade credit
Last updated: August 2026
Trade credit is a supplier letting a buyer take goods now and pay later on agreed terms. It's the oldest form of B2B financing — and by default it sits on the supplier's balance sheet, funded by the supplier's own working capital.
Why it matters in construction supply
Contractors and EPCs depend on terms to bridge the gap between buying materials and being paid for the job. Suppliers who offer terms win the order — and inherit the wait and the credit risk that come with it.
Trade credit without the balance sheet
A trade-credit platform carries the receivable instead: Yellowpay pays the supplier within 2 business days, gives the buyer up to 120 days, and takes the buyer credit risk non-recourse.
Related terms
Sell on terms. Bank on Day 1.
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