Net 90 Vendors to Boost Cash Flow & Business Credit

Partnering with net 90 vendors is a great way for small businesses to increase cash flow while simultaneously building business credit. It allows you to form key vendor relationships where you can establish customer loyalty and gain trade references.

Here, you’ll find today’s top net 90 vendors with info on business credit bureau reporting, eligibility requirements, and more.

What Are Net 90 Vendors?

Purchasing from a net 90 vendor works just like buying from net 30 day or net 60 vendors. But rather than having shorter net payment terms like 30 or 60 days, net 90 vendors give you net 90 terms.

This means you have 90 days (roughly three months) to pay an invoice, which is longer than most business credit cards. Some may even offer an early payment discount.

That way, you have plenty of invoice flexibility and can use your improved business credit score to unlock other financing opportunities, like a desirable business credit card or business loan.

If you’re looking for net 30 invoice terms, some options are Home Depot, Wise Business Plan, Uline, and invoice factoring company, eCapital. Summa Office Supplies was a good net 30 choice but has recently shut down.

List of Net 90 Vendors

1. Bzaar

Source: Bzaar

Many small business owners are looking to source from India but struggle with logistics complexities. That’s where Bzaar comes in.

Bzaar “has decades of experience in global supply chains and deep connections within the Indian manufacturing landscape to make sourcing reliable, transparent, and agile.”

Through this company, you can purchase a wide range of products, including furniture, decor, textiles, and more. While the product line, admittedly, isn’t as practical as some other net 90 vendors, Bzaar can be a good partner to add to the mix to build business credit.

With 90 days to pay an invoice, this is much longer than what many similar companies offer, such as Saks Global, which only has a net 30 account.

In terms of eligibility, Bzaar is one of the easier companies to qualify for. You just need to operate a brick-and-mortar business, have been around for 90 days, and have a positive credit rating.

Bzaar doesn’t state which business credit bureaus they report to, but they likely report to at least one of the three major bureaus of D&B, Experian, and Equifax Business.

As for the minimum purchase amount, it varies by the specific product you buy and from which vendor.

Learn more about invoice net terms on the Bzaar website.

2. Dell

Source: Dell

Dell is one of the world’s most popular technology providers and has a rich history dating back over 40 years.

They offer a comprehensive line of computers, computer accessories, software, IT infrastructure, and much more. With Dell Pro Pay, a business owner can obtain short-term financing with 3, 6, 9, or 12-month repayment terms.

You can get a full overview of this business financing program, as well as all other Dell payment solutions, here.

Qualifying for a 90 day vendor account with Dell is a bit more difficult than some other vendors.

You’ll need:

• To have been in business for at least two years
• An EIN
• A DUNS number
• To be in good standing with your Secretary of State
• To have a PAYDEX score of 80 or higher

As for trade credit minimum purchase, there’s no specific requirement with Dell’s net 90 payment terms.

For business credit reporting, Dell reports to Dun & Bradstreet and Experian Business, making it an ideal vendor through which to build business credit.

3. Faire

Source: Faire

Faire is an “online wholesale marketplace for retailers and brands.” They help small business owners such as yourself connect with retailers worldwide to find products your customers will love while offering 90 day trade credit.

Faire offers many products, including home decor, jewelry, paper, novelty, food and drink, and men’s and women’s clothing that’s on par with luxury brands like Bergdorf Goodman.

You can also filter products by the values you care most about, such as handmade, eco-friendly, organic, and not sold on Amazon Business.

It’s their job to oversee transactions to ensure smooth dealmaking between retailers and brands. And like the other companies on this list, Faire offers net 90 payment terms, giving you three months to pay an invoice.

Eligibility requirements for invoice trade credit with this vendor are pretty straightforward.

You must:

• Be a verified retailer on Faire’s platform
• Have a legitimate online business or brick-and-mortar store
• Have a valid reseller’s permit or equivalent documentation

Minimum orders will vary from brand to brand (Faire partners with over 100,000 brands, so this can vary significantly).

Like Bzaar, Faire doesn’t openly disclose which business credit bureaus they report to, but they likely report to at least one of the three major bureaus.

You can learn the full details about 90 day net terms and sign up here.

4. Lenovo

Source: Lenovo

Founded in 1984, Lenovo is one of today’s premier technology and electronics companies. From computers and tablets to smartphones and software to servers and AI, Lenovo has its tentacles spread in every direction.

If you’re looking to purchase quality electronics while simultaneously increasing cash flow and building business credit, Lenovo should be on your radar. While there are many net 30 electronic accounts with net 30 payment terms, not all retailers offer net 90 terms.

But Lenovo does. So if you’d like some more wiggle room with invoice payments that extend beyond net 30 terms, this is one of the more highly recommended net 90 vendors.

Just know that they are fairly stringent with their eligibility requirements.

You need:

• To be based in the United States
• To have been in business for at least two years
• A business bank account and EIN
• To have at least 10 employees
• Purchase a minimum of $4,000
• On the positive side, there’s no annual fee or personal guarantee for net 90 payment terms, as Lenovo determines eligibility based on your business credit score. They also offer a privacy preference center to help keep sensitive personal information safe.

As for reporting, they report to Experian Business. Learn more here.

5. Mobile Welder

Source: Atlanta’s Welder

First, note that this vendor will only be applicable to a tiny percentage of small business owners — only those in metro Atlanta and eastern Alabama who need welding services. Because it’s so niche, Mobile Welder won’t be a practical option for most of our readers.

But given that metro Atlanta and eastern Alabama have a sizable population, we figured we’d include Mobile Welder on the list nonetheless.

If you’re located in this area, need professional welding, and want a net 90 vendor credit, look no further. You can get the service you need while having three months to pay the vendor invoice.

The main drawback, however, is that they charge five times the scheduled rate for 90 day net terms. So, keep this in mind when making your decision.

Note that they offer shorter invoice payment terms like net 30 terms and net 60 terms. Net 30 terms are billed at emergency rates, while net 60 terms are billed at three times the scheduled rate.

For reporting, Mobile Welder doesn’t disclose this information, but each timely payment should be reported to at least one major business bureau.

You can find the full list of terms here.

6. Obey Business

Source: Obey Business

This vendor offers net 90 terms for performance marketing, which can include market research, brand design, and social media management.

One of the most notable things about Obey Business is that they report to “the big three” business credit bureaus, as well as Innovis and Creditsafe, making it excellent for building business credit.

The main drawback is that there’s a $98 monthly fee to get net 90 terms. However, you get a $7,500 credit limit, and there are minimal eligibility requirements.

You simply need to have been in business for at least 90 days and have a positive credit rating. No credit check is involved.

For a full rundown of net 90 terms, check out this resource.

Secure More Funding and Expedite Business Credit Building with FairFigure

Net 30 accounts, net 60 accounts, and net 90 accounts can be extremely helpful for gaining access to capital while raising your business credit score.

But if you want to take it one step further and accelerate your business credit building, check out FairFigure — one of today’s leading tier 1 business credit vendors.

With FairFigure, you can leverage comprehensive reporting to quickly identify errors and inaccuracies that could harm your business credit score.

You can also use the FairFigure Card to unlock additional funding while having payments reported for an additional business credit bump.

Unlike many other credit cards, there’s no personal credit check or personal guarantee. It’s a true EIN-only credit card.

As for the impact, many small business owners see up to a 60% improvement in just three months. Learn more here.