How Flexible Terms Fuel Larger Orders,
Quicker Sales, and Stickier Customers
Cash flow doesn’t kill deals—timing does.
In markets like cannabis, where buyers are juggling compliance, cash constraints, and inventory concerns, even a purchase they want to make can fall through if the terms don’t work. But when sellers make it safer to say yes—when the barrier to buy is lowered without lowering value, business ramps up.
That’s why Buy Now, Pay Later (BNPL) for B2B is catching on across industries, and seeing particularly high adoption where cash is limited, but demand is high.
It changes how buyers think, plan and engage with vendors over time, and provides sellers with a keen competitive edge in cash-constrained markets.
What the Data Says:
Why BNPL Works
B2B purchasers need flexibility. They also demand speed. That's where BNPL strikes a chord.
2022 Forrester report, commissioned by Balance, discovered that when B2B merchants offer flexible payment terms, they saw undeniable results:
Average order value increases by:
Conversions
jump by:
Time to purchase shortens by nearly:
The Yes Factor:
Why Flexible Terms Change Buyer Behavior
BNPL isn’t just about deferring payments; it’s about eliminating purchase friction. It works because it taps into core buyer psychology:
Mental accounting makes smaller, distributed payments feel more manageable even though the total cost is the same.
Loss aversion means customers are more afraid of expending cash-on-hand than assuming manageable future debt.
Cognitive load is lessened when payment friction is removed, enabling decision-makers to move faster and with higher confidence.
In short? Flexible terms make big decisions feel less risky,
so they happen more often, and at higher volumes.
Why BNPL Hits Harder
(and Matters More) in Cannabis
In cannabis, where conventional capital is scarce and cash flow volatility is a given, BNPL's effect is magnified.
Operators balance big-ticket purchases—equipment, packaging, nutrients, personnel—on thin profit margins and unpredictable timelines.
Providing flexible terms in this environment isn't a perk. It's a market-responsive differentiator that lowers purchase friction. Here's what that means in practice:
Once the upfront cash constraint is lifted, buyers start thinking in terms of strategy, not just survival.
And that leads to more committed, longer-lasting relationships.
Share Your Thoughts
At FundCanna, we recognized what BNPL was doing for other sectors and created the first version designed specifically for cannabis: ReadyPaid.
Vendors get paid upfront…without bearing the AR risk. Buyers pay us over time, on their terms. Everyone gets to grow.
It's not a theory. It's already working—across retail, cultivation, manufacturing, and distribution. It's already helping operators nationwide respond faster, buy more, and build better vendor relationships.
Share Your Thoughts about BNPL
If You're Not Providing BNPL,
You're Leaving Revenue on the Table
Flexible payments don’t just make your customers’ lives easier. They convert, retain, and scale. Whether you’re selling lights, labels, or flower, providing customers with buy-now, pay-later terms makes you easier to buy from—and more difficult to leave.
And if you're a buyer? BNPL allows you to seize opportunities without depleting your funds—so you can invest in growth when the time is right, not just when the cash is in your account.
In either case, BNPL is transforming the way businesspeople buy—and the numbers back it up.
Once the upfront cash constraint is lifted, buyers start thinking in terms of strategy, not just survival.
And that leads to more committed, longer-lasting relationships.
Ready to know more about ReadyPaid?
Give us a call at 844-420-3536
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