Using Net 30 for Business Renovations – Need Supplier & Contractor Insights!

[Mathew Kires]

💼 Has Anyone Used Net 30 Terms for Business Renovations? 🚧

I’m looking to renovate my business address (which is my home) and upgrade the flooring, but I want to use Net 30 payment terms to manage cash flow effectively.

✅ Has anyone used Net 30 accounts for materials (flooring, supplies, etc.)?

✅ Do flooring companies or contractors offer Net 30 for labor costs?

✅ Any recommendations for suppliers or strategies to set up Net 30 for renovations?

I’d love to hear from anyone who’s used business credit or vendor accounts for property renovations. Drop your insights, referrals, or experiences below! 🚀

[Mathew Kires]

Quote from @Alan F.:

Quote from @Mathew Kires:

Quote from @Alan F.:

Quote from @Mathew Kires:

Quote from @Alan F.:

Quote from @Mathew Kires:

Quote from @Alan F.:

Quote from @Mathew Kires:

Quote from @Alan F.:

Quote from @Mathew Kires:

Hey Alan,

This is great insight—really appreciate you breaking it down! It makes sense that contractors with licenses and established D&B credit have an easier time securing Net 30 terms, but I’m definitely curious how investors like myself (without a contractor’s license) can still tap into these opportunities.

I’m currently renovating my business property (which is also my home) and looking to use Net 30 terms for flooring and materials. From what you’ve seen, would using my business credit (DUNS, NAV accounts, etc.) help get approved with larger suppliers, even if I’m not a contractor?

Also, do you think building supplier relationships through repeat small purchases would increase approval odds for Net 30? Or is it more about volume and industry-specific qualifications?

Would love to hear your thoughts—appreciate your time, Alan! 🚀🔥

 Youre a business so I would definitely approach them for net terms, nothing ventured nothing gained. Even if I was told no initially I would still lean in that direction. In business I was taught to "cast a wide net". A salesman once told me "every no gets you closer to a yes"

As far as volume vs margins that may be very specific to the supplier. As an example I've stopped doing business with a plumbing distributor as they want to move away from mom n pops like me and target high volume tract builders. I found a start up, ironically they do sell retail but don't "open" to retail til 9am. I go in for quickies between 6a - 9a. I call in to sales anytime for deliveries. After only 6 months they offered net. 

Alot of small businesses (and some distributors) still have rather personal relationships.

1 thing about the distributors I have noted; they carry materials that are less inclined to be returned (failure, fitment, ease of installation) I use product that on the surface seems to be slightly more expensive than box stores or online. Ultimately ease of installation and low failure actually saves me money.

I use square D electrical, kiln dried lumber, still sweat copper pipe, still like hot mop shower pans etc.

It works in CA markets, in lower margin markets it may not work though 

 Hey Alan,

Man, this is gold—I really appreciate your insights! You’re 100% right about casting a wide net and pushing for Net 30 terms even if the initial answer is "no." I like that mindset: "Every no gets you closer to a yes." 💯

Your breakdown on volume vs. margins is super helpful. Sounds like suppliers are more likely to offer Net 30 if they see consistent orders rather than just large one-off purchases. That makes me think—for someone like me who’s doing renovations on my business property, should I start small with suppliers (smaller repeat orders) before asking for Net 30, or should I go straight for it?

Also, you mentioned some distributors only offering Net 30 after six months—what’s been your best strategy for shortening that timeframe? Have you ever leveraged business credit (DUNS, Paydex, or trade lines) to fast-track approval?

This is solid stuff—I appreciate you dropping knowledge! 🚀🔥

 I'd go for it, what the heck. It may boil down to your preference on product they carry too. 

I definitely think having good business credit could expedite the time frame.

I do try to pay off early though when I can, and don't bust their chops on pricing lol

 Hey Alan,

That’s the energy I like—just go for it! 🔥 I’ll definitely start pushing for Net 30 now and see who’s willing to play ball.

Good to know that solid business credit can speed up approvals. I’ve been building my DUNS, Paydex score, and vendor accounts—so I should be in a good position to leverage that.

When you first started using Net 30, did you find it easier to work with local suppliers or did you have more success with national distributors? I’d assume local suppliers might be more flexible if you build a relationship, but maybe bigger companies have better structured Net 30 programs?

Also, do you ever negotiate terms beyond 30 days (Net 60/90), or do you just prefer paying it down early to keep things moving?

Appreciate your insights, man—this has been super valuable! 🚀💰

 They've all been local, but some are national companies. In my experience the managers essentially operate as their own business unit.

I've never asked for net billing to go above 30, they offered as time went buy. I think some of it has to do with the sales guys influence on the manager and how well they are doing relative to profit.

Theres a couple that would let me go to 120 if I asked, but I'd really prefer not to do that.

I'm a mom n pop and rather risk adverse lol

 Hey Alan,

Appreciate the breakdown—this is solid insight! 💯 It makes sense that sales guys & managers have some influence on Net 30 extensions. Sounds like building a strong relationship with the right people can make a big difference in getting better terms.

I didn’t realize Net 120 was even an option—that’s crazy! Even though you prefer to keep it at 30, do you think longer terms (Net 60/90/120) are only available to those with high volume orders, or could a strong D&B Paydex score help with that?

Also, when dealing with local suppliers vs. national companies, have you noticed local managers being more flexible in offering Net 30 faster, or do national distributors tend to have better structured terms?

This info is gold, Alan—appreciate you sharing your experience! 🚀💰

I'm not privy to the big guys books, but I'm pretty sure they get more favorable terms, including initial prices.

I think it really depends on the manager of the branch, that being said I don't know what kind of pressure they're under from corporate.

A smaller company I bought from was bought out by a national, most everyone quit or was replaced. I'd been with them 14 yrs, no more free coffee or net billing lol.

sometimes the sales guys go to different companies, they'll LMK and I'll move to that different company. But I've burned some bridges. 

IMHO there's only 1 constant is business, and that's change.

 Hey Alan,

That’s some real talk right there—business is always changing, and relationships are key. Sounds like you’ve mastered the art of adapting and following the right people when they move.

It’s crazy how a buyout can flip everything overnight—14 years of loyalty, gone just like that. That makes me think: do you find that building strong relationships with sales guys gives you an edge in getting better Net 30/60 terms, or is it more about total volume with the company?

Also, since corporate pressure affects terms, have you found that certain suppliers are more flexible during economic slowdowns or market shifts? Like, do they start offering longer payment terms to keep customers happy when business gets tight?

Appreciate the wisdom, man—your experience is priceless! 🚀💰

 The inside sales guys, and counter guys to some extent are helpful but I think the front office pretty much has the bottom line.

All businesses need cash flow and profit so that may affect net billing but I've never had it rescended. That being said there's no contractual agreement, so they could do whatever they want. 

I guess you could also pay the net with cc and extend further. Be careful though

 Exactly. Business is built on cash flow, and those who master it control the game. Net 30 is a tool—smart operators leverage it, amateurs misuse it. Front office calls the shots, and while they rarely pull terms, nothing is promised in this game. That’s why stacking multiple credit lines is key—options keep you in power. And yeah, paying Net 30 with a CC can stretch liquidity, but only if you’ve got a strategy. Move careless, and you’re just burning future leverage. Business credit is a chessboard, not a dice roll. Play it like one.