Free Trade Credit Account
Trade and Professional customers can open a free Trade Credit Account and use it with every merchant on BuyMaterials. Interest-free 30-day terms, and no payment is taken to apply.
How it works
The first time, complete a quick company verification (1–3 minutes). You get the invoice after delivery and pay within 30 days.
Pay with it in 1–3 minutes.
Keep cash in your business
An example order of £7,488.60 with an £8,500 Trade Credit Limit available.
Who can apply
What you’ll need
Questions about your Trade Credit Account
Does it cost anything?
No. The Trade Credit Limit is free, and there’s no interest if you pay TWO’s invoice within 30 days. Late payment terms should be confirmed with TWO.
Who provides the credit?
TWO, our B2B payments partner. TWO checks your company, sets your limit and sends you the invoice. BuyMaterials doesn’t take the payment for TWO orders.
Can I use my Trade Credit Account with any merchant?
Yes. Your one limit works across all 230+ merchants and 700+ locations on BuyMaterials, as long as the order is within your available credit and delivery is within 21 days.
How is my credit limit decided?
TWO decides based on the information available about your company. You can request a higher limit from Settings › Trade Credit Account.
Do I need any further approval after I see my limit?
Yes. To activate your credit, complete TWO’s account verification on the TWO website. You may need your company and bank details for this step. It usually takes 1–3 minutes, and no payment is taken.
Does applying affect my credit score?
No. TWO runs a quick eligibility check using your company name. It won’t affect your company’s credit score or appear on its credit record.
How do I pay TWO’s invoice?
After delivery, download the invoice from the Invoices list in your Trade Account (Orders › Invoices). You can manage your TWO payments in the TWO Buyer Portal, or directly on the Trade Credit Account page on BuyMaterials (Settings › Trade Credit Account).
Can Self-builders and DIY customers apply?
Not yet. Trade Credit Accounts for Self-builder and DIY customers are coming soon. Ask us to email you when they’re available.
Ready to buy now and pay later?
Register as a Trade customer in 2 minutes and apply for your free Trade Credit Account.
