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B2B payment terms explained (advance, credit, LC)

Payment terms decide who carries the risk in a deal. Knowing the common ones helps you protect your cash and build supplier trust. Here they are in plain terms.

Advance and part-advance

Full advance favours the supplier and is risky for a new buyer. Part-advance (say 30 to 50 percent) with the balance on dispatch is a common, fairer middle ground.

Credit days

Net 15, 30, or 45 means you pay that many days after delivery. Credit helps your cash flow but is usually offered only once a supplier trusts you.

Letter of credit

For large or export orders, a letter of credit from a bank guarantees payment on agreed conditions. It protects both sides but adds bank cost and paperwork.

Build trust to earn better terms

Pay on time, every time. A clean payment record is what earns you credit and priority from suppliers.

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How to find verified suppliers in IndiaHow to verify a supplier before you place an orderHow to negotiate wholesale prices with suppliersUnderstanding MOQ (minimum order quantity)How to write an RFQ (request for quotation)
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