Hi Daysi - I ran a window & door distributor and we did offered fairly long duration Net payment terms for some B2B2C customers to enable them to sync their cashflow with paying us. Largely was relationship based with periodic trade reference checks including their bank. Started slow with amount we would extend, and increased over time if they paid well. Totally unsecured but the default rate was extremely low as a percentage of revenue. Happy to answer questions if relevant to what you're looking at.

I wouldn't do the financing myself. I would just partner with funding providers to offer the flexibility, increase sale potential while also making some money on the referral to the funding partner. Doing it in house especially soon after acquisition would be too much risk, time and energy on something that can easily and quickly be offered through partnership.