What is Two?
With Two you can access instant trade credit at the checkout - no lengthy application forms or excessive wait times, just simple, straightforward, business purchases!
Why pay with Two credit?
Instant & flexible net terms
Optimise your cash flow
Credit & fraud protection
Reduce admin
Why are we partnering with Two?
Sometimes jobs come about but you're not in a position to cover the up-front costs, but we don't want this to stop you from growing your business.
So we've partnered with Two to give you that extra bit of support to get the job secured.
Trade customers will now have the ability to cover the costs of a purchase at the checkout by quickly applying and paying for their order using Two's interest-free credit, with payment due at the end of the month plus 30 days.
You can see how this works below. But all you need to do is checkout as usual and you'll see the new Two payment method. Pop in your company name and registration then in a few clicks you'll be told if Two will offer you credit to cover the cost of the order.
How does Two work?
Enter your company details at the checkout
Two instantly checks whether we can offer invoice terms. Our credit checks wont appear on your company's credit record!




Verify your identity
To protect your company from fraud, we verify your identity during checkout with market-leading identification tools.
Receive your invoice
Once we have accepted your order, you’ll receive an invoice from Two. Pay it like you would pay any other invoice!


If you’d like to register for company-level credit, just give us a call. We’ll walk you through the process and can even process your order at the same time!
Who uses Two?
800,000+
Transactions processed per year14,000+
Buyers using TwoThe Two Buyer Portal
What is the Buyer Portal?
Before partnering with Two we looked at many credit providers to see not only who offered the best terms, but also which providers offered really easy and manageable ways to manage your credit. We think Two's buyer portal does just that.
The Buyer Portal is your tool for managing your orders and invoices, all from one place. Simply log in using your email address to get started!
Manage orders
Access settlement reports
Download invoices
Reduce admin
A bird's eye view of all invoices
Filter all invoices by company, view payment statuses and download what you need, when you need it.
Crystal clear reconciliation
Download statement of accounts to see how Two has assigned your payments within a given time frame.
Billing statements
Combine several invoices into one statement. Download the statement directly from the portal and pay via Open Banking in a couple of clicks.
Frequently asked questions
Can’t find the answer you’re looking for? We’re always happy to help, just call us on 01628 674 910 or send us an email at sales@buildingmaterials.co.uk.
No. Two’s eligibility check does not leave any trace on your company’s credit record. You can apply during checkout with complete confidence.
Two uses multi-layered encryption, continuous fraud monitoring and real-time anomaly detection to protect every transaction. All sensitive data remains protected throughout.
Invoices can be paid through the Two Buyer Portal at portal.two.inc. Two accepts bank transfer and direct debit (UK only). For help setting up direct debit, contact support@two.inc.
Two calculates your credit limit using your latest submitted financial accounts, or your business bank account if you have connected it via Open Banking. Other factors such as years in operation are also considered, to arrive at a limit that reflects your purchasing needs.
Payment is due at the end of the month plus 30 days from the date your invoice is issued.

