Pay for Building Materials by Invoice with Two
Get the materials your project needs today and pay later by invoice.
Building Materials Nationwide has partnered with Two to offer trade credit at checkout for UK construction and trade businesses. If your business is eligible, you can place your order online, have a dedicated trade account manager source and price everything you need from our nationwide supplier network, and pay later by invoice once the order is confirmed.
Whether you are managing cash flow across multiple projects or securing materials ahead of a client payment, Two gives your business the flexibility to keep jobs moving without the upfront cost.
How to Use Two at Checkout
Two is available as a payment option when completing your order on Building Materials Nationwide. No prior application is needed. Simply:
1. Add the materials you need to your basket.
2. Proceed to checkout.
3. Select "Pay by Invoice with Two" as your payment method.
4. Enter your company name and registration number. Two carries out an instant eligibility check.
5. If approved, your order is confirmed immediately. Your trade account manager will then be in touch to handle sourcing, pricing and delivery as normal.
The whole process takes place within the checkout. There is nothing to set up beforehand.
Why Pay by Invoice with Two?
Order now, pay later by invoice
Keep working capital free
Secure, fraud-protected transactions
No impact on your credit score
How It Fits With How We Work
When you place an order with Building Materials Nationwide, you are assigned a dedicated trade account manager. They are your single point of contact and a sourcing specialist, working through our nationwide supplier network — including manufacturers such as Knauf, British Gypsum, Celotex and Kingspan, as well as independent local suppliers — to find exactly what you need, wherever the job is.
Think of us as your outsourced buying department. You place the order; we find it, price it and get it to you. Two sits alongside that service and gives you the option to pay by invoice once everything is confirmed. Your account manager handles the sourcing and co-ordinates delivery. Two handles the credit. You stay focused on the job.
Have a larger or more complex order to discuss first?
Call us on 01628 674 910 (Monday to Friday, 7am to 5pm). Your account manager can talk through what you need and arrange Two credit at the same time.
What is Two?
Two is a B2B payment provider designed specifically for trade purchasing. It enables businesses to buy goods online and pay later by invoice, with eligibility assessed instantly at checkout and no lengthy application process required beforehand.
Payment is due at the end of the month plus 30 days from the date your invoice is issued. Once issued, invoices are managed and paid through the Two Buyer Portal.
How does Two work?
Enter your company details at the checkout
Two instantly checks whether invoice terms can be offered based on your company details. This check does not appear on your credit record.
Verify your identity
To protect your business from fraud, Two verifies your identity during checkout using market-leading identification tools. No extra steps are needed from you.
Receive your invoice
Once your order is confirmed, Two issues an invoice on end-of-month-plus-30-day terms. Pay it as you would any standard business invoice, through the Two Buyer Portal.
Prefer to talk through your order before placing it online?
Call us on 01628 674 910 and your trade account manager can walk you through the process and set up Two credit at the same time.
A Practical Example
Suppose you need £4,500 worth of insulation and plasterboard for a commercial fit-out. Your client payment is not due for another four weeks.
Without Two
You cover the full cost upfront before receiving payment from your client, tying up working capital at a critical point in the project.
With Two
Your trade account manager sources the materials, confirms the order and co-ordinates delivery to site. Two issues an invoice on end-of-month-plus-30-day terms. You receive the materials, complete the phase and pay the invoice once your client payment arrives. Your working capital stays intact throughout.
Who Is Trade Credit For?
Two trade credit through Building Materials Nationwide is available to registered UK construction and trade businesses purchasing materials for commercial projects. It is most commonly used by:
• main contractors and general builders
• property developers and house builders
• interior fit-out contractors
• fire protection and façade contractors
• mechanical and electrical contractors
• groundworks and civils contractors
• specialist subcontractors
Eligibility is assessed during checkout based on your company details and order value. There is no need to apply in advance.
Who uses Two?
800,000+
Transactions processed per year14,000+
Buyers using TwoThe Two Buyer Portal
The Two Buyer Portal is where you manage all invoices and payments once your account is active. Log in using your email address to view outstanding invoices, track payment schedules, download statements and pay via Open Banking.
View and manage invoices
Download statements
Track payment schedules
Pay via Open Banking
Frequently asked questions
Can’t find the answer you are looking for? Call us on 01628 674 910 (Monday to Friday, 7am to 5pm) or email 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.