BUY NOW, PAY LATER

At SONCO, we're more than suppliers — we're partners in your success!

Buying from SONCO is now easier than ever. Whether online or offline, you can buy now and pay later without needing a credit card.

Download our buyer guide for application steps or hit 'Apply Now' to get started.

Apply Now

More flexibility for your business. Get a line of credit with SONCO.

Buy Now. Pay Later

Buy Now. Pay Later

Fast & Simple credit approval.

Built-In Peace of Mind

Built-In Peace of Mind

Manage purchases and payments at an online portal

No references required

No references required

Simplified and expedited credit process

Everything happens online

Everything happens online

Convenient online invoicing and payments

Buy Now Pay Later

Stay in control.

Our platform is completely free for buyers and their teams. It allows you to stay in control and manage your transactions all in one place at no additional cost.

  • Full Access view to purchase history and credit limit
  • Paperless Digital payment, invoicing, and communication
  • One-click checkout for online orders
  • Add or remove members from your purchasing team
Form

Buy now, pay later FAQs

What kind of payment terms do you offer?

Our standard terms are Net 30 and End of the Month/Net 15 (consolidated invoices)

How large are the credit lines?

We don't have a limit on what can be requested. However, we'd encourage you to think through your purchasing needs on a monthly basis and put in a reasonable figure. Your final limit may be higher or lower.

Can my credit line be increased?

You can contact SONCO directly using and open a request to increase your credit line. It is best if you request an increase after you have placed a few orders to demonstrate a payment/order history.

What information is asked on the credit application?

We require very standard information about your business. If the customer goes through the second underwriter, they will be asked to submit 3 months of bank statements.

Is there a PDF or hard copy application available to complete?

No, we do not offer a PDF or hard copy option. You must apply online because your IP address gets verified to confirm that the applicant is associated with the company, ensuring protection against fraud.

How long does the approval process take?

Typically, 2 business days for the first underwriter, though this can take longer if the request is large enough to require the submission of additional documents. The second underwriters can take 5 business days if bank statements are sent via email.

Why was my credit line declined?

Your credit line may have been declined for several reasons. Applying with a PO Box leads to automatic rejection. Providing commercial addresses, like info@xyz.com or finance@construction.net could also result in a decline. Using a company email is essential, as Gmail, Yahoo, and AOL addresses are automatically declined.

What if I need a large credit line?

For larger requests (typically, those over $50K), we will reach out to you directly to obtain more information. This could include your financials or any project/job information that may require a larger limit size.

Can I add other associates to our account if we're approved?

Yes. Once your name is approved, you can add as many members as you like. You can also assign them specific roles: Buyer - can purchase, does not receive invoices; Payer - can purchase, does receive invoices; Admin - can purchase, receives invoices and can add other members.