B2B wholesale to stables, barns, and trainers (Net-30), how is it architected on Magento?

Stable accounts are a different shape of B2B from typical wholesale:

• Net-30 terms underwritten by Apruve, Resolve, or TreviPay, they pay you on day 1, customer pays them on day 30.
• Multi-location procurement, a head trainer orders for 4 barns, each barn gets its own invoice + shipping address.
• Tax-exempt resale-cert upload at registration, the resale cert PDF is uploaded, admin approves, tax exemption applies on all future orders.
• Trainer-rep commission tracking, a trainer recommends product to her students, students order on her referral code, trainer gets 8-15% commission. Dover Saddlery runs this via the USHJA partner program. The pattern lifts B2B revenue 25-40% in my deployments.
• Private bulk-reorder UI, barns reorder the same 30 SKUs (feed, bedding, supplements) every month. A “reorder last month’s list” button + scheduled-cart feature lifts B2B AOV.

Same Magento instance as DTC; visibility split by customer group. Pricing tier kicks in at >$2,500 quarterly spend. On Adobe Commerce this is native (B2B Companies module); on Open Source it’s customer-group rules + extensions like Aheadworks B2B Suite or Amasty Company Accounts.