Net-30 + restaurant-group + hotel-chain procurement — how do you beat US Foods?

US Foods CHEF’STORE, Sysco SOS, and Gordon Food Service all extend Net-30 to their accounts as a default. If you can’t match, you lose to them on every recurring-buyer bid. The mechanics:

• Net-30 underwriting — Resolve, TreviPay, or Apruve underwrite the credit risk. You ship the order, they pay you day 1, the restaurant pays them day 30. Cost: ~2.5–3.5% of GMV. Cheaper than financing your own AR + collections + writeoffs.
• Credit application flow — new restaurant account fills a credit app at checkout. Underwriter pulls a Dun & Bradstreet (or Equifax Business) report, approves a credit limit, returns to Magento. Approved buyer sees Net-30 at checkout; unapproved sees card-only or COD.
• Multi-buyer / location-level approval (B2B Companies) — on Adobe Commerce: native B2B Companies module. On Open Source: Aheadworks B2B Suite, Amasty Company Accounts, or Magenest B2B. Architecture: parent company → child accounts (per location / per chef / per F&B director) → role-based approval. A line cook orders $300 of smallwares — auto-approved. The GM orders $3k — auto-approved. Corporate-procurement adds a $50k Rational combi — routes to F&B director for approval.
• Custom catalogs per chain — Marriott property GM only sees Marriott-approved SKUs (corporate-procurement curates the catalog). Same on Hilton, Hyatt, Bloomin’ Brands, Darden.
• Collections workflow — aging report at 31, 45, 60, 90 days. Auto-dunning at 31 + 45. Hold on the account at 60 (no new Net-30 orders, card-only). Charge-off at 90.

What you can offer that US Foods can’t: same-day delivery on metro independents, niche specialty SKUs (Mexican / Asian / pizza / kosher / halal), and responsive account managers who know the chef by name. Net-30 is table stakes — specialty + service wins the account.