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Financial Options

Direct Financing Options
Net Terms Credit Lines

D&H Offers net terms to qualifying customers. To inquire about qualifying for net terms or a higher credit limit, please email credit@dandh.com. Current fiscal year ending financial statements are typically required for credit lines above $50,000.

Electronic Funds Transfer (EFT)

Customers can enroll in our automatic withdrawal program. This program is free to use and offers flexible terms. The amount of your order will be withdrawn automatically from your checking account in 3.7.15.20 or 30 days after your order has been invoiced.

To be eligible for Electronic Funds Transfer terms, you must be approved for COD company check or net terms and you must submit a completed EFT Agreement form.

PayNet

For our open term and COD company check customers, D&H offers PayNet, a robust Web-based application that allows you to conveniently and electronically in a lump sum or by specific invoices pay D&H in cooperation with Bank of America.

Other Payment Terms
  • Credit Card: D&H accepts Visa, Mastercard, AMEX and Discover at the time of purchase as a method of payment.
  • Company Check: Payment on delivery with company checks.
  • Wire Transfers: Wire Transfers can expedite drop shipments and rush orders. Wire Transfers can be arranged with your bank's Customer Service department. Please call for Account & Routing Information.
Electronic Invoicing

Simplify your bills with D&H e-Invoice. With e-Invoice you receive electronic versions of your paper invoice right on your PC. Secure where you can view and even pay online with our PayNet service. Plus your invoices are easy to reference and provide email notification so you'll never forget. Take advantage of this time saving feature by contacting your D&H Credit Representative.

Assignment of Funds

D&H resellers with net credit lines in good standing with deals for public end users (schools, government) qualify to use our Assignment of Funds program.

D&H acts as a silent financing partner. Your end user makes the check payable to your company, but remits the payment to our PO Box.

This program is free to use, allows us to do deals that well exceed your credit line, and keeps your account's credit availability clear for daily orders.

  • Purchase Order: The purchase order is required to verify the order directly through the end-user before shipping.
  • Joint Remit Agreement: This must be signed by the end-user, stating that they agree to the terms and manner of payment to D&H.
  • Power of Attorney: Since checks from the end-user will be made out to both you and D&H, we require power of attorney to cash them and send you the profit.

As soon as payment in full is received by D&H we will forward your profit to you. It is imperative, especially if we are drop shipping the product directly to the end-user, that you invoice them immediately to ensure prompt payment.

Flooring / Inventory Finance Companies

To provide additional credit availability and extended terms on qualifying products, we have partnered with the below financing companies

You'll need to provide your sales rep with the flooring company, your account number and purchase order at the time of your order.

D&H supports our customers' financial needs by maintaining partnerships with all the leading banks. For more information on flooring, and inventory finance, please contact our specialist, Karis McRae at kmcrae@dandh.com.

Leasing

Offer your end users flexible monthly payments by contacting one of our preferred leasing partners.

Joint Purchase Order

D&H Distributing Co. is willing to consider a Joint Purchase Order from you and your customer. Generally, this is used when a reseller wins a large bid that his/her own credit line cannot accommodate. A Joint Purchase Order is typically used with, but not exclusive to, federal, state, and local government agencies, including schools. If we are unfamiliar with your end-user, we must first be able to approve them for the amount of credit required. D&H has used the Joint PO very successfully for several years and we consider it an excellent sales/credit tool.

Before and order can be shipped, we will require a hard copy of the following documents:

  • Joint Purchase Order: The purchase order contractor or "To" name/address must have both D&H and your name with our remit to address. We may have to verify the purchase order directly through the end-user before shipping.
  • Dealer/End-User Agreement: This must be signed by the end-user, stating that they agree to the terms and manner of payment to D&H.
  • Power of Attorney: Since checks from the end-user will be made out to both you and D&H, we require power of attorney to cash them and send you the profit.

As soon as payment in full is received by D&H we will forward your profit to you. It is imperative, especially if we are drop shipping the product directly to the end-user, that you invoice them immediately to ensure prompt payment.

Device as a Service (DaaS)

By utilizing D&H's DaaS program, you can sell to your end users by combining hardware, financing, lifecycle services and 24/7 support into an all-inclusive managed solution - with per-user, per-month cost certainty.

NOWaccount® Get Paid NOW™

NOWaccount improves your cash flow by allowing you to get paid immediately on your open receivables for the same or less than the cost of accepting a credit card for payment. You choose what clients to register for payment through your NOWaccount.

Learn More

Update Customer Information

Use this form to update your customer information, or to request a change in credit line or credit terms.

Download the PDF

Beware of Fraud

To keep your business safe from fraud, you must develop and maintain fail-safe business policies, particularly when accepting new customer orders, and adhere to those strict guidelines even in the face of that 'killer order'. By being aware that fraud is possible and by following these simple rules, you'll not only protect your business, you protect yourself.

Feel free to email us at credit@dandh.com if you would ever like additional assistance in reviewing an order that you feel may be suspicious.

Top Tricks In Tech Fraud
  1. Unsolicited urgent, late-day orders, marked by overnight delivery requirements and little haggling over price. You know the old adage; "If it seems too good to be true, it probably is".
  2. Drop shipments or delivery to high fraud areas of the country. High fraud areas include New York City, Los Angeles area, and Southern Florida.
  3. Large quantity drop shipments to residential addresses.
  4. Large orders of high-risk products such as RAM, HDD, flash memory, printer cartridges, laptops, any small and easily unloaded items.
  5. Use of multiple, sequentially-numbered credit cards.
  6. Use of credit cards drawn on foreign banks.

If you have an order that you feel is suspect, or meets any of these criteria, place a call to the issuing bank of the card to verify the identity of the customer. One quick call can save you thousands. There are no "guaranteed" credit card transactions.

Know Your Customer

Identity theft of long standing, seemingly credit worthy businesses is the most common type of fraud. If you're unsure of your customer use these quick, easy steps to verify the business:

  1. Check their address and telephone through independent sources such as online telephone directories.
  2. Verify the validity of the ship to address.
  3. If the purchase order has been emailed to you, verify the validity of the email address that has been used. This is often the quickest, easiest, and most accurate means of preventing fraudulent orders. Many fraud orders are sent using newly created fraudulent email urls — example jdoe@d-and-h.com rather than jdoe@dandh.com. A quick WHOIS search of the fraudulent email url will reveal that it has been newly created and not registered to the company that they are claiming to be.
  4. Verify they are licensed to do business in the state they are located. Virtually every state in the country offers a searchable, online database of business records. Many include searches by principal as well.
  5. Always obtain a credit application that includes an authorization to check the personal credit of the business principal, especially when dealing with sole-proprietors. Personal credit information may be one of the best ways to identify the character of the customer.
  6. If your budget allows, and the size of the potential relationship justifies, employ an online investigative service that specializes in both business and principal information. Used commonly for years in the private investigator business, these services provide a wealth of information in one, convenient stop.
  7. If, even after following the above steps, you are still unsure of the validity of your order, always feel free to locate the business' website and call the main contact number provided to verify the order.

General Questions

Our team of experts and advisors are here to help you. If you have questions, complete the form below to contact D&H Financial Services.

New Account Questions?

If you have questions about becoming a D&H customer, contact our new account credit representative for assistance.

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