2025年美国B2B支付实践趋势

B2B paymentpractices trendsUS 2025 In this report Survey design15 About the AtradiusPayment Practices Barometer The Atradius Payment Practices Barometer is an annual survey ofbusiness-to-business (B2B) payment practices in markets across theworld. Our survey gives you the opportunity to hear directly from businessestrading on credit with B2B customers about how they are coping withevolving trends in customer payment behaviour. Staying informedabout these trends is vital because it helps to identify emerging shifts incustomer payment habits, allowing businesses to address potentialliquidity pressure and maintain smooth operations. Businesses operating in – or planning to enter – the markets andindustries covered by our survey can gain valuable insights from ourreports, which also shed light on the challenges and risks companiesanticipate in the coming months, as well as their expectations for futuregrowth. This report presents the survey results for theUS. The survey was conducted between the end of Q2 and mid Q32025. The findings should therefore be viewed with this in mind. B2B paymentpractices trends Trade credit policies eased amid fragmentedpayment risk landscape B2B suppliers in the US are experiencing mixed trends in customerpayment behaviour, reflecting the uneven impact of current marketconditions across industries and sectors. Our survey shows that aroundone third of B2B suppliers report no significant change in how promptlybusiness customers pay invoices. A nearly equal share of companiesreceive slower payments compared to the same period last year, whilethe remaining third note recent improvements in customer paymentreliability. These varied experiences highlight the fragmented customerpayment risk landscape, leading to financial uncertainty and operationalchallenges throughout supply chains. Overdue invoices now affect 43% of credit-based B2B sales for UScompanies, while most companies report writing off no more than 5%of long overdue B2B invoices. In response, the majority of B2B suppliersare adjusting their trade credit policies to protect cash flow andmaintain liquidity. 70% of companies are increasing the amount of creditextended to customers, although they are divided on payment terms.Half are pairing increased credit offerings with longer invoice settlementtimings, while the other half have unchanged terms.Nearly 50% of B2B sales are currently made on credit in the US, andaverage payment terms are 45 days from invoicing. These adjustments to trade credit policies have varied effects onworking capital management for B2B suppliers, reflecting differences inoperational environments, customer base and financial strength. Somecompanies report no change in Days Sales Outstanding (DSO), othersare enjoying shorter collection periods that improve cash flow, while therest face longer DSO, indicating emerging liquidity challenges. Nearlyhalf of US businesses are delaying payments to their own suppliers as astrategy to maintain liquidity, although this can risk damaging supplierrelationships. Inventory levels remain mostly stable or show build-ups,signalling a cautious approach to balancing customer demand andsupply chain uncertainties. Bank credit remains the dominant trade finance tool to bridge liquiditygaps, used by 68% of B2B suppliers. Loans provide a structured way tocover working capital shortfalls without forcing companies to reducetrade credit. Other options such as invoice financing, supplier credit andinternal funds are used less frequently. Acknowledging the risks arisingfrom a fragmented B2B customer payment risk environment, around60% of businesses employ a blended approach to customer paymentrisk management. This combines internal provisions and external toolslike trade credit insurance, reflecting a strategic effort to protectworking capital. Key figures and charts US US % of the total value of B2B invoices paid on time,overdue and bad debts What are the top 4 reasons your B2B customers payinvoices late? (change vs. 2024) (% of respondents - multiple response) Delays in the payment process Supply chain disruptions Invoice disputes Source: Atradius Payment Practices Barometer US –2025 US US % of respondents reporting changes in Days SalesOutstanding (DSO)* over the past 12 months What are the main sources of financing that yourcompany used during the past 12 months? (% of respondents - multiple response) (% of respondents) 68% Bank loans57% Invoice financing53% Internal funds52% Trade credit *average amount of time to collect payment after a sale Sample: all survey respondentsSource: Atradius Payment Practices Barometer US –2025 Sample: all survey respondentsSource: Atradius Payment Practices Barometer US –2025 Looking ahead Uncertainty and profit margin pressurescloud outlook for US firms As high uncertainty continues to cloud the global tradingenvironment, B2B suppliers in the US are split on whether customerinsolvencies will increase in the