“0 %” BNPL for Inventory: The Hidden Price Tag

techadmin

Jul 16, 2025 — 1 min read

Suppliers love to advertise “0 %” Buy-Now-Pay-Later plans for stock purchases. Look closer and you may find an 8 % mark-up baked into the invoice.

Reality Check Example

Item	BNPL Price	Cash Price
Inventory PO	AED 100 000	AED 92 000

On a 90-day term, that hidden mark-up equates to roughly 18 % APR.

Smart Buyer Playbook

Ask suppliers to quote both cash and BNPL prices.
Compare embedded mark-up with the cost of a short-tenor working-capital loan.
Choose the cheaper option and keep the spread as extra margin.

Keywords: BNPL fees UAE, supplier financing, hidden cost inventory, working-capital comparison
Hashtags: #KlubAI #BNPLTruth #InventoryFinance #CostOfCapital #SMESavings

Disclaimer: Example numbers are illustrative; negotiate terms directly with your suppliers.

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