NTB experts can help you use trade credit to resolve past due accounts, whether you are the creditor or debtor. Example: Often, a business that owes you is willing to pay on their account with goods or services. If these goods or services are acceptable to NTB, we will purchase them in the amount equal to your account. We will credit your trade account for the amount of your debtor's delivery. You can then use those trade funds to obtain goods and services.