Credit Terms

Interested in opening a credit account?

We offer credit accounts for contractors, businesses, schools, government agencies, condo associations, handyman/repair/remodelers, painters, plumbers, rental properties owners, or any other type of use that is not personal. At PAC, we partner with Capital One Trade Credit to handle our commercial credit program. Below are just a few reasons why:

  • 24/7 Account Access for Customers
    • View your purchasing activity, review your balances, print invoices or statements, check your available credit online, anytime, anywhere.
  • More Payment Options
    • Pay online, by phone or by mail.
  • Invoice Creator
    • This is a great tool to manage your billing and create a professional looking invoice for your customers.

Get started by completing a credit application

Ways to submit application.

  1. Fax to: 877-321-6699
  2. Mail to: Capital One Trade Credit PO Box 17825, Portland, ME 04112
  3. Return to PAC

Frequently Asked Questions

Q: What are the terms of the credit program?


A: Your Capital One Trade Credit account gives you access to a 60-day term account.

Balances are due, in full, by their due date, as indicated on your statement or invoice.

Q: What if I need a credit line increase?

A: Please give PAC or Capital One Trade Credit a call and we will work with you to meet your needs.

Q: Can I pay with a credit card?

A: If using your credit card works best for your business, we accept Visa, Mastercard, Discover and American Express directly in store at the time of purchase and we can safely and securely store your card for future purchases and protect your account with an authorized signers list you provide.


Please Note: Capital One Trade Credit accounts can pay online, by phone using your checking account, or by mail. However, we are not able to accept credit cards as payment on a Capital One Trade Credit account.


What address do I mail my payment to?

Capital One Trade Credit
Post Office Box 105525
Atlanta, GA 30348-5525

If you have any additional questions, please call PAC or the Capital One Trade Credit customer service team at 1-888-321-6698. Hours are Monday-Friday, 7am-8pm (ET), Saturday, 8am-5pm (ET) or email