When B2B manufacturers, distributors, and wholesalers need to optimize their accounts receivable operations, the choice between AR automation platforms becomes a pivotal business decision. Five prominent options in 2026 represent fundamentally different approaches to solving the cash flow and collections challenge. While AgentCollect focuses on debt recovery and Stuut and Fazeshift emphasize AR automation, Daylit combines AR automation with embedded invoice financing. Resolve Pay differentiates itself by combining comprehensive AR automation with non-recourse net terms financing, allowing qualifying sellers to accelerate cash flow while transferring covered buyer credit risk. This comparison reveals why Resolve Pay's integrated approach delivers superior results for B2B sellers who need both immediate cash flow and automated receivables management.
Resolve Pay positions itself as a complete B2B commerce platform that combines net terms financing, credit underwriting, and accounts receivable automation in a single solution. Spun out from Affirm's B2B initiative, Resolve Pay has announced $85M across two 2021 financing rounds, including a $25M equity round led by Insight Partners, and serves 15,000+ businesses. The platform enables sellers to offer competitive payment terms while receiving immediate cash and offloading credit risk entirely through its non-recourse financing model for qualifying transactions.
AgentCollect operates as an AI-powered debt collection platform that emerged from Y Combinator's S23 batch. The platform focuses on recovering overdue payments through coordinated multi-channel outreach including email, SMS, voice AI calls, and attorney demand letters. AgentCollect does not provide credit decisioning, invoicing automation, or any financing component.
Stuut launched its autonomous AR automation platform in 2025. The platform emphasizes fast implementation and high cash application match rates, focusing on AR workflow automation without financing capabilities.
Fazeshift secured funding to build its AI-native AR platform, differentiating through its deployment of 8 specialized AI agents that handle everything from cash application to dispute management. Like Stuut, Fazeshift concentrates on automation rather than financing.
Daylit targets mid-market service companies with revenues between $50M-$500M, offering autonomous AR automation purpose-built for project-based billing, milestone payments, and retainer structures. The platform includes an embedded financing option called FundNow, though its structure differs from Resolve Pay's non-recourse net terms model.
The platforms take different approaches to receivables and working capital. Resolve Pay combines AR automation, credit decisioning, payments, and non-recourse net terms financing in one platform.
Several platforms combine receivables automation with related financial capabilities. Resolve Pay's distinction is its combination of integrated AR workflows with non-recourse net terms financing for qualifying B2B transactions.
Resolve Pay primarily serves mid-market B2B sellers with $1M+ annual revenue in manufacturing, wholesale distribution, and supply industries. Primary customers include HVAC parts distributors, electrical and plumbing supplies companies, industrial equipment manufacturers, medical and pharmaceutical distributors, and construction materials suppliers. Notable clients include ConEquip, Trenchless Supply, SS&SI, Archipelago Lighting, and DocShop Pro.
AgentCollect targets companies of any size dealing with significant overdue receivables who need multi-channel debt recovery. The platform works for businesses with substantial delinquent accounts requiring escalation tactics including attorney involvement.
Stuut serves organizations seeking autonomous AR automation without financing needs. The platform appeals to companies with strong cash positions that want to reduce manual AR work and improve collection efficiency.
Fazeshift focuses on companies requiring broad AR workflow orchestration across multiple functions. The 8-agent model suits businesses with complex AR operations spanning billing, collections, disputes, and credit management.
Daylit specializes in service companies with revenues between $50M-$500M that handle project-based billing, milestones, and retainers. Agencies, consulting firms, and professional services organizations represent their core market.
Resolve Pay addresses these requirements through a platform designed for B2B merchants, manufacturers, wholesalers, and distributors offering net terms.
Both the speed and nature of results differ significantly across platforms.
Resolve Pay combines cash flow acceleration with AR automation, giving B2B sellers a connected approach to receivables management and non-recourse net terms financing.
Resolve Pay brings credit, non-recourse net terms financing, payments, and AR automation into a connected B2B workflow.
A key Resolve Pay strength is its supported ecommerce ecosystem, including Shopify, BigCommerce, Magento 2, and WooCommerce, with net terms embedded into supported checkout workflows.
For B2B product sellers evaluating platforms, Resolve Pay's combination of proven customer outcomes and established customer base provides the confidence needed for a strategic partnership.
B2B manufacturers, distributors, and wholesalers face unique challenges that make Resolve Pay a compelling choice. These companies need to offer competitive payment terms, maintain healthy cash flow, manage credit risk, and run efficient AR operations.
For B2B product sellers seeking both cash flow acceleration and operational efficiency, Resolve Pay offers a differentiated combination of non-recourse net terms financing, credit decisioning, ecommerce connectivity, and AR automation.
Resolve Pay combines non-recourse net terms financing with comprehensive AR automation. Its non-recourse structure distinguishes its working capital model from the other financing approaches discussed in this comparison. Resolve Pay advances up to 90-100% of invoice value within 1-2 days on approved transactions, and sellers keep that advance even if approved buyers default. This model, combined with AI-powered credit decisions and automated collections, positions Resolve Pay uniquely for B2B product sellers.
Implementation speed varies based on platform complexity and integration approach. Resolve Pay supports turnkey ecommerce integrations as well as ERP, accounting, API, and custom integration options, with timelines varying based on systems and workflow requirements. Stuut emphasizes fast implementation for autonomous AR workflows. AgentCollect offers rapid account assignment and contact initiation. Fazeshift and Daylit provide implementation timelines based on enterprise scoping. For B2B sellers using supported ecommerce platforms, Resolve Pay's native integrations enable efficient deployment of checkout-embedded net terms.
Resolve Pay supports native or turnkey ecommerce integrations for Shopify, BigCommerce, Magento 2, and WooCommerce. These integrations enable checkout-embedded net terms that let qualifying business buyers apply for and receive credit decisions in real-time during the purchase flow. For online B2B sellers, Resolve Pay's combination of credit approval, non-recourse financing, and seamless checkout integration supports higher conversion rates and larger order values.
AgentCollect focuses on debt recovery with coordinated multi-channel outreach including email, SMS, AI voice calls, and attorney demand letters across all 50 US states. This approach is designed for recovering overdue B2B accounts through coordinated collection outreach. Resolve Pay's agentic collections focuses on professional, relationship-preserving follow-up sequences with intelligent escalation based on buyer response and payment history. Because Resolve Pay's credit engine approves buyers upfront and the non-recourse model transfers default risk on approved transactions, the collections focus shifts to maintaining customer relationships.
All platforms offer ERP integration capabilities, though depth and ease vary. Resolve Pay integrates with QuickBooks, Xero, Sage Intacct, and Oracle NetSuite with two-way sync for automatic payment reconciliation. Stuut connects to SAP, Oracle, NetSuite, and Dynamics with an API integration approach. Fazeshift supports multiple ERP and CRM systems. Daylit integrates with various accounting platforms. AgentCollect does not emphasize ERP integration as a core capability. For comprehensive integration including ecommerce platforms and ERP systems, Resolve Pay offers broad connectivity for B2B product sellers.
This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.