With the average B2B company writing off approximately 4% of their accounts receivable as bad debt, reducing Days Sales Outstanding (DSO) has become a critical priority for finance leaders. Research from the Federal Reserve indicates that extended payment terms tie up significant working capital and limit growth potential. In 2026, the DSO reduction landscape has evolved beyond simple reminder systems to comprehensive platforms that combine AI-powered automation, strategic financing, and risk mitigation. For businesses looking to accelerate cash flow while maintaining strong customer relationships, tools like Resolve's AI-powered AR automation offer a complete solution that streamlines credit, invoicing, and collections.
Resolve Pay transforms DSO reduction by eliminating payment risk entirely through its non-recourse financing model while providing comprehensive accounts receivable automation. Resolve advances up to 100% of approved invoice value within 24 hours, effectively reducing DSO to approximately 1 day.
Resolve's platform integrates payments, credit, and liquidity into a single infrastructure, allowing businesses to offer flexible net terms while receiving immediate payment. The non-recourse model transfers credit risk to Resolve, ensuring businesses never face bad debt losses. This approach has helped over 15,000 businesses achieve significant growth, with customers reporting 40% average order increases.
Best For: B2B businesses with $1M+ annual revenue looking to offer net terms while eliminating payment risk and automating their entire AR workflow.
Getting Started: Visit resolvepay.com to explore how Resolve can transform your cash flow.
Chaser is an AR automation platform for mid-market businesses, earning a 4.8/5 rating from over 400 reviews on Capterra. The platform combines multi-channel communication with AI-powered predictive analytics to accelerate collections and reduce DSO.
Chaser's strength lies in its user-friendly interface and comprehensive communication toolkit that maintains brand consistency while automating the collections process. The platform sends reminders via email, SMS, phone calls, and letters, all from your verified domain, preserving customer relationships while ensuring timely payments.
Best For: Mid-market B2B companies seeking a user-friendly platform with proven DSO reduction capabilities.
Tesorio takes a data-centric approach to AR automation, focusing on transparent AI and performance management to drive measurable DSO reduction. The platform is designed for mid-sized to large enterprises that need sophisticated analytics alongside automation capabilities.
Tesorio emphasizes data transparency and actionable insights, providing real-time AR reporting that helps finance teams prioritize their efforts effectively. The platform's implementation process typically completes in under 4 weeks, allowing businesses to see results quickly.
Best For: Mid-sized to large enterprises seeking a data-driven approach to collections with rapid implementation.
Invoice Butler offers a managed service model rather than just software, combining AI technology with human AR specialists who execute the entire collections workflow on your behalf. This approach is particularly valuable for businesses lacking dedicated AR staff.
Invoice Butler handles the actual work of collections, including managing uploads to customer portals like Coupa, Ariba, and Tipalti. The service uses real-time API integration rather than overnight batch processing, ensuring immediate updates and faster resolution.
Best For: Companies that prefer to outsource the actual work of collections rather than just managing it through software.
HighRadius provides a comprehensive enterprise AR suite powered by its proprietary AI technology. The platform is designed for Fortune 500 companies with complex AR needs, offering autonomous collections, dispute management, and predictive analytics.
HighRadius offers one of the most comprehensive enterprise solutions, with autonomous capabilities that require minimal manual intervention. The platform's AI-driven payment predictions can forecast customer payments up to 30 days in advance.
Best For: Large enterprises and Fortune 500 companies with complex AR requirements and significant scale.
Billtrust offers a comprehensive order-to-cash platform serving over 2,400 customers across 40+ industries since its founding in 2001. The platform combines AI-powered cash applications with its Business Payments Network to streamline the entire payment process.
Billtrust's Business Payments Network creates an interconnected ecosystem that facilitates faster payments and reconciliation. The company's long-standing presence in the market and extensive customer base provide stability and proven results across diverse industries.
Best For: Established businesses across diverse industries seeking a proven, comprehensive order-to-cash solution.
LedgerUp specializes in AR automation for B2B SaaS companies, offering Slack-native workflows that eliminate context switching for finance teams. The platform's Ari AI assistant operates directly within Slack, making AR management seamless and efficient.
LedgerUp's Slack integration allows finance teams to manage AR without leaving their primary communication platform. The company also offers fast implementation, typically completing deployment in 1-2 weeks.
Best For: B2B SaaS companies and tech-forward businesses seeking rapid implementation and seamless workflow integration.
Upflow positions itself as a financial relationship management platform, focusing on maintaining strong customer relationships while optimizing cash flow. The platform offers a free forever plan for AR analytics, making it accessible for businesses of all sizes.
Upflow's free analytics plan provides immediate value, while its white-labeled customer payment portals maintain brand consistency throughout the payment experience. The platform integrates natively with major accounting and CRM systems, ensuring data consistency across platforms.
Best For: Businesses prioritizing customer relationships and seeking accessible entry points with scalable features.
BlackLine offers a platform that unifies invoice-to-cash processes with financial close operations. This integration ensures that AR data flows seamlessly into financial reporting, eliminating reconciliation issues.
BlackLine's positioning bridging I2C and financial close processes provides data consistency and reporting accuracy. The platform is designed for enterprises that need tight integration between their AR operations and financial reporting.
Best For: Large enterprises requiring tight integration between AR operations and financial close processes.
Versapay focuses on improving customer payment experiences through a collaborative communication platform. The platform emphasizes dispute resolution and customer collaboration.
Versapay's collaborative network brings buyers and sellers onto a single platform, facilitating transparent communication and faster dispute resolution. This approach maintains positive customer relationships while still driving DSO reduction.
Best For: B2B companies prioritizing customer relationships and collaborative payment experiences.
TreviPay specializes in funded net terms solutions that guarantee settlement and transfer credit risk to the provider. The platform supports complex B2B scenarios including OEM-Dealer-Fleet models and multi-country operations.
TreviPay's funded model provides guaranteed settlement, creating consistent cash flow regardless of customer payment timing. The platform also supports in-store net terms alongside web and app channels, making it ideal for omnichannel B2B businesses.
Best For: Omnichannel B2B businesses and complex sales models requiring guaranteed settlement and risk transfer.
Gaviti focuses on enterprise collections automation with AI-driven prioritization that helps collectors focus on the accounts most likely to pay. The platform is purpose-built for early-stage and in-house debt collection.
Gaviti's AI-driven prioritization ensures that collector efforts are focused on accounts with the highest probability of payment, maximizing efficiency.
Best For: Large enterprises seeking to optimize their in-house collections teams.
Quadient (formerly YayPay) offers predictive AR automation powered by AI and machine learning to forecast customer payment behavior. The platform is designed for mid-market companies seeking to proactively manage their AR portfolio.
Quadient's predictive analytics focus on anticipating payment timing. This proactive approach allows finance teams to prioritize their efforts more effectively and prevent delinquencies before they occur.
Best For: Mid-market companies seeking predictive capabilities to proactively manage AR performance.
Implementation Timeline Matters: Solution deployment can range from hours with Resolve Pay to months with enterprise platforms. Consider your urgency when selecting a solution—LedgerUp offers 1-2 week implementation while traditional enterprise solutions may take quarters.
Risk Transfer vs. Risk Management: Some platforms like Resolve Pay and TreviPay transfer credit risk entirely through non-recourse financing, while others help you manage existing risk more effectively. Your risk tolerance should guide this decision.
Integration Requirements: Your existing tech stack should influence your choice. Platforms like Resolve offer seamless integrations with financial tech stack including QuickBooks, Shopify, and other major platforms, while others may require more customization.
Total Cost of Ownership: Consider both direct costs and indirect benefits. Research from the U.S. Census Bureau shows that efficient credit management significantly impacts business performance. While some platforms charge monthly fees, others offer percentage-based models that align costs with results.
Company Size and Complexity: Mid-market solutions are optimized for growing businesses, while enterprise platforms serve complex, large-scale operations. Modern SaaS innovators cater specifically to tech-forward companies.
Among all DSO reduction solutions available in 2026, Resolve Pay stands out as the comprehensive choice for businesses serious about accelerating cash flow while eliminating payment risk. The platform's non-recourse financing model fundamentally transforms how B2B companies manage accounts receivable—advancing up to 100% of invoice value within 24 hours while transferring all credit risk away from your business.
Unlike software-only solutions that help you manage collections more efficiently, Resolve Pay provides immediate liquidity that fuels growth. Over 15,000 businesses trust Resolve to handle their B2B payments, credit decisions, and AR automation in one integrated platform. The results speak for themselves: customers report approximately 35% DSO reduction, 20% year-over-year revenue growth, and 40% increases in average order value.
For finance leaders navigating the complexities of working capital management, Resolve Pay offers a straightforward path forward. The platform's AI-powered automation reduces manual AR work by up to 90%, while seamless integrations with QuickBooks, Shopify, and other major platforms ensure smooth implementation. Most importantly, the non-recourse model means you never worry about bad debt again—what you receive is always yours to keep.
Visit resolvepay.com to discover how Resolve Pay can transform your accounts receivable from a cash flow challenge into a competitive advantage.
DSO measures the average number of days it takes your business to collect payment after a sale. According to working capital research published in the Journal of Financial Economics, extended DSO ties up working capital that could otherwise fund growth, inventory, or operations. A lower DSO improves cash flow, reduces the need for external financing, and provides more working capital for strategic investments. Tools like Resolve's B2B net terms can dramatically reduce your effective DSO by providing immediate payment while your customers maintain their preferred payment terms.
AI automation reduces DSO by predicting payment behavior, prioritizing collector efforts, and automating routine communications. Platforms like Resolve's accounts receivable automation use AI agents to manage workflows, automate payment reminders, and reduce friction in collections. This automation can reduce manual AR work by up to 90% while maintaining positive customer relationships through consistent, timely communication.
When implemented with proper risk mitigation, offering B2B net terms can dramatically lower your effective DSO. Solutions like Resolve advance up to 100% of invoice value within 24 hours while your customers receive 30-60 days to pay. This approach increases sales while eliminating payment risk through non-recourse financing. Businesses using this model report significant increases in new buyer acquisition and average order values while maintaining DSO of approximately 1 day.
Traditional factoring often involves recourse provisions that leave you liable for unpaid invoices, complex fee structures, and notification requirements that can damage customer relationships. Non-recourse solutions like Resolve's approach transfer all credit risk to the provider, offer transparent fee structures, and maintain your brand relationship with customers through white-label experiences. The non-recourse model ensures that funds advanced to you are yours to keep regardless of whether the end customer pays.
Seamless integrations are critical for DSO reduction tools to avoid manual data entry and ensure accuracy. Your solution should integrate with your existing accounting software (QuickBooks, NetSuite, etc.), ERP systems, and ecommerce platforms (Shopify, BigCommerce, etc.). Resolve's integrations platform ensures automated syncing across your entire financial tech stack, eliminating manual reconciliation and providing real-time visibility into your accounts receivable performance.
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.