Managing trade credit shouldn't drain your working capital or tie up your AR team in manual approvals. The right trade credit software can accelerate credit decisions from days to seconds, reduce bad debt by up to 20%, and improve cash flow by up to 40%. In 2026, businesses have unprecedented options for streamlining net terms, credit assessment, and accounts receivable automation, with solutions ranging from funded programs that advance cash upfront to sophisticated software-only platforms for in-house credit management. For businesses seeking to offer net terms while getting paid immediately, platforms like Resolve Pay's B2B Net Terms provide non-recourse financing that eliminates credit risk while enhancing buyer purchasing power. Our comprehensive analysis evaluates 10 leading trade credit platforms based on feature completeness, market validation, AI capabilities, and target market fit.
Resolve Pay has emerged as the leading B2B BNPL platform for invoice-based businesses, combining non-recourse financing with AI-driven AR automation and competitive pricing.
Best For: Manufacturers, distributors, and wholesalers seeking immediate cash flow without credit risk
Built by Affirm co-founders, Resolve brings consumer BNPL innovation to B2B commerce with a focus on invoice-based transactions. The platform's non-recourse model completely eliminates credit risk for merchants while providing buyers with flexible net terms. Their AI agentic AR automation manages the entire credit-to-cash lifecycle including invoicing, collections, and credit monitoring.
With 15,000+ businesses served and proven results including 40% increase in average order value and 20% YoY sales growth, Resolve offers the strongest combination of risk elimination, cash flow acceleration, and AR automation for mid-market B2B businesses.
Invoice-based businesses with $1M+ annual B2B revenue seeking to offer net terms while getting paid immediately
Learn More: resolvepay.com
TreviPay stands as a comprehensive enterprise trade credit platform, combining a funded model with full AR automation across all selling channels including web, app, in-store, EDI, and POS.
Best For: Large enterprises with complex multi-channel sales operations, dealer/fleet networks, and global compliance requirements
TreviPay's unique strength lies in its ability to handle three-party selling environments where OEMs, dealers, and end customers all interact within the same transaction flow. The platform offers both software-only and funded program options, giving enterprises flexibility in how they manage credit risk and cash flow.
With over 40 years of legacy and operations across North America, Europe, and Australia, TreviPay supports omnichannel credit across traditional invoicing, e-commerce, and complex dealer networks while offering optional funding to guarantee cash flow.
Enterprises with $250M+ in annual B2B sales seeking to extend trade credit at scale
Learn More: trevipay.com
HighRadius leads the enterprise software-only category with its comprehensive suite of 180+ AI agents covering credit, collections, cash application, and deductions management.
Best For: Global enterprises managing credit operations in-house with complex AR requirements
HighRadius excels for organizations that prefer to keep credit operations in-house while leveraging AI to dramatically reduce manual work. Their platform is particularly strong in credit scoring, with AI agents that analyze financial statements, predict blocked orders, and recommend credit limits.
Industry-leading analyst recognition combined with deep AI agent deployment makes HighRadius a strong option for enterprises managing credit internally at global scale.
Large organizations with existing credit teams seeking to automate AR processes
Learn More: highradius.com
BlackLine connects invoice-to-cash operations directly to financial close and balance sheet reconciliation, ensuring data integrity from transaction to disclosure.
Best For: Enterprises prioritizing accounting integrity and unified financial operations
BlackLine's distinctive approach addresses the connection between transaction processing and financial reporting. By unifying these processes, BlackLine ensures that AR data flows seamlessly into financial statements without manual reconciliation.
BlackLine connects AR automation directly to financial close, making it valuable for enterprises where accounting integrity and audit compliance are paramount.
Public companies and large enterprises with complex financial reporting requirements
Learn More: blackline.com
Versapay pioneered the collaborative AR approach, creating a network that connects finance teams directly with their customers for invoice access, dispute resolution, and payment processing.
Best For: Businesses with complex buyer relationships and frequent disputes requiring customer collaboration
Versapay's collaborative model treats AR as a relationship management function rather than just a collections process. Their platform centralizes all customer communications and invoice-related collaboration.
With substantial transaction volume ($257B annually) and a collaborative approach, Versapay serves businesses where customer experience during the AR process is important.
Mid-market to enterprise businesses with high dispute volumes and relationship-focused AR processes
Learn More: versapay.com
Quadient AR delivers predictive analytics for mid-market businesses, with 94% cash flow forecasting accuracy and Forrester TEI study reported strong ROI over three years.
Best For: Mid-market companies ($10M-$500M revenue) seeking predictive insights
Quadient's predictive analytics enable finance teams to anticipate payment behavior and prioritize collections efforts accordingly. Their structured workflows guide teams through optimal collection sequences based on real-time payment predictions.
The combination of proven ROI and strong forecasting accuracy makes Quadient suitable for mid-market businesses seeking measurable financial impact from AR automation.
Growing companies with $10M-$500M revenue seeking to optimize cash flow through predictive analytics
Learn More: quadient.com
Capital One Trade Credit provides a bank-funded trade credit program with institutional credibility and risk protection for large enterprises.
Best For: Enterprises with $250M+ annual B2B sales preferring institutional underwriting and funding
Capital One's trade credit program offers the security and credibility of a major financial institution, appealing to enterprises that prefer working with established banks. The program provides complete AR outsourcing with institutional-grade risk management.
As a bank-backed trade credit option, Capital One serves large enterprises that require institutional credibility and prefer traditional banking relationships for credit services.
Enterprises with $250M+ in annual B2B sales seeking bank-backed credit services with complete AR outsourcing
Learn More: capitalone.com/trade-credit
Gaviti combines autonomous AR automation with strong credit management capabilities.
Best For: Mid-market companies seeking to automate both AR and credit management simultaneously
Gaviti's credit management specialization includes online credit applications with automated approval workflows. Their AI pilot continuously optimizes communication strategies and credit limit recommendations based on payment behavior.
Gaviti's #1 ranking on G2 for Credit & Collections Software validates its strength in combining AR automation with credit management.
Mid-market businesses with manual credit processes seeking comprehensive automation
Learn More: gaviti.com
Tesorio combines AR automation with cash flow forecasting and working capital optimization, delivering average DSO reductions.
Best For: Mid-market companies ($50M+ ARR) prioritizing cash flow visibility and forecasting
Tesorio's cash flow forecasting focus makes it suitable for finance teams that need to provide accurate cash flow projections to executive leadership. Their platform connects AR data directly to cash flow forecasts, enabling better working capital decisions.
Proven DSO reduction combined with strong cash flow forecasting capabilities makes Tesorio valuable for mid-market finance teams where cash flow visibility impacts business planning.
Mid-market companies with strong Salesforce usage seeking to improve cash flow forecasting accuracy
Learn More: tesorio.com
Esker excels at automating document-intensive order-to-cash processes through advanced OCR and data extraction from customer orders and invoices.
Best For: Global enterprises with high-volume document processing requirements
Esker's document processing capabilities address challenges for businesses with complex, document-heavy O2C processes. Their Synergy AI layer suggests optimized credit terms based on payment behavior, while their global credit bureau integration provides comprehensive risk assessment.
For businesses where document processing represents a significant bottleneck in O2C operations, Esker's advanced OCR and data extraction capabilities provide valuable automation.
Global enterprises with complex, document-intensive order-to-cash processes
Learn More: esker.com
Funded vs. Software-Only Models: The most critical distinction is whether you want a funded program that provides upfront cash and assumes credit risk (Resolve Pay, TreviPay, Capital One) or a software-only platform for managing credit in-house (HighRadius, Versapay, Gaviti). Funded models improve cash flow immediately, while software-only platforms require balance sheet AR but offer more control.
Company Size Alignment: Enterprise platforms (TreviPay, HighRadius, BlackLine) offer comprehensive features but require significant implementation resources. Mid-market platforms (Versapay, Quadient, Gaviti) balance automation with affordability. SMB tools (BILL, Upflow) prioritize simplicity and fast setup.
Industry Specialization: Some platforms excel in specific industries—Resolve Pay's net terms management is optimized for manufacturers and distributors, while Billtrust focuses on traditional invoice-heavy businesses. Consider whether your industry has unique requirements that specialized platforms address better.
Integration Requirements: Ensure your chosen platform integrates with your existing tech stack. Resolve Pay's integrations with QuickBooks, Oracle, Shopify, and other major platforms ensure seamless data flow, while enterprise platforms like HighRadius offer extensive ERP connectivity.
When it comes to eliminating credit risk while accelerating cash flow, Resolve Pay delivers a unique combination of benefits that address the core challenges facing invoice-based B2B businesses. The platform's 100% non-recourse financing model means you receive payment upfront and keep it regardless of whether your customer pays—completely eliminating the credit risk that traditionally comes with offering net terms.
The results speak for themselves: businesses using Resolve Pay have seen an average 40% increase in order value and 20% year-over-year sales growth. For manufacturers, distributors, and wholesalers with $1M+ in annual B2B revenue, Resolve Pay's accounts receivable automation manages the entire credit-to-cash lifecycle—from invoicing and collections to credit monitoring—freeing up your team to focus on growth rather than chasing payments.
Whether you're looking to expand your customer base by offering flexible payment terms or seeking to optimize working capital without taking on additional credit risk, Resolve Pay's B2B payment platform provides a comprehensive solution that scales with your business. Learn more about how Resolve Pay compares to traditional factoring at resolvepay.com/better-than-factoring, or explore how sellers benefit at resolvepay.com/sellers.
Trade credit software automates the entire credit-to-cash lifecycle, from customer credit assessment and approval to invoicing, collections, and cash application. Benefits include faster credit decisions (seconds vs. days), reduced bad debt, improved cash flow acceleration, and significant reduction in manual AR work. Modern platforms like Resolve Pay's accounts receivable automation use AI to manage workflows automatically.
AI improves trade credit through predictive analytics that assess credit risk more accurately than traditional methods, automated decisioning that delivers approvals in seconds, and intelligent collections that prioritize accounts based on payment likelihood. Platforms leverage specialized AI agents to handle complex scenarios, while Resolve Pay's AI-powered platform automates the entire net terms workflow from invoice to payment.
Most modern trade credit platforms offer extensive integrations with leading ERPs (NetSuite, Oracle, SAP), accounting software (QuickBooks, Xero), and e-commerce platforms (Shopify, Magento, BigCommerce). Resolve Pay's integration platform provides instant plug-ins and flexible APIs for seamless connectivity, ensuring transaction data syncs automatically without manual entry.
Traditional factoring typically involves recourse agreements where you remain liable for unpaid invoices, complex fee structures, and customer notification that can impact relationships. Modern solutions like Resolve Pay's non-recourse financing provide upfront payment without recourse, transparent fee structures, and white-label customer experiences that protect your brand while eliminating credit risk.
Offering net terms increases buyer purchasing power, enabling larger orders and more frequent purchases. Businesses offering net terms often see faster payment cycles and significant sales growth. Resolve Pay's net terms platform allows you to offer net 30, 60, or 90-day terms while getting paid immediately, enhancing customer loyalty without sacrificing your cash flow.
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.