Driven Reviews 2026: Features, Customer Feedback, and Resolve Pay Alternative

Driven reviews matter most for Canadian small businesses evaluating working capital, while Resolve Pay matters most for B2B suppliers that need to offer payment terms without waiting on buyer payment cycles. Driven, formerly Thinking Capital, is a Canadian fintech lender that provides business financing to small and mid-sized companies. Its model is straightforward: the business receives capital, then repays the financing over the agreed schedule.

That structure can work well when a Canadian business needs funds for inventory, equipment, payroll, seasonal demand, marketing, or operating expenses. It is different from B2B net terms, where the central issue is not a one-time need for capital, but the recurring delay created when buyers take 30, 60, or 90 days to pay invoices.

For US-based B2B suppliers, Resolve Pay is the stronger fit because it combines buyer credit decisions, non-recourse net terms financing, invoicing, collections, payment workflows, and accounts receivable automation in one platform. Instead of using debt to bridge a receivables gap, Resolve Pay helps suppliers offer flexible payment terms, receive upfront payment on approved invoices, and reduce the risk and manual work tied to extending trade credit. That makes it especially relevant for merchants, manufacturers, wholesalers, distributors, and B2B ecommerce teams that want to grow sales while protecting cash flow.

Key Takeaways

• Driven is a Canadian business lender: Driven provides business financing for Canadian small and mid-sized businesses that need working capital for operating needs.
• Driven and Resolve Pay solve different problems: Driven helps the borrower access capital, while Resolve Pay helps B2B suppliers offer payment terms and receive upfront payment on approved invoices.
• Resolve Pay is built for B2B suppliers: Resolve Pay supports net terms, credit decisions, invoicing, collections, payments, and AR automation for suppliers selling to business buyers.
• Working capital and receivables are not the same issue: A loan may support short-term needs, but a net terms platform addresses the recurring delay created by buyer payment cycles.
• Resolve Pay reduces supplier-side credit burden: Resolve Pay manages buyer credit assessment, underwriting, payment reminders, collections, and non-recourse advance workflows for approved buyers.
• US suppliers should focus on credit-to-cash workflows: If delayed customer payments are the issue, Resolve Pay is more relevant than a general working capital lender.

Why US B2B Suppliers Choose Resolve Pay Over Driven

Driven serves Canadian businesses that need access to business financing. Resolve Pay serves B2B suppliers that want to offer payment terms to buyers while protecting cash flow. The difference matters because a loan and a net terms platform solve different versions of the cash flow problem.

Driven is built for Canadian working capital

Driven is designed for Canadian small and mid-sized businesses that need business financing. Its product can support operating expenses, inventory, equipment, payroll, marketing, seasonal demand, and similar business needs.

That makes Driven relevant when the business wants capital for its own operations. It is less relevant when the business wants to change how buyers receive payment terms, how invoices are collected, and how receivables are managed.

Resolve Pay addresses buyer payment cycles

For manufacturers, distributors, wholesalers, and B2B ecommerce businesses, the cash flow issue is often tied to customer payment timing. Buyers expect net payment terms, but suppliers still need to fund inventory, payroll, freight, vendor payments, and daily operations.

Resolve Pay addresses that receivables problem directly. It helps suppliers offer payment terms, assess buyer credit, automate invoice workflows, and receive upfront payment on approved invoices instead of waiting through the buyer’s payment cycle.

Resolve Pay reduces AR workload

Driven provides business financing. Resolve Pay provides a credit-to-cash workflow. Through AR automation, Resolve Pay supports invoicing, payment reminders, collections workflows, reconciliation, and buyer payments through a branded payment portal.

That matters for suppliers managing recurring B2B accounts because the cost of offering terms is not only the wait for payment. It is also the credit review, invoice follow-up, collections work, and reconciliation that happen after every order.

Resolve Pay keeps the focus on buyer relationships

Resolve Pay is designed to support supplier-buyer relationships. Suppliers can offer terms through a professional, branded experience while Resolve Pay supports the credit, payment, and collections infrastructure behind the scenes.

That means suppliers can continue selling on terms without building a larger internal credit team or relying only on manual receivables workflows.

What Is Driven? Formerly Thinking Capital

Driven, formerly Thinking Capital, is a Canadian fintech lender offering business financing for small and mid-sized businesses. The company is part of Purpose Unlimited and positions itself around fast, digital access to capital for Canadian business owners.

Driven’s financing model is borrower-centered. A business applies, receives an offer if approved, signs the agreement, receives funds, and repays the financing over the agreed term. That makes Driven most relevant for businesses that need capital for general operating use.

Driven is often discussed alongside Canadian working capital lenders because it serves a similar borrower need: fast business financing with digital application workflows. It should not be confused with a B2B payments, trade credit, or net terms platform.

Driven’s core positioning

Driven focuses on helping Canadian businesses access working capital. The funds can support a wide range of business needs, including:

• Inventory purchases
• Equipment upgrades
• Payroll coverage
• Marketing campaigns
• Seasonal demand
• Repairs and unexpected expenses
• Expansion projects
• General operating cash flow

The product is structured around the borrowing business. Resolve Pay is structured around the supplier-buyer receivables workflow.

Driven Loan Products and Features

Driven’s core product is business financing for Canadian SMBs. It also promotes express funding for smaller needs and a digital application process designed to help businesses understand their available funding options.

Key features

• Business financing for Canadian small and mid-sized businesses
• Digital application workflow
• Funding for operating expenses, inventory, equipment, marketing, and seasonal needs
• Business loan calculator for reviewing repayment structure before drawing funds
• Support for Canadian businesses across provinces
• Customer resources, guides, and business education content
• Access to capital through a digital account experience

Driven’s model can be useful when a business needs capital and is comfortable repaying financing from future cash flow. It is less aligned when the business wants to offer customer terms, assess buyer credit, automate receivables, or reduce the operational load of collections and reconciliation.

How Driven’s model works

Driven evaluates the applicant business. If approved, the business can access financing and use the funds for business needs. The borrower is responsible for repayment according to the signed agreement.

This model can help with near-term operating needs. However, it does not change how a supplier’s customers pay invoices. If a supplier’s cash flow strain comes from buyers paying on 30, 60, or 90-day terms, the receivables cycle still needs a dedicated workflow.

Driven Eligibility and Application Requirements

Driven’s eligibility criteria can vary by product and application profile, so businesses should confirm current requirements directly before applying. Based on public product information, Driven focuses on Canadian small and mid-sized businesses with operating history, business bank activity, and revenue that can support underwriting.

Common application considerations

A borrower should expect to provide:

• Basic business information
• Business owner information
• Revenue details
• Business bank information or bank statements
• Verification details about the company
• Confirmation that the business operates in Canada

Driven’s digital process is designed to help applicants review their options quickly, but approval and final terms depend on the applicant’s business profile.

Unlike Resolve Pay, Driven does not underwrite the applicant’s buyers so the seller can offer payment terms. It underwrites the borrowing business.

Driven Reviews: What Customers Say

Driven reviews generally focus on speed, digital convenience, customer support, and access to capital. Review profiles can change over time, so borrowers should check current review platforms before applying.

Common positive themes

Customers often mention:

• Fast application experience
• Helpful support during the process
• Digital convenience
• Access to working capital for operating needs
• Clearer process than traditional bank workflows
• Flexibility in how the business uses the funds

Common points to evaluate

Borrowers should evaluate repayment cadence, agreement terms, total obligation, and fit before committing. A working capital loan can be useful, but it still creates a repayment responsibility for the borrower.

For businesses whose cash flow strain comes from slow-paying B2B customers, that repayment responsibility may not solve the underlying receivables cycle. In that situation, a platform like Resolve Pay may be more relevant because it is built around buyer terms, approved invoice advances, and AR workflow automation.

Driven Strengths

Driven can be useful for Canadian businesses that need a straightforward working capital option. Its strengths are tied to borrower access, speed, and business-use flexibility.

Digital application experience

Driven’s application process is designed for business owners who want to avoid lengthy traditional bank workflows. The digital flow can make it easier to submit information, connect bank data, and review available options.

Flexible use of funds

Driven’s financing can be used across many business needs, including inventory, payroll, marketing, repairs, equipment, and growth projects. This makes it relevant for businesses that need capital but do not have a receivables-specific problem.

Canadian SMB focus

Driven is focused on Canadian small and mid-sized businesses. That makes it a natural fit for Canadian owners who want a provider that understands the local SMB financing market.

Working capital support

Businesses that need a lump sum or access to funds for general operations may find Driven useful. The key is whether the business needs capital for its own operations or a platform to manage how its buyers pay invoices.

Who Is Driven Best For?

Driven is best suited for Canadian small and mid-sized businesses that need business financing for a defined operational purpose.

Driven may fit businesses that need

• Working capital for inventory, equipment, or seasonal demand
• Financing for repairs, payroll, marketing, or expansion
• A digital application instead of a traditional bank process
• A Canadian financing provider focused on SMBs
• Capital that can be repaid from expected business revenue
• Flexible use of funds across operating needs

Driven is less relevant when the business needs to offer buyer payment terms, assess buyer credit, automate receivables, or reduce the operational load of collections and reconciliation.

Who Should Consider Resolve Pay Instead

Resolve Pay is a better fit when the problem is tied to B2B receivables, not general working capital.

US-based B2B suppliers

Resolve Pay is built for merchants, manufacturers, wholesalers, distributors, and B2B ecommerce companies that sell to other businesses on terms. These suppliers often need to give buyers more time to pay while still protecting their own cash flow.

Businesses offering net terms

If buyers expect 30, 60, or 90-day terms, a working capital loan can temporarily bridge the gap. Resolve Pay changes the workflow by helping suppliers offer terms, receive advance payment on approved invoices, and shift much of the credit and collections burden into a managed platform.

Finance teams managing AR complexity

Resolve Pay supports payment workflows, invoicing, reconciliation, payment reminders, collections, and buyer credit decisions. It also supports integrations with ecommerce, ERP, and accounting systems through financial stack integrations.

Suppliers that want buyer credit support

Resolve Pay functions like a credit team on tap. It helps suppliers evaluate buyers, offer approved credit lines, manage terms, and reduce the risk and manual overhead of extending trade credit.

B2B ecommerce teams

Resolve Pay also supports ecommerce and embedded checkout workflows. Suppliers can offer terms across online, offline, and sales-assisted transactions while keeping the buyer experience consistent.

Resolve Pay: The Best Net Terms Platform for US B2B Suppliers

For B2B suppliers, manufacturers, wholesalers, and distributors, the most important cash flow issue is often delayed customer payment. Buyers want terms, but suppliers need cash to fund inventory, payroll, shipping, and vendor obligations.

Resolve Pay is built for that exact workflow. It combines business credit checks, net terms financing, invoicing, collections, payment acceptance, AR automation, and integrations in one platform.

Instead of treating receivables delays as a borrowing problem, Resolve Pay treats them as a credit-to-cash workflow. Suppliers can offer terms to approved buyers, receive upfront payment on approved invoices, and let Resolve Pay manage much of the credit, payment reminder, and collections process.

How Resolve Pay’s credit and AR workflow works

Resolve Pay helps suppliers evaluate business buyers, approve terms, and manage payment workflows. Depending on the buyer and invoice profile, Resolve Pay can advance payment on approved invoices while the buyer pays later according to the approved terms.

The supplier keeps the customer relationship while Resolve Pay supports the operational work behind the scenes. That includes credit assessment, underwriting, payment reminders, collections workflows, and reconciliation support.

Key Resolve Pay features

• Non-recourse advance workflows for approved invoices
• Buyer credit assessment and underwriting support
• Net 30, net 60, and other approved term options
• Invoicing and collections automation
• Payment acceptance through branded portals
• ACH, wire, credit card, and check payment support
• ERP, ecommerce, and accounting integrations
• AR dashboard and credit workflow visibility
• White-label buyer experience
• Support for online, offline, sales rep, and embedded checkout workflows

Why Resolve Pay is different from a working capital loan

A working capital loan gives the borrowing business funds and creates a repayment obligation. Resolve Pay is different because it is built around the receivables transaction.

For approved buyers and invoices, Resolve Pay helps the supplier offer terms while receiving payment faster. The buyer still gets time to pay, and the supplier does not need to manage the entire credit and collections process alone.

This distinction is important for B2B suppliers. If the same receivables gap repeats every invoice cycle, a general loan may only delay the problem. Resolve Pay helps restructure the workflow behind the problem.

Best for

Resolve Pay is best for US-based B2B suppliers that want to offer payment terms without becoming the bank for their customers. It is especially relevant for teams that want to:

• Grow sales by offering buyer-friendly terms
• Get paid faster on approved invoices
• Reduce manual AR and collections work
• Improve receivables visibility
• Reduce credit exposure on approved buyer accounts
• Connect terms, invoices, payments, and reconciliation into one workflow
• Use net terms management instead of managing credit and collections manually

Driven vs. Resolve Pay: Two Different Financing Models

Driven and Resolve Pay both relate to cash flow, but they operate in different categories.

The practical takeaway is simple: Driven helps Canadian businesses access working capital. Resolve Pay helps B2B suppliers offer terms and get paid faster through a managed credit-to-cash platform.

Cash Flow Context: Why the Difference Matters

Business cash flow problems can come from different places. Some companies need capital because they are expanding, repairing equipment, buying inventory, or covering a short-term operating need. Others have cash tied up in receivables because customers pay later.

That second problem is common in B2B commerce. Invoices, payment terms, reconciliation, and collections create operational work for finance teams. The Federal Reserve has highlighted electronic invoices as part of broader payment efficiency work, while the SBA also emphasizes cash flow management as a core part of business financial health. For Canadian companies, the BDC similarly treats cash flow planning as a central finance discipline.

Resolve Pay fits the B2B receivables side of the problem. It supports the workflow that starts when a supplier extends terms and ends when the buyer pays. That includes buyer credit checks, invoice workflows, payment reminders, collections, payment methods, and reconciliation.

Final Verdict

For B2B suppliers, Resolve Pay is the stronger fit when the problem is slow customer payment, net terms, buyer credit risk, manual collections, or AR reconciliation. Resolve Pay helps suppliers offer buyer-friendly terms while improving cash timing and reducing the operational burden of managing receivables internally.

If your business is a US-based supplier, manufacturer, wholesaler, distributor, or B2B ecommerce company, Resolve Pay is the more relevant platform because it is built around the full B2B receivables workflow: credit, terms, invoicing, collections, payment acceptance, reconciliation, and integrations.

For companies that want to offer terms without becoming the bank for their buyers, Resolve Pay is the stronger long-term fit.

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Frequently Asked Questions

Is Driven the same as Thinking Capital?

Yes. Driven is the current brand name for the Canadian fintech lender formerly known as Thinking Capital. The company is part of Purpose Unlimited and continues to focus on financing for Canadian small and mid-sized businesses.

Is Driven available to US-based businesses?

Driven is focused on Canadian small and mid-sized businesses. US-based B2B suppliers that need net terms, AR automation, and buyer credit workflows should evaluate a platform built for that use case, such as Resolve Pay.

How is Resolve Pay different from a business loan?

Resolve Pay is not a standard working capital loan. It helps suppliers offer approved payment terms to business buyers, receive payment faster on approved invoices, and manage the credit-to-cash workflow through automation, underwriting support, and collections workflows.

Does Resolve Pay help with accounts receivable automation?

Yes. Resolve Pay supports invoicing, payment reminders, collections workflows, reconciliation, buyer payment portals, and integrations with ecommerce, ERP, and accounting systems. It is designed to help finance teams reduce manual AR work while offering more flexible payment terms.

When should a supplier choose Resolve Pay instead of a working capital lender?

A supplier should consider Resolve Pay when cash flow strain comes from customers taking 30, 60, or 90 days to pay. In that case, the problem is receivables structure, not just access to capital. Resolve Pay helps suppliers offer terms, get paid faster on approved invoices, and reduce the risk and manual effort of managing buyer credit internally.

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.