Selecting the right B2B payments solution can determine whether your business thrives or struggles with cash flow constraints. While Invoiced offers accounts receivable automation software and FundThrough provides invoice factoring services, Resolve Pay delivers an integrated platform combining net terms financing, AR automation, and non-recourse protection in a single solution.
Understanding these fundamental differences helps manufacturers, distributors, and wholesalers select the approach that matches their operational requirements, cash flow goals, and risk tolerance. Each platform addresses working capital challenges differently: software-only solutions automate collections but don't provide financing, traditional factoring advances cash but typically retains seller liability, while integrated platforms combine financing with operational automation and credit risk protection.
The B2B payments market encompasses several distinct categories, each serving different operational models and risk profiles. Federal Reserve research, trade credit represents one of the largest sources of short-term financing for businesses. Understanding these fundamental differences helps finance leaders select solutions aligned with their cash flow needs and risk tolerance.
Invoice factoring involves selling outstanding invoices to a third party, typically at a discount, in exchange for immediate cash. Traditional factoring companies purchase receivables and then collect payment directly from customers. This arrangement provides quick access to working capital but comes with important considerations around customer relationships and liability.
FundThrough operates within this traditional factoring model, allowing businesses to select specific invoices to factor without long-term commitments. The company advances funds against eligible outstanding invoices under its factoring agreements. However, FundThrough uses a recourse model, meaning if your customer fails to pay, you remain responsible for repaying the advance.
The recourse distinction matters significantly for risk management. Factoring agreements may be structured as recourse or non-recourse, depending on the provider and contract. Under FundThrough's recourse arrangement, sellers may be required to repay or replace unpaid invoices when specified contractual conditions are met.
Net terms financing represents a distinct approach where sellers can offer buyers extended payment terms while receiving immediate payment themselves. Resolve Pay's net terms financing model differs fundamentally from traditional factoring:
The non-recourse element represents an important differentiator. Resolve Pay assumes specified credit risks on eligible approved financed invoices, helping sellers reduce exposure to covered buyer defaults while remaining subject to applicable program terms.
Effective AR management requires more than just financing. Manual accounts receivable processes create bottlenecks that slow cash collection and increase days sales outstanding. Cash flow management can be a significant operational challenge for small businesses. Automation addresses these challenges through:
Invoiced built its platform around these AR automation capabilities. The software provides automated invoice delivery, Smart Chasing for collections follow-up, and CashMatch AI for payment reconciliation. The platform processes a substantial annual invoice volume and reports improvements in days sales outstanding.
FundThrough, by contrast, focuses primarily on the financing transaction itself. The platform facilitates invoice uploads and funding but does not provide comparable AR automation features for invoice generation, automated collections, or payment reconciliation.
Resolve Pay's AR automation platform addresses all these requirements while adding the financing layer that pure software solutions cannot provide. The platform offers automated invoice generation synced from ERP systems, smart payment reconciliation using machine learning, and a real-time AR dashboard showing DSO, aging, and portfolio health.
Invoiced positions itself as an accounts receivable automation platform designed to accelerate the invoice-to-cash cycle. Acquired by Flywire (NASDAQ: FLYW) in 2024, the company now operates as part of a larger global payments infrastructure.
The platform offers several core capabilities:
Invoiced provides accounts receivable automation capabilities that help finance teams manage invoicing, collections follow-up, and payment reconciliation. The platform integrates with major accounting systems including QuickBooks, NetSuite, Sage Intacct, Microsoft Dynamics, and Xero. Through Flywire's infrastructure, Invoiced supports international payment capabilities.
However, Invoiced does not provide seller financing capabilities. Businesses using Invoiced still wait for customers to pay on their terms before receiving cash. This limitation means companies must either accept DSO delays or implement separate financing solutions alongside their AR software.
Invoiced focuses on accounts receivable management, including invoice delivery, payment collection workflows, reconciliation, and enterprise accounting integrations. Its software-centered approach supports businesses managing invoicing and payment operations across different customer accounts.
Resolve Pay extends beyond these workflows by combining AR automation with net terms financing and non-recourse protection for eligible approved financed invoices.
FundThrough operates as an invoice factoring company founded in 2014, enabling businesses to convert outstanding invoices into immediate cash. The platform focuses on flexibility, allowing sellers to choose specific invoices to factor without committing to long-term arrangements.
Key characteristics of FundThrough's offering:
FundThrough focuses on flexible invoice factoring, allowing eligible businesses to select invoices for funding and manage the associated receivables through its platform. FundThrough reports having factored a substantial volume of factored invoices and claims customers experience reduced waiting periods for invoice payments.
FundThrough does not offer AR automation capabilities comparable to Invoiced or Resolve Pay. The platform handles the financing transaction but does not provide automated invoicing, collections sequences, or payment reconciliation features.
A critical consideration with FundThrough is its recourse factoring structure. Under this model, if your customer fails to pay the invoice, you must repay the advanced funds to FundThrough. Seller retains credit risk under the factoring agreement.
Additionally, FundThrough sends a Notice of Assignment to customers, informing them that the invoice has been factored. Some businesses find this notification affects customer relationships, as buyers become aware of their supplier's financing arrangements.
FundThrough focuses on selective invoice factoring, allowing businesses to obtain funding against eligible outstanding invoices. Its approach includes invoice selection, funding approval, and receivables collection through a factoring arrangement.
Resolve Pay approaches working capital differently by integrating buyer credit assessment, net terms financing, invoicing, and automated collections into a unified B2B payments platform.
Resolve Pay operates as a B2B payments platform purpose-built for manufacturers, distributors, and wholesalers. Founded as a spinout from Affirm by former executives from Affirm, Amazon, and PayPal, the platform combines net terms financing, AR automation, and credit protection in an integrated solution.
The platform serves over 15,000 businesses and won the 2025 BigCommerce Innovative Integration Award, recognizing its embedded commerce capabilities.
Net Terms Financing (Advance Pay)
Resolve Pay enables sellers to offer Net 30, 60, or 90 day payment terms to approved buyers while receiving payment within 1-2 business days:
AI Credit Engine
The proprietary credit underwriting system evaluates thousands of buyer data points including cash flow trends, payment history, and behavioral signals:
AR Automation Platform
Resolve Pay's accounts receivable automation handles the operational burden of invoice management:
Agentic Collections
The agentic collections capability uses AI-powered multi-channel sequences to manage payment follow-up:
B2B Payment Portal
A white-labeled buyer portal maintains the seller's brand throughout the payment experience:
Resolve Pay connects with the systems B2B sellers already use:
Resolve Pay supports onboarding within days for qualifying businesses, although implementation timelines depend on integration requirements, account verification, and workflow complexity. Supported integrations can synchronize invoice and payment information with connected systems. Resolve Pay reports SOC 2 Type II attestation, reflecting an independent examination of relevant security controls.
Resolve Pay customers report measurable improvements across key metrics:
Traditional credit evaluation relies on manual processes that slow sales cycles and create inconsistent decisions. Modern AI-powered approaches transform both credit underwriting and collections management.
Resolve Pay's AI Credit Engine evaluates buyer creditworthiness using data sources far beyond traditional credit reports:
This approach enables faster credit assessments, with decisions often available within 24 business hours and qualifying transactions potentially receiving instant approval. More complex applications may require additional verification.
Invoiced does not include credit underwriting capabilities, as the platform focuses on AR automation rather than financing. FundThrough evaluates invoices for factoring approval but does not offer the same real-time, AI-powered credit decisioning for buyer net terms programs.
Collections automation presents a delicate balance. Aggressive follow-up tactics can recover payments but damage valuable customer relationships. Passive approaches preserve relationships but extend DSO and increase write-off risk.
Resolve Pay's agentic collections system addresses this challenge through intelligent automation:
The system logs all interactions to invoice records automatically, creating a complete history for reference. This approach reduces DSO while preserving the customer relationships that drive repeat business.
Invoiced offers Smart Chasing for collections automation, providing configured follow-up sequences. FundThrough handles collections directly as part of its factoring arrangement, which some sellers find affects customer relationships due to third-party involvement.
Cash flow constraints represent one of the primary growth limiters for B2B companies. Effective cash flow management helps businesses meet financial obligations, invest in growth, and manage seasonal fluctuations. Extended payment terms create a timing mismatch between when expenses occur and when revenue arrives.
Different solutions address cash flow challenges in distinct ways:
Invoiced improves cash flow indirectly by accelerating collections through automation. Faster follow-up and easier payment options reduce DSO, but sellers still wait for customers to actually pay.
FundThrough provides immediate cash against outstanding invoices, but the recourse structure means sellers retain responsibility for certain unpaid invoices. The recourse structure means sellers retain responsibility for certain unpaid invoices.
Resolve Pay addresses cash flow through net terms financing that provides upfront payment on eligible approved invoices, typically within 1-2 business days. Advance amounts depend on the approved financing arrangement. The non-recourse structure on eligible approved invoices means sellers receive immediate cash with protection against covered buyer credit defaults.
Modern B2B commerce increasingly happens online. Manufacturers and distributors selling through ecommerce channels need payment solutions that integrate seamlessly into digital buying experiences.
Resolve Pay offers embedded checkout integration with major ecommerce platforms:
Resolve Pay's ecommerce integrations connect buyer credit assessment and net terms financing directly with the purchasing experience. This complements its invoicing, payment tracking, and accounts receivable automation capabilities.
The buyer experience shapes how customers perceive your business. Third-party branded payment experiences can create confusion or reduce trust.
Resolve Pay's white-labeled approach maintains seller branding throughout:
FundThrough's factoring model requires notifying customers that invoices have been assigned, which some sellers find affects the customer relationship. Resolve Pay's white-label approach preserves the direct seller-buyer relationship.
Manufacturers, distributors, and wholesalers need payment infrastructure that supports growth without creating unnecessary administrative work or extended cash flow delays. Resolve Pay brings these capabilities together in an integrated B2B payments platform, combining net terms financing, AR automation, and non-recourse protection on eligible approved financed invoices.
For mid-market manufacturers, distributors, and wholesalers seeking competitive net terms, faster access to working capital, and reduced exposure to covered buyer defaults, Resolve Pay offers an integrated approach to financing and accounts receivable management.
Resolve Pay combines several capabilities in one platform:
This combination of credit assessment and non-recourse protection helps sellers manage bad debt exposure on eligible financed transactions while maintaining greater visibility into buyer credit risk. The combination of net terms financing, AI-powered credit decisions, AR automation, and agentic collections in a single platform positions Resolve Pay as a comprehensive solution for B2B sellers ready to optimize both cash flow and operational efficiency.
Invoice factoring involves selling outstanding invoices to a third party at a discount in exchange for immediate cash. The factoring company then collects payment directly from your customer. Net terms financing, as offered by Resolve Pay, enables sellers to offer extended payment terms to buyers while receiving advance payment themselves. Risk allocation depends on the specific financing agreement. Factoring may use recourse or non-recourse structures, while Resolve Pay generally protects sellers from repayment obligations arising solely from covered buyer defaults on eligible approved financed invoices, subject to program terms.
Resolve Pay offers non-recourse financing on eligible approved invoices, generally protecting sellers from repayment obligations arising solely from covered buyer defaults, subject to program terms. This helps businesses extend payment terms while reducing exposure to qualifying credit losses. Resolve Pay also integrates credit assessment, invoice financing, automated collections, and AR management, allowing sellers to manage the credit-to-cash process through one platform.
Yes, modern invoicing and AR automation platforms support accounting system integration. Invoiced connects with QuickBooks, NetSuite, Sage Intacct, Xero, and Microsoft Dynamics. Resolve Pay offers two-way ERP sync with QuickBooks Online, Xero, Sage Intacct, and Oracle NetSuite, automatically syncing invoice generation and payment reconciliation. FundThrough provides basic QuickBooks and Xero integration for invoice import. The depth of integration varies across platforms.
AI-powered credit underwriting evaluates thousands of data points including cash flow trends, payment history, and behavioral signals to make faster, more accurate credit decisions. Resolve Pay's AI Credit Engine streamlines buyer credit evaluation, with decisions often available within 24 business hours and instant approvals possible for qualifying transactions. Dynamic credit assessments help sellers manage buyer credit lines as business conditions change. The system also performs quiet credit checks that do not notify buyers or impact their credit scores.
Reducing bad debt exposure requires a combination of proactive credit evaluation and appropriate risk transfer mechanisms. Resolve Pay addresses both elements through AI-powered credit underwriting that assesses buyer risk before approval and non-recourse financing that provides protection against covered buyer credit defaults on eligible approved financed invoices. Pure AR software like Invoiced improves collections efficiency but does not transfer credit risk. Recourse factoring provides cash flow but leaves sellers liable for defaults under certain conditions.
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.