Invoiced vs Slope

Choosing between AR automation platforms and embedded finance solutions can determine how effectively your B2B business manages cash flow and credit risk. While Invoiced offers accounts receivable automation for enterprise collections and Slope provides B2B payment infrastructure with embedded financing, Resolve Pay delivers non-recourse net terms financing combined with comprehensive AR automation designed specifically for mid-market manufacturers, distributors, and wholesalers. Understanding these fundamental differences helps B2B sellers select the approach that matches their cash flow needs, risk tolerance, and operational requirements.

Key Takeaways

Resolve Pay provides non-recourse protection against covered buyer credit defaults on eligible approved financed invoices, subject to program terms, helping B2B sellers reduce credit exposure while extending flexible payment options
Invoiced, part of Flywire, provides AR automation for invoicing, payment collection, cash application, and reconciliation, managing significant annual invoice volumes with AI-powered collections capabilities
Slope operates as a B2B payments and financing platform serving wholesalers, marketplaces, and enterprise commerce programs, offering embedded financing, payment acceptance, invoicing, and collections through software and APIs
Resolve Pay provides advance payments on eligible approved invoices, typically within 1-2 business days after applicable requirements are satisfied, while Invoiced focuses on collections efficiency without financing capabilities
Resolve Pay serves 15,000+ businesses with combined credit decisioning, net terms financing, AR automation, and collections in a single platform, eliminating the need for multiple vendors
Resolve Pay offers ecommerce integrations with Shopify, BigCommerce, WooCommerce, and Magento 2, supporting embedded net terms checkout alongside ERP connections with QuickBooks, NetSuite, Xero, and Sage Intacct

Understanding B2B Payments: AR Automation, Embedded Finance, and Integrated Platforms

The Federal Reserve Payments Study provides research on different payment methods and transaction trends, offering context for the broader B2B payments market. Understanding these differences helps finance leaders select tools aligned with their cash flow goals and risk management requirements.

AR automation platforms like Invoiced serve as collections management systems that help finance teams track invoices, send payment reminders, and reconcile payments. These platforms improve visibility and reduce manual work but do not address the cash flow challenge of waiting 30-90 days for buyer payments.

Embedded finance platforms like Slope combine B2B financing, payment processing, and accounts receivable workflows. Slope offers software and APIs supporting credit decisions, invoicing, collections, and cash application. These solutions support businesses building commerce experiences while managing payment terms and buyer financing.

Integrated B2B payment platforms like Resolve Pay combine net terms financing, AR automation, and credit decisioning in a single solution. This approach addresses both the cash flow problem through advance payments and the credit risk problem through non-recourse protection on eligible approved invoices while automating routine AR tasks.

The choice depends on your primary pain point:

If you need collections visibility without financing, AR automation may suffice
If you're managing B2B payments with embedded financing needs, platforms offering APIs and payment infrastructure provide flexibility
If you need cash access, reduced credit exposure, and operational efficiency, an integrated platform delivers comprehensive value

Invoiced

Invoiced's AR Automation Capabilities

Invoiced, now part of Flywire following its August 2024 acquisition, operates as an accounts receivable automation platform designed to streamline collections processes for enterprise finance teams. The platform manages significant annual invoice volumes and has accumulated 418 G2 reviews with a 4.5/5 rating.

The platform's core capabilities include:

AI-powered collections automation with intelligent payment reminders and follow-up sequences
Cash application using machine learning to match payments to invoices automatically
DSO management through automated collections, payment reminders, and improved visibility into outstanding receivables
Global payment infrastructure supporting 140+ currencies through Flywire's cross-border capabilities
ERP integrations with NetSuite, Dynamics 365, Sage Intacct, QuickBooks, Xero, and Workday

Invoiced works well for enterprises with dedicated AR teams who need visibility and automation tools for existing collections processes. The platform's AI agents support routine invoicing, collections, and cash application activities, helping finance teams reduce repetitive manual work.

What Invoiced Provides

Invoiced functions as an AR automation platform focused on collections efficiency rather than financing. The platform helps businesses track invoices, send reminders, and reconcile payments, improving collections workflows without advancing cash against outstanding invoices. Sellers using Invoiced receive payments according to standard buyer payment terms.

Invoiced is part of Flywire's broader invoice-to-cash offering, combining accounts receivable automation with global payment infrastructure. Post-acquisition integration with Flywire's cross-border payment capabilities expands Invoiced's reach for international B2B transactions.

Slope

Slope's B2B Payment Platform

Slope operates as a B2B payments and financing platform serving wholesalers, marketplaces, and enterprise commerce programs. Its products include embedded financing, payment acceptance, invoicing, collections, and cash application, supported by software and APIs. The company has raised $252M in total funding, including $77M in equity and $175M in debt facilities, with a $65M investment from J.P. Morgan Payments in July 2024.

Slope has announced relationships involving enterprise organizations, including Amazon, IKEA, Alibaba, and Samsung. These arrangements demonstrate its involvement in B2B financing and payment programs across different commercial environments.

The platform offers:

AI-powered credit assessment supporting automated financing decisions, with decision timing depending on the applicant and program
API and software integration options supporting embedded financing and payment workflows
Flexible repayment options including Net 30 and Net 60 terms and installment arrangements, depending on the financing program
Merchant payment capabilities through embedded financing arrangements, with funding methods and timing determined by the applicable program
AR automation suite including invoicing, billing, collections management, and cash application

Slope uses AI-powered technology and financial data analysis to support credit assessment and business financing decisions. The platform supports multiple implementation approaches for B2B financing and payment workflows.

Slope's Operational Model

Slope supports B2B financing and payment workflows through software and APIs. The allocation of credit risk in financing arrangements depends on the applicable agreements. Slope's platform includes accounts receivable automation alongside financing capabilities, supporting businesses managing buyer credit, payment terms, and collections.

Implementation options include API-based, low-code, no-code, and hosted checkout approaches. The platform's flexibility supports businesses with varying technical resources and integration requirements. Implementation timelines depend on the selected product, integration approach, and technical requirements.

Resolve Pay

Resolve Pay's Integrated B2B Payment Solution

Resolve Pay operates as a B2B payments platform combining net terms financing, AR automation, and credit decisioning in a single solution. The platform serves 15,000+ businesses across manufacturing, wholesale distribution, and supply industries.

Built by former executives from Affirm, PayPal, and Amazon, Resolve Pay addresses the fundamental challenges B2B sellers face when extending credit to buyers.

Non-Recourse Financing

Resolve Pay provides non-recourse protection against covered buyer credit defaults on eligible approved financed invoices, subject to program terms. If an approved buyer defaults for a covered credit reason, Resolve Pay assumes the applicable credit loss under its non-recourse financing agreement. Merchant-related disputes and other excluded circumstances remain subject to program terms.

This differs from Invoiced, which does not provide financing. Risk allocation under other financing arrangements depends on applicable agreements. Resolve Pay's non-recourse financing provides defined protection against covered buyer credit defaults on eligible approved invoices.

Fast Cash Advances

Sellers can receive advance payments on eligible approved invoices, typically within 1-2 business days after applicable requirements are satisfied, rather than waiting for buyers to complete their net terms. Advance amounts and any remaining payments depend on the financing agreement. This helps B2B sellers improve working capital availability while extending flexible payment terms.

Turnkey Ecommerce Integrations

Resolve Pay provides ecommerce integrations with Shopify, BigCommerce, WooCommerce, and Magento 2, enabling net terms checkout without custom development. B2B sellers can offer Net 30, Net 60, and Net 90 terms at point of sale within days of implementation.

Combined Platform Benefits

Rather than requiring multiple vendors for credit checks, financing, invoicing, and collections, Resolve Pay consolidates these functions:

AI-powered credit decisioning with approval timing dependent on buyer information and verification requirements
Automated invoice generation synced from ERP systems
Agentic collections with multi-channel follow-up sequences
Payment reconciliation and bookkeeping sync to QuickBooks, Xero, Sage Intacct, and NetSuite

Customer Results

The following Resolve Pay customer examples illustrate reported improvements in receivables management, sales growth, and operating efficiency. Resolve Pay customers have achieved measurable outcomes:

Trenchless Supply reduced AR workload by 90% with credit approvals under 24 hours
Archipelago Lighting tripled revenue while reducing net terms approval from 10 days to 24 hours
SS&SI Dealer Network achieved 5x revenue growth
ConEquip reported 30% year-over-year growth
Elston Materials increased margins from 25% to 30%

Feature Comparison: Invoiced vs Slope vs Resolve Pay

Financing and Cash Flow Capabilities

Resolve Pay provides advance payments on eligible approved invoices, typically within 1-2 business days after applicable requirements are satisfied. Advance amounts depend on underwriting and program terms. The platform offers Net 30, Net 60, Net 90, and approved custom terms, with non-recourse protection against covered buyer credit defaults on eligible approved invoices.

Slope offers financing arrangements available through applicable financing programs. Payment timing and credit risk transfer for covered buyer defaults depend on program terms. The platform supports Net 30 and Net 60 terms and installment arrangements, depending on the financing program.

Invoiced does not provide upfront seller payments or net terms financing capabilities. The platform focuses on collections efficiency and payment reconciliation rather than financing. Credit risk transfer is not applicable to standard AR automation.

AR Automation and Collections

Invoiced, Slope, and Resolve Pay support accounts receivable workflows, including invoicing and collections. Invoiced provides AI-powered collections agents and cash applications. Slope includes AR automation capabilities through its platform. Resolve Pay combines agentic collections with non-recourse financing on eligible approved invoices, allowing B2B sellers to accelerate cash flow while automating buyer payment follow-ups.

All three platforms support:

Invoice automation and generation
Collections workflows and payment reminders
Cash application and payment reconciliation
DSO management capabilities

The primary difference lies in integration with financing. Resolve Pay and Slope combine AR automation with financing programs, while Invoiced focuses exclusively on receivables management.

Integrations and Implementation

Resolve Pay supports ecommerce and ERP integrations with Shopify, BigCommerce, WooCommerce, Magento 2, QuickBooks Online, NetSuite, Xero, and Sage Intacct. Available capabilities vary by integration and configuration. Pre-built integrations support deployment across established ecommerce, ERP, and accounting platforms, typically within days to weeks depending on configuration and onboarding needs.

Slope offers software and integration options for embedded financing and payment workflows. Integration requirements vary by deployment. The platform supports several implementation approaches, including APIs and lower-code options. Implementation timelines depend on the selected product, integration approach, and technical requirements.

Invoiced provides integrations supporting invoice-to-cash management, with extensive ERP coverage including NetSuite, Dynamics 365, Sage Intacct, QuickBooks, Xero, and Workday. Implementation requirements depend on scope and system complexity.

Credit Decisioning

Resolve Pay uses AI-powered credit assessment combining proprietary underwriting with non-recourse financing. Approval timing depends on buyer information and verification requirements. The platform offers credit line recommendations and adjustments based on underwriting, with quiet business credit assessment available.

Slope uses AI-powered underwriting to assess business financing applications, with decision timing depending on the buyer and program. Credit line management is program-dependent.

Invoiced does not focus on credit decisioning as a core financing function, operating instead as an AR automation platform.

How Resolve Pay Supports B2B Sellers

According to PYMNTS research, B2B sellers increasingly need integrated solutions addressing cash flow, credit risk, and operational efficiency simultaneously. Resolve Pay delivers on these requirements through its comprehensive platform.

Faster Access to Working Capital

Resolve Pay helps manufacturers, distributors, and wholesalers offer flexible net terms without waiting for the full buyer payment cycle to access cash. Sellers can receive advance payments on eligible approved invoices, typically within 1-2 business days after applicable requirements are satisfied.

Credit Risk Management

Resolve Pay provides non-recourse protection against covered buyer credit defaults on eligible approved financed invoices, subject to program terms. Its AI-powered credit assessment helps sellers evaluate buyer eligibility and manage credit exposure. This protection differs from AR automation platforms that provide collections tools without financing or risk transfer.

Integrated Ecommerce and Accounting Workflows

Resolve Pay supports B2B ecommerce checkout and connects with established accounting and ERP platforms, including QuickBooks Online, NetSuite, Xero, and Sage Intacct. Available capabilities vary by integration and configuration. These connections help reduce manual data entry and simplify invoice and payment reconciliation.

Automated Accounts Receivable Management

Resolve Pay combines financing with:

Automated invoicing and invoice generation
Payment reminders and collections workflows
Payment reconciliation and bookkeeping sync
Visibility into customer payment activity

Finance teams manage receivables while maintaining cash flow through advance payments.

Designed for B2B Manufacturers and Distributors

Resolve Pay brings together credit assessment, non-recourse financing, and AR automation for businesses extending payment terms to commercial customers. Its integrated approach supports:

Cash flow management through advance payments
Reduced credit exposure on eligible approved invoices
Scalable B2B sales operations
Streamlined receivables workflows
Flexible net terms options for approved buyers

Why Resolve Pay Delivers for B2B Sellers

For manufacturers, distributors, and wholesalers, managing accounts receivable involves more than tracking invoices and collecting payments. B2B sellers also need to evaluate buyer credit, maintain working capital, and offer payment terms that support customer purchasing needs.

Resolve Pay addresses these requirements through an integrated B2B payments platform combining non-recourse net terms financing, AI-powered credit assessment, invoicing, collections, and payment reconciliation.

Key benefits include:

Advance payments on eligible approved invoices, typically within 1-2 business days after applicable requirements are satisfied
Non-recourse protection helping reduce exposure to covered buyer credit defaults, subject to program terms
Integrated workflows connecting ecommerce, ERP, and accounting platforms for streamlined operations
Combined credit and financing eliminating the need for multiple vendors
Scalable AR automation supporting business growth without proportional increases in manual work

With ecommerce integrations, ERP connections, and accounting platform sync, Resolve Pay helps businesses streamline receivables workflows while maintaining flexible payment terms for approved customers.

For B2B sellers looking to improve cash flow, reduce manual AR work, and manage credit exposure, Resolve Pay offers a practical integrated solution combining financing, risk management, and operational efficiency.

Explore Resolve Pay's solutions to learn how its financing and accounts receivable capabilities can support your business.

Frequently Asked Questions

How Does Resolve Pay's Non-Recourse Financing Work?

Resolve Pay provides non-recourse financing on eligible approved invoices, protecting sellers against covered buyer credit defaults under applicable program terms. If an approved buyer fails to pay for a covered credit reason, Resolve Pay assumes the corresponding credit loss. Merchant disputes, fulfillment issues, fraud, and other excluded circumstances remain subject to the financing agreement. This protection helps B2B sellers extend payment terms while reducing exposure to buyer credit defaults.

How Quickly Can Sellers Receive Payments?

Resolve Pay provides advance payments on eligible approved invoices, typically within 1-2 business days after applicable requirements are satisfied. Advance amounts depend on the buyer's credit assessment and the applicable financing arrangement. This helps sellers access working capital while allowing approved buyers to pay according to their agreed net terms, improving cash flow management compared to waiting 30-90 days for full buyer payment.

Does Resolve Pay Integrate With Ecommerce Platforms?

Yes. Resolve Pay supports ecommerce and ERP integrations with Shopify, BigCommerce, WooCommerce, Magento 2, QuickBooks Online, NetSuite, Xero, and Sage Intacct. Available capabilities vary by integration and configuration. These connections help businesses streamline invoice processing, payment reconciliation, and net terms workflows, reducing manual data entry while enabling embedded checkout financing for B2B customers.

How Long Does Implementation Take?

Resolve Pay implementation timelines depend on the seller's existing systems, integration requirements, and configuration needs. Businesses using supported pre-built integrations may be able to launch within days, while more complex implementations can take longer. Resolve Pay also offers API options for businesses requiring customized connections. The platform's pre-built integrations help accelerate deployment compared to custom-built financing solutions.

How Does Credit Assessment Work?

Resolve Pay uses AI-powered credit assessment and underwriting processes to evaluate business buyers. Credit decisions consider relevant business information and available financial data. Some applications may receive rapid decisions, while others require additional verification. Approved buyers can receive credit lines and applicable net payment terms, subject to Resolve Pay's underwriting criteria. The platform conducts quiet business credit assessments that minimize impact on buyer credit profiles during evaluation.

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.